{"id":3787,"date":"2016-12-08T13:01:41","date_gmt":"2016-12-08T12:01:41","guid":{"rendered":"http:\/\/tehnokrat.si\/?p=3787"},"modified":"2016-12-08T13:01:41","modified_gmt":"2016-12-08T12:01:41","slug":"rast-digitalnih-placil","status":"publish","type":"post","link":"https:\/\/tehnokrat.si\/?p=3787","title":{"rendered":"Rast digitalnih pla\u010dil"},"content":{"rendered":"

Brezgotovinska pla\u010dila so velik hit. In \u0161e ve\u010dji bodo. Mednarodno svetovalno podjetje A.T. Kearney namre\u010d v sve\u017ei \u0161tudiji o brezgotovinskem poslovanju ugotavlja, da bo evropski trg digitalnih pla\u010dil v obdobju 2015\u20132025 zrastel za 40 odstotkov. Leta 2025 naj bi obseg digitalnih pla\u010dil zna\u0161al \u017ee ogromnih 111 milijard evrov.
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\nPla\u010dilne transakcije so obenem eden izmed redkih segmentov finan\u010dnih storitev, ki bodo dosegali rast tudi v prihodnje. Industrija pla\u010dilnih transakcij, sestavljena iz bank in specializiranih ponudnikov, omogo\u010da in \u017eanje koristi od digitalne preobrazbe gospodarstva. Vendar bodo ve\u010dino rasti po\u017eeli specializirani ponudniki, razen \u010de banke uspejo spremeniti ponudbo pla\u010dilnih storitev. Slovenci ban\u010dne kartice v povpre\u010dju uporabljamo zgolj 103-krat letno, medtem ko Francozi in Skandinavci ve\u010d kot 150-krat, Norve\u017eani pa celo 400-krat na leto.
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\n\u010ceprav bodo v skupnem se\u0161tevku prihodki iz pla\u010dilnih transakcij v prihodnosti rastli, pa ta rast ne bo enakomerna v vseh storitvah, povezanih s pla\u010dili. Tako bodo prihodki storitev, ki jih na\u010deloma izvajajo banke (izdajanje kartic, doma\u010da in mednarodna pla\u010dila in bankomati), v obdobju 2015 \u2013 2025 le po\u010dasi rastli iz 53 milijard evrov na 59 milijard evrov. Najve\u010dja rast je predvidena za dve podro\u010dji: pridobivanje trgovcev (podro\u010dje, ki je trenutno v rokah specializiranih ponudnikov pla\u010dil) in za alternativne pla\u010dilne metode (podro\u010dje, rezervirano za globalne specialiste, digitalne gigante in velike globalne e-trgovce). Za ti dve podro\u010dji je pri\u010dakovano, da se bosta podvojili iz 27 milijard evrov v 2015 na\u00a0 52 milijard evrov v letu 2025. Dele\u017e prihodkov bank bi se tako s\u010dasoma zmanj\u0161al iz dveh tretjin na le polovico trga pla\u010dilnih transakcij v letu 2025.<\/p>\n","protected":false},"excerpt":{"rendered":"

Brezgotovinska pla\u010dila so velik hit. In \u0161e ve\u010dji bodo. Mednarodno svetovalno podjetje A.T. Kearney namre\u010d…<\/p>\n","protected":false},"author":1,"featured_media":3788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[6],"tags":[252,34],"class_list":["post-3787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-odtuintam","tag-placila","tag-raziskava"],"featured_image_urls":{"full":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil.jpg",1352,821,false],"thumbnail":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil-150x150.jpg",150,150,true],"medium":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil-300x182.jpg",300,182,true],"medium_large":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil-768x466.jpg",640,388,true],"large":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil-1024x622.jpg",640,389,true],"1536x1536":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil.jpg",1352,821,false],"2048x2048":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil.jpg",1352,821,false],"newsphere-slider-full":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil.jpg",1186,720,false],"newsphere-featured":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil.jpg",1024,622,false],"newsphere-medium":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2016\/12\/ATK_st_placil.jpg",626,380,false]},"author_info":{"display_name":"Miran","author_link":"https:\/\/tehnokrat.si\/?author=1"},"category_info":"Od tu in tam<\/a>","tag_info":"Od tu in tam","comment_count":"0","_links":{"self":[{"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/posts\/3787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3787"}],"version-history":[{"count":1,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/posts\/3787\/revisions"}],"predecessor-version":[{"id":3790,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/posts\/3787\/revisions\/3790"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/media\/3788"}],"wp:attachment":[{"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}