{"id":4452,"date":"2018-01-23T11:38:35","date_gmt":"2018-01-23T10:38:35","guid":{"rendered":"http:\/\/tehnokrat.si\/?p=4452"},"modified":"2018-01-26T11:40:37","modified_gmt":"2018-01-26T10:40:37","slug":"placevali-bomo-s-telefoni-nekoc","status":"publish","type":"post","link":"https:\/\/tehnokrat.si\/?p=4452","title":{"rendered":"Pla\u010devali bomo s telefoni. Neko\u010d!"},"content":{"rendered":"

\u0160tevilni strokovnjaki, na primer Tristan Louis, ustanovitelj in lastnik TNL.net, so \u017ee v za\u010detku tega desetletja napovedovali, da se obeta nova doba pla\u010devanja, v kateri bo nad gotovino in karticami prevladalo pla\u010devanje s telefonom. Tudi analiza s pomo\u010djo orodja Google Trends ka\u017ee izjemen porast zanimanja za podro\u010dje FinTech (Financial Technology) od leta 2015 naprej. A povpre\u010dni potro\u0161nik bo v svoji denarnici na\u0161el 65 evrov bankovcev in drobi\u017ea, ve\u010d kot enkrat na teden bo dvignil gotovino na bankomatu, v povpre\u010dni vrednosti ve\u010d kot 60 evrov, in vsak dan bo ve\u010d kot enkrat pla\u010dal z gotovino.<\/p>\n

Evropska centralna banka (European Central Bank – ECB) je konec leta predstavila rezultate ob\u0161irne analize uporabe gotovine, kartic in drugih pla\u010dilnih sredstev (sem sodi tudi mobilno pla\u010devanje) v evro obmo\u010dju na prodajnih mestih v letu 2016. Gre za raziskavo SUCH (Survey on the use of cash by householders). V raziskavo je bilo vklju\u010denih ve\u010d kot 92.000 potro\u0161nikov, ki so poro\u010dali o svojih pla\u010dilih (skupaj so izvedli skoraj 200.000 pla\u010dil), dostopu do pla\u010dilnih in\u0161trumentov in vedenju v povezavi s pla\u010devanjem.<\/p>\n

\"\"<\/a><\/p>\n

Raziskava ka\u017ee, da smo v letu 2016 potro\u0161niki izvedli 163 miljard transakcij, katerih skupna vrednost je predstavljala ve\u010d kot 2.968 milijard evrov. Velika ve\u010dina teh pla\u010dil (kar 96 %) se je zgodila v trgovinah z izdelki vsakodnevne potro\u0161nje, restavracijah, na bencinskih servisih, manj\u0161ih trgovinicah ter trgovinah s trajnim blagom. Pla\u010dila na vseh teh mestih imenujemo pla\u010dila POS (point of sale payments) oziroma pla\u010dila na prodajnih mestih. Ostale 4 % pla\u010dil so potro\u0161niki naredili z nakazili med osebami, donacijami in drugimi prispevki.<\/p>\n

Rezultati raziskave ka\u017eejo, da je bila gotovina dale\u010d najpogosteje uporabljeno pla\u010dilno sredstvo, saj je bilo kar 79 % vseh pla\u010dil (to je predstavljalo 54 % vrednosti pla\u010dil) izvedenih na tak na\u010din. Z 19 % so sledile kartice, s katerimi je bilo (po volumnu) izvedenih 39 % vrednosti vseh pla\u010dil na prodajnih mestih. Najve\u010d pla\u010dil z gotovino je bilo izvedenih v dr\u017eavah ju\u017ene Evrope ter v Nem\u010diji, Avstriji in Sloveniji. V Sloveniji je \u0161tevilo vseh pla\u010dil z gotovino zna\u0161alo 80 %.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0160tevilni strokovnjaki, na primer Tristan Louis, ustanovitelj in lastnik TNL.net, so \u017ee v za\u010detku tega…<\/p>\n","protected":false},"author":1,"featured_media":4453,"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":[2698,2696,2697,2695,1047,1768,1030,2699],"class_list":["post-4452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-odtuintam","tag-ecb","tag-fintech","tag-google-trends","tag-kartice","tag-mobilni-telefoni","tag-placevanje","tag-pos","tag-tnl"],"featured_image_urls":{"full":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",867,729,false],"thumbnail":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom-150x150.jpg",150,150,true],"medium":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom-300x252.jpg",300,252,true],"medium_large":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom-768x646.jpg",640,538,true],"large":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",640,538,false],"1536x1536":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",867,729,false],"2048x2048":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",867,729,false],"newsphere-slider-full":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",856,720,false],"newsphere-featured":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",867,729,false],"newsphere-medium":["https:\/\/tehnokrat.si\/wp-content\/uploads\/2018\/01\/placevanje-z-mobilnikom.jpg",452,380,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\/4452","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=4452"}],"version-history":[{"count":1,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/posts\/4452\/revisions"}],"predecessor-version":[{"id":4454,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/posts\/4452\/revisions\/4454"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=\/wp\/v2\/media\/4453"}],"wp:attachment":[{"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tehnokrat.si\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}