Latvijas uz\u0146\u0113m\u0113ji arvien bie\u017e\u0101k pau\u017e gandar\u012bjumu par sadarb\u012bbu ar komercbank\u0101m<\/p>\n
P\u0113d\u0113jo divu gadu laik\u0101 ir v\u0113rojams iev\u0113rojams progress uz\u0146\u0113mumu un komercbanku savstarp\u0113j\u0101s attiec\u012bb\u0101s finan\u0161u pakalpojumu pieejam\u012bbas jom\u0101. Tas liecina par pozit\u012bv\u0101m tendenc\u0113m Latvijas finan\u0161u sektor\u0101, kas sp\u0113j arvien lab\u0101k piel\u0101goties dinamiskajai uz\u0146\u0113m\u0113jdarb\u012bbas videi. K\u0101 apliecina nesen veikta aptauja, ko p\u0113c Latvijas Bankas pas\u016bt\u012bjuma \u012bstenojis SIA “RAIT Custom Research Baltic”, vairums Latvijas uz\u0146\u0113mumu savu sadarb\u012bbu ar komercbank\u0101m v\u0113rt\u0113 k\u0101 labu. P\u0113t\u012bjums, kas norisin\u0101j\u0101s no 2025. gada 25. septembra l\u012bdz 22. oktobrim, aptverot 1000 Latvijas uz\u0146\u0113mumu, sniedz optimistisku ainu par banku sp\u0113ju nodro\u0161in\u0101t kvalitat\u012bvus un uz\u0146\u0113m\u0113ju vajadz\u012bb\u0101m atbilsto\u0161us pakalpojumus.<\/p>\n
Gandar\u012bjums par sadarb\u012bbu un pakalpojumu pieejam\u012bbu<\/p>\n
Aptaujas rezult\u0101ti atkl\u0101j, ka iev\u0113rojams vair\u0101kums jeb 59% aptauj\u0101to uz\u0146\u0113mumu kopum\u0101 savu sadarb\u012bbu ar komercbank\u0101m v\u0113rt\u0113 k\u0101 labu. V\u0113l iespaid\u012bg\u0101k \u2013 5% uz\u0146\u0113m\u0113ju devu\u0161i visaugst\u0101ko nov\u0113rt\u0113jumu, atz\u012bm\u0113jot to k\u0101 \u201cizcilu\u201d. \u0160ie skait\u013ci skaidri apliecina, ka banku sektors sp\u0113j nodro\u0161in\u0101t pakalpojumus, kas atbilst m\u016bsd biznesa vides pras\u012bb\u0101m, radot stabilu pamatu uz\u0146\u0113m\u0113jdarb\u012bbas att\u012bst\u012bbai. Tom\u0113r, lai gan kop\u0113jais v\u0113rt\u0113jums ir pozit\u012bvs, past\u0101v ar\u012b iesp\u0113jas pilnveidei. Gandr\u012bz ceturt\u0101 da\u013ca jeb 27% uz\u0146\u0113mumu sadarb\u012bbu ar bank\u0101m joproj\u0101m v\u0113rt\u0113 k\u0101 apmierino\u0161u, nor\u0101dot uz rezerv\u0113m pakalpojumu uzlabo\u0161an\u0101. Interesanti, ka tie uz\u0146\u0113mumi, kuriem ir konti gan Latvijas, gan \u0101rvalstu bank\u0101s, bie\u017e\u0101k izsaka kritisku v\u0113rt\u0113jumu par sadarb\u012bbu ar viet\u0113jiem finan\u0161u partneriem, to da\u017ek\u0101rt nov\u0113rt\u0113jot k\u0101 sliktu (9% gad\u012bjumu). \u0160\u012b at\u0161\u0137ir\u012bba var\u0113tu liecin\u0101t par at\u0161\u0137ir\u012bg\u0101m pieredz\u0113m un gaid\u0101m, ko ietekm\u0113 starptautisk\u0101 finan\u0161u vide.<\/p>\n
Banku pakalpojumu izmantojums un izv\u0113les krit\u0113riji<\/p>\n
Apsveicami, ka gandr\u012bz visi aptauj\u0101tie Latvijas uz\u0146\u0113mumi \u2013 pat 99% \u2013 izmanto k\u0101da Latvijas komercbankas pakalpojumus. Tas nep\u0101rprotami apliecina banku lielo noz\u012bmi tautsaimniec\u012bbas funkcion\u0113\u0161an\u0101. Liel\u0101k\u0101 da\u013ca uz\u0146\u0113mumu dod priek\u0161roku vair\u0101ku banku pakalpojumu izmanto\u0161anai vienlaic\u012bgi. \u0160\u0101da strat\u0113\u0123ija nodro\u0161ina uz\u0146\u0113mumiem gan liel\u0101ku elast\u012bbu, gan ar\u012b iesp\u0113ju pan\u0101kt konkur\u0113tsp\u0113j\u012bg\u0101kas cenas un lab\u0101kus dar\u012bjumu nosac\u012bjumus. Savuk\u0101rt \u0101rvalstu komercbank\u0101s kontus izmanto 14% Latvijas uz\u0146\u0113mumu. Galvenie iemesli bankas izv\u0113lei \u0101rpus Latvijas ir biznesa intereses konkr\u0113taj\u0101 re\u0123ion\u0101 (33% gad\u012bjumu) un zem\u0101kas bankas pakalpojumu izmaksas (30%). Tas liecina par glob\u0101lo biznesa vidi un nepiecie\u0161am\u012bbu p\u0113c starptautiskas darb\u012bbas.<\/p>\n
Gr\u016bt\u012bbas un komunik\u0101cijas izaicin\u0101jumi<\/p>\n
Lai gan kop\u0113jais v\u0113rt\u0113jums par sadarb\u012bbu ir pozit\u012bvs, aptauja ar\u012b izgaismo da\u017eus izaicin\u0101jumus, kas joproj\u0101m past\u0101v. Gada laik\u0101 ir samazin\u0101jies to uz\u0146\u0113mumu \u012bpatsvars, kuri saskaras ar gr\u016bt\u012bb\u0101m banku pakalpojumu izmanto\u0161an\u0101. Ja agr\u0101k tie bija 20%, tad tagad \u0161is \u012bpatsvars ir nokrities l\u012bdz 15%. Tom\u0113r puse no \u0161iem uz\u0146\u0113mumiem k\u0101 galven\u0101s gr\u016bt\u012bbas min p\u0101r\u0101k daudz pras\u012bto dokumentu un banku uzdoto jaut\u0101jumu skaitu, kas nereti \u0161\u0137iet p\u0101rm\u0113r\u012bgs. \u0160iem faktoriem seko komercbanku komunik\u0101cija un apkalpo\u0161ana, kas ne vienm\u0113r ir v\u0113rsta uz cie\u0161\u0101ku sadarb\u012bbu un probl\u0113mu risin\u0101\u0161anu. Ir ar\u012b pat\u012bkami redz\u0113t, ka gandr\u012bz desmit\u0101 da\u013ca (9%) uz\u0146\u0113mumu savstarp\u0113jo komunik\u0101ciju ar savu komercbanku v\u0113rt\u0113 k\u0101 izcilu. Visbie\u017e\u0101k sa\u0146emtais v\u0113rt\u0113jums par komunik\u0101ciju ir \u201claba\u201d \u2013 \u0161\u0101di to nov\u0113rt\u0113 vair\u0101k nek\u0101 puse (56%) uz\u0146\u0113mumu, kas liecina par stabilu pamatu turpm\u0101kai attiec\u012bbu att\u012bst\u012bbai.<\/p>\n
N\u0101kotnes perspekt\u012bvas un banku pieejam\u012bba re\u0123ionos<\/p>\n
Latvijas Bankas pas\u016bt\u012bt\u0101s aptaujas dati ar\u012b nor\u0101da uz tendenc\u0113m banku pakalpojumu pieejam\u012bb\u0101 Latvijas re\u0123ionos. Lai gan liel\u0101k\u0101 da\u013ca uz\u0146\u0113mumu savu sadarb\u012bbu v\u0113rt\u0113 pozit\u012bvi, 28% uz\u0146\u0113m\u0113ju uzskata, ka komercbankas str\u0101d\u0101 p\u0101r\u0101k standartiz\u0113ti un birokr\u0101tiski, ne\u0146emot v\u0113r\u0101 specifisk\u0101s uz\u0146\u0113mumu vajadz\u012bbas. V\u0113l 12% uz\u0146\u0113m\u0113ju nor\u0101da, ka komercbanku fili\u0101\u013cu un kl\u0101tienes konsult\u0101ciju tr\u016bkums mazina iesp\u0113ju non\u0101kt pie abpus\u0113ji izdev\u012bgas sadarb\u012bbas. \u0160\u0101da sist\u0113ma ne vienm\u0113r sp\u0113j pied\u0101v\u0101t risin\u0101jumus situ\u0101cij\u0101s, kad nepiecie\u0161ama individu\u0101la pieeja un dzi\u013ca izpratne par re\u0123ion\u0101lajiem apst\u0101k\u013ciem. Tiek prognoz\u0113ts, ka no n\u0101kam\u0101 gada, 2026. gada 1. janv\u0101ra, komercbanku pieejam\u012bba Latvijas re\u0123ionos var\u0113tu uzlaboties, jo vair\u0101k\u0101s pils\u0113t\u0101s tiks pras\u012bta banku fili\u0101\u013cu atjauno\u0161ana. Tas var\u0113tu sniegt jaunu optimismu re\u0123ionu uz\u0146\u0113m\u0113jiem, nodro\u0161inot \u0113rt\u0101ku piek\u013cuvi finan\u0161u pakalpojumiem.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas uz\u0146\u0113m\u0113ji arvien bie\u017e\u0101k pau\u017e gandar\u012bjumu par sadarb\u012bbu ar komercbank\u0101m P\u0113d\u0113jo divu gadu laik\u0101 ir v\u0113rojams iev\u0113rojams progress…\n","protected":false},"author":2,"featured_media":67671,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,11628,17369,35,39,38,36,37,34,46,10004,40,200],"class_list":{"0":"post-67670","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-finansu-pakalpojumi","11":"tag-komercbankas","12":"tag-latvia","13":"tag-latvian","14":"tag-latviesu","15":"tag-latviesu-valoda","16":"tag-latviesuvaloda","17":"tag-latvija","18":"tag-latvijas-banka","19":"tag-latvijas-uznemumi","20":"tag-lv","21":"tag-sadarbiba"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115677281791454498","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/67670","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=67670"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/67670\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/67671"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=67670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=67670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=67670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}