Latvijas uz\u0146\u0113mumu sadarb\u012bba ar komercbank\u0101m uzlabojas, liecina aptauja<\/p>\n
P\u0113d\u0113jo divu gadu laik\u0101 ir iev\u0113rojami uzlabojusies Latvijas uz\u0146\u0113mumu un komercbanku sadarb\u012bba finan\u0161u pakalpojumu pieejam\u012bbas jom\u0101. To atkl\u0101j jaun\u0101k\u0101 SIA “RAIT Custom Research Baltic” veikt\u0101 aptauja, kas notika p\u0113c Latvijas Bankas pas\u016bt\u012bjuma. P\u0113t\u012bjums, kas tika veikts no 2025. gada 25. septembra l\u012bdz 22. oktobrim, aptverot 1000 Latvijas uz\u0146\u0113mumu, sniedz optimistisku skat\u012bjumu uz finan\u0161u sektora sp\u0113ju piel\u0101goties dinamiskajai uz\u0146\u0113m\u0113jdarb\u012bbas videi. Aptaujas rezult\u0101ti liecina, ka teju visiem Latvijas uz\u0146\u0113mumiem ir nor\u0113\u0137inu konts k\u0101d\u0101 no viet\u0113j\u0101m komercbank\u0101m, turkl\u0101t samazin\u0101s to uz\u0146\u0113mumu \u012bpatsvars, kuri saskaras ar gr\u016bt\u012bb\u0101m banku pakalpojumu izmanto\u0161an\u0101. Tas ir v\u0113rt\u012bgs sign\u0101ls par stabilit\u0101ti un uzticam\u012bbu, kas ir tik svar\u012bga m\u016bsdienu sare\u017e\u0123\u012btaj\u0101 tirgus vid\u0113.<\/p>\n
Gandar\u012bjums par sadarb\u012bbu un pakalpojumu pieejam\u012bbu<\/p>\n
Aptaujas dati atkl\u0101j, ka iev\u0113rojams vair\u0101kums jeb 59% aptauj\u0101to uz\u0146\u0113mumu savu kop\u0113jo sadarb\u012bbu ar komercbank\u0101m v\u0113rt\u0113 k\u0101 labu. V\u0113l iespaid\u012bg\u0101k \u2013 5% uz\u0146\u0113m\u0113ju ir sniegu\u0161i visaugst\u0101ko nov\u0113rt\u0113jumu, atz\u012bm\u0113jot to k\u0101 \u201cizcilu\u201d. \u0160ie r\u0101d\u012bt\u0101ji skaidri apliecina, ka banku sektors arvien lab\u0101k sp\u0113j nodro\u0161in\u0101t pakalpojumus, kas atbilst m\u016bsdienu biznesa vides pras\u012bb\u0101m, t\u0101d\u0113j\u0101di radot stabilu pamatu uz\u0146\u0113m\u0113jdarb\u012bbas ilgtsp\u0113j\u012bgai att\u012bst\u012bbai. Lai gan kop\u0113jais v\u0113rt\u0113jums ir pozit\u012bvs, vienlaikus past\u0101v ar\u012b iesp\u0113jas turpm\u0101kai 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 un klientu vajadz\u012bbu dzi\u013c\u0101k\u0101 izpratn\u0113. Interesanti ir tas, ka tie uz\u0146\u0113mumi, kuriem ir konti gan Latvijas, gan \u0101rvalstu bank\u0101s, bie\u017e\u0101k pau\u017e kritisku v\u0113rt\u0113jumu par sadarb\u012bbu ar viet\u0113jiem finan\u0161u partneriem, da\u017ek\u0101rt to nov\u0113rt\u0113jot k\u0101 sliktu (9% gad\u012bjumu). \u0160\u012b at\u0161\u0137ir\u012bba var\u0113tu signaliz\u0113t par at\u0161\u0137ir\u012bg\u0101m pieredz\u0113m un gaid\u0101m, ko, iesp\u0113jams, ietekm\u0113 starptautisk\u0101 finan\u0161u vide un t\u0101s pied\u0101v\u0101t\u0101s iesp\u0113jas.<\/p>\n
Banku pakalpojumu izmantojums un galvenie izaicin\u0101jumi<\/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 milz\u012bgo noz\u012bmi tautsaimniec\u012bbas funkcion\u0113\u0161an\u0101 un uz\u0146\u0113m\u0113jdarb\u012bbas atbalst\u012b\u0161an\u0101. Liel\u0101k\u0101 da\u013ca uz\u0146\u0113mumu dod priek\u0161roku vair\u0101ku banku pakalpojumu izmanto\u0161anai, kas nodro\u0161ina elast\u012bbu un iesp\u0113ju izv\u0113l\u0113ties izdev\u012bg\u0101kos pied\u0101v\u0101jumus. Tom\u0113r, lai gan kop\u0113j\u0101 aina ir pozit\u012bva, joproj\u0101m past\u0101v ar\u012b gr\u016bt\u012bbas, ar kur\u0101m saskaras uz\u0146\u0113m\u0113ji. Gada laik\u0101 ir samazin\u0101jies to uz\u0146\u0113mumu \u012bpatsvars, kuri saskaras ar probl\u0113m\u0101m banku pakalpojumu izmanto\u0161an\u0101 \u2013 no iepriek\u0161\u0113jiem 20% tas nokritis 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 un laikietilp\u012bgs process. \u0160iem faktoriem seko komercbanku komunik\u0101cija un apkalpo\u0161ana, kas ne vienm\u0113r ir v\u0113rsta uz cie\u0161\u0101ku sadarb\u012bbu un efekt\u012bvu probl\u0113mu risin\u0101\u0161anu. Gandr\u012bz desmit\u0101 da\u013ca jeb 9% uz\u0146\u0113mumu savstarp\u0113jo komunik\u0101ciju ar savu komercbanku v\u0113rt\u0113 k\u0101 izcilu, bet visbie\u017e\u0101k sa\u0146emtais v\u0113rt\u0113jums ir \u201claba\u201d \u2013 \u0161\u0101di to nov\u0113rt\u0113 vair\u0101k nek\u0101 puse (56%) uz\u0146\u0113mumu. Savuk\u0101rt 26% aptauj\u0101to uz\u0146\u0113mumu komunik\u0101ciju v\u0113rt\u0113 k\u0101 apmierino\u0161u.<\/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, tom\u0113r 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. Lai gan 14% Latvijas uz\u0146\u0113mumu izmanto ar\u012b \u0101rvalstu komercbanku pakalpojumus, galvenie iemesli \u0161\u0101dai izv\u0113lei ir biznesa intereses attiec\u012bgaj\u0101 \u0101rvalstu re\u0123ion\u0101 (33% gad\u012bjumu) un zem\u0101kas banku pakalpojumu izmaksas (30% gad\u012bjumu). Tas uzsver finan\u0161u pakalpojumu cenu un glob\u0101l\u0101s sasniedzam\u012bbas noz\u012bmi m\u016bsdienu uz\u0146\u0113m\u0113jdarb\u012bb\u0101. Kopum\u0101 aptaujas rezult\u0101ti liecina par pozit\u012bvu tendenci uz\u0146\u0113mumu un banku sadarb\u012bb\u0101, bet vienlaikus nor\u0101da ar\u012b uz nepiecie\u0161am\u012bbu turpin\u0101t pilnveidot pakalpojumu kvalit\u0101ti un piel\u0101goties katra uz\u0146\u0113muma individu\u0101laj\u0101m vajadz\u012bb\u0101m.<\/p>\n
\u0160\u012b aptauja, kas tika veikta 2025. gada ruden\u012b, sniedz v\u0113rt\u012bgu ieskatu par pa\u0161reiz\u0113jo situ\u0101ciju Latvijas finan\u0161u sektor\u0101 un uz\u0146\u0113m\u0113jdarb\u012bbas vid\u0113, pal\u012bdzot gan bank\u0101m, gan uz\u0146\u0113mumiem lab\u0101k saprasties un veidot cie\u0161\u0101ku sadarb\u012bbu n\u0101kotn\u0113.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas uz\u0146\u0113mumu sadarb\u012bba ar komercbank\u0101m uzlabojas, liecina aptauja P\u0113d\u0113jo divu gadu laik\u0101 ir iev\u0113rojami uzlabojusies Latvijas uz\u0146\u0113mumu un…\n","protected":false},"author":2,"featured_media":67926,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,732,28,29,32,33,11628,22,17369,30,31,35,39,38,36,37,34,10004,40,20,26,27,200,24,25,21],"class_list":{"0":"post-67925","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-aptauja","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-featured-news","13":"tag-featurednews","14":"tag-finansu-pakalpojumi","15":"tag-headlines","16":"tag-komercbankas","17":"tag-latest-news","18":"tag-latestnews","19":"tag-latvia","20":"tag-latvian","21":"tag-latviesu","22":"tag-latviesu-valoda","23":"tag-latviesuvaloda","24":"tag-latvija","25":"tag-latvijas-uznemumi","26":"tag-lv","27":"tag-news","28":"tag-popularakas-zinas","29":"tag-popularakaszinas","30":"tag-sadarbiba","31":"tag-top-stories","32":"tag-topstories","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115678571643111328","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/67925","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=67925"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/67925\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/67926"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=67925"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=67925"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=67925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}