{"id":1405,"date":"2020-04-22T11:18:14","date_gmt":"2020-04-22T10:18:14","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1405"},"modified":"2025-05-06T16:49:01","modified_gmt":"2025-05-06T14:49:01","slug":"odlozenou-platbu-v-evrope-zpopularizovala-svedska-klarna","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/odlozenou-platbu-v-evrope-zpopularizovala-svedska-klarna\/","title":{"rendered":"Kde se vzala odlo\u017een\u00e1 platba? V Evrop\u011b ji zpopularizovala \u0161v\u00e9dsk\u00e1 Klarna"},"content":{"rendered":"\n

Mo\u017enost vyzkou\u0161et si bez rizika zbo\u017e\u00ed objednan\u00e9 na internetu, zp\u016fsob, jak se vyhnout placen\u00ed dob\u00edrky, pokud nechcete online sd\u00edlet citliv\u00e9 \u00fadaje, prost\u0159edek k efektivn\u00edmu pl\u00e1nov\u00e1n\u00ed v\u00fddaj\u016f i z\u00e1chrana ve chv\u00edli, kdy v\u00e1s p\u0159ekvap\u00ed ne\u010dekan\u00e9 v\u00fddaje<\/a>. To, \u017ee v\u00e1m odlo\u017een\u00e1 platba m\u016f\u017ee usnadnit \u017eivot <\/strong>v cel\u00e9 \u0159ad\u011b situac\u00ed, u\u017e asi v\u00edte. Ale poj\u010fme se pod\u00edvat hloub\u011bji do minulosti.<\/p>\n\n\n\n

A\u010dkoliv byly z\u00e1klady e-commerce polo\u017eeny u\u017e v 80. letech, prvn\u00ed e-shopy, kter\u00e9 vzd\u00e1len\u011b p\u0159ipom\u00ednaj\u00ed ty dne\u0161n\u00ed, vznikly v polovin\u011b 90. let 20. stolet\u00ed. Mo\u017en\u00e1 si ale sami pamatujete, \u017ee v t\u00e9 dob\u011b bylo stabiln\u00ed internetov\u00e9 p\u0159ipojen\u00ed sp\u00ed\u0161e v\u00fdjimkou, a proto skute\u010dn\u00fd boom online nakupov\u00e1n\u00ed vypukl a\u017e po roce 2000<\/strong>, kdy za\u010dal po\u010det dom\u00e1cnost\u00ed s internetem v\u00fdrazn\u011b stoupat.<\/p>\n\n\n\n

S rozmachem e-shop\u016f se za\u010daly rozv\u00edjet i nov\u00e9 online platebn\u00ed metody, zp\u016fsoby doru\u010den\u00ed a vyzved\u00e1v\u00e1n\u00ed zbo\u017e\u00ed nebo t\u0159eba mo\u017enost uhradit internetov\u00fd n\u00e1kup prost\u0159ednictv\u00edm spot\u0159ebitelsk\u00e9ho \u00fav\u011bru<\/strong>. A zanedlouho vznikla i idea odlo\u017een\u00e9 platby, jej\u00edm\u017e c\u00edlem bylo lidem internetov\u00e9 n\u00e1kupy je\u0161t\u011b v\u00edce usnadnit nebo jim umo\u017enit nakupovat i ve chv\u00edli, kdy nemaj\u00ed dostatek hotovosti. Kter\u00e9 spole\u010dnosti pat\u0159\u00ed na poli odlo\u017een\u00e9ho placen\u00ed mezi nejv\u011bt\u0161\u00ed hr\u00e1\u010de?<\/p>\n\n\n\n

Klarna <\/strong><\/h2>\n\n\n\n

Ne v\u0161echny inovace poch\u00e1zej\u00ed z kalifornsk\u00e9ho Silicon Valley, kde s\u00eddl\u00ed v\u011bt\u0161ina technologick\u00fdch gigant\u016f. Pr\u016fkopn\u00edkem odlo\u017een\u00e9 platby nejen v Evrop\u011b, ale i ve sv\u011bt\u011b, se stala spole\u010dnost Klarna, kter\u00e1 byla zalo\u017eena v roce 2005 ve \u0161v\u00e9dsk\u00e9m Stockholmu <\/strong>jako relativn\u011b nen\u00e1padn\u00fd startup s n\u00e1padem, jak vylep\u0161it n\u00e1kupy na internetu prost\u0159ednictv\u00edm odlo\u017een\u00e9ho placen\u00ed.<\/p>\n\n\n\n

A\u010dkoliv se my\u0161lenka odlo\u017een\u00e9 platby zpo\u010d\u00e1tku nesetkala s velk\u00fdm nad\u0161en\u00edm, zakladatel\u00e9 spole\u010dnosti to nevzdali a vybudovali platformu, se kterou vstoupili na \u0161v\u00e9dsk\u00fd trh. A p\u0159ekvapiv\u011b se uk\u00e1zalo, \u017ee z\u00e1kazn\u00edci na metodu \u201enakupuj te\u010f, zapla\u0165 pozd\u011bji\u201c sly\u0161\u00ed<\/strong>. V roce 2010 roz\u0161\u00ed\u0159ila Klarna sv\u00e9 aktivity do dal\u0161\u00edch skandin\u00e1vsk\u00fdch zem\u00ed \u2013 Norska, D\u00e1nska a Finska. D\u00edky sv\u00e9mu \u00fasp\u011bchu mezit\u00edm nal\u00e1kala investory, kte\u0159\u00ed j\u00ed umo\u017enili vstoupit tak\u00e9 na n\u011bmeck\u00fd a nizozemsk\u00fd trh.<\/p>\n\n\n\n

\"Online
Lid\u00e9, kte\u0159\u00ed \u010dasto nakupuj\u00ed na internetu v\u00edtaj\u00ed ka\u017edou novou platebn\u00ed metodu.<\/figcaption><\/figure>\n\n\n\n

V roce 2015 byla Klarna spu\u0161t\u011bna tak\u00e9 v USA a o t\u0159i roky pozd\u011bji se mohla celosv\u011btov\u011b pochlubit v\u00edce ne\u017e 80 miliony u\u017eivatel\u016f a 90 tis\u00edci zapojen\u00fdmi e-shopy. Dal\u0161\u00edm d\u016fkazem \u00fasp\u011bchu t\u00e9to spole\u010dnosti je fakt, \u017ee skrze ni prob\u00edh\u00e1 a\u017e 40 % internetov\u00fdch objedn\u00e1vek ve \u0160v\u00e9dsku<\/strong>. V sou\u010dasnosti m\u00e1 n\u011bkdej\u0161\u00ed startup p\u0159es 2 700 zam\u011bstnanc\u016f a spolupracuje s v\u00edce ne\u017e 190 000 partnery z \u0159ad internetov\u00fdch i kamenn\u00fdch obchod\u016f.<\/p>\n\n\n

TIP!<\/div>
Jd\u011bte s dobou a nab\u00eddn\u011bte odlo\u017eenou platbu i sv\u00fdm z\u00e1kazn\u00edk\u016fm. V\u00edme, pro\u010d se v\u00e1m to vyplat\u00ed.<\/a><\/b><\/div><\/div>\n\n\n\n

Klarna  umo\u017e\u0148uje odlo\u017een\u00ed platby o 30 dn\u016f nebo jej\u00ed rozlo\u017een\u00ed do del\u0161\u00edho \u010dasov\u00e9ho \u00faseku, nap\u0159. ve form\u011b 3 m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek bez \u00faroku. Krom\u011b toho z\u00e1kazn\u00edk\u016fm nab\u00edz\u00ed vlastn\u00ed platebn\u00ed kartu<\/strong>, kter\u00e1 v podstat\u011b supluje kreditku \u2013 umo\u017e\u0148uje lidem nakupovat \u201ena dluh\u201c, ale z\u00e1rove\u0148 m\u00edt o n\u00e1kupech dobr\u00fd p\u0159ehled a pr\u016fb\u011b\u017en\u011b za n\u011b platit. Odlo\u017een\u00e1 platba se tak vlastn\u011b st\u00e1v\u00e1 prost\u0159edkem, jak optimalizovat v\u00fddaje.<\/p>\n\n\n\n

Revo Technologies<\/strong><\/h2>\n\n\n\n

Na v\u00fdchod od \u010cesk\u00e9 republiky, tedy zejm\u00e9na na polsk\u00e9m, rumunsk\u00e9m a rusk\u00e9m trhu, segmentu odlo\u017een\u00e9ho placen\u00ed dominuje spole\u010dnost Revo Technologies<\/strong>, kter\u00e1 byla zalo\u017eena v roce 2012. Ta sv\u00fdm z\u00e1kazn\u00edk\u016fm nab\u00edz\u00ed tak\u00e9 mnoho produkt\u016f na spl\u00e1tky<\/a>, mezi kter\u00fdmi nechyb\u00ed \u00fahrada \u00fa\u010dt\u016f za energie a slu\u017eby oper\u00e1tora nebo p\u0159evod prost\u0159edk\u016f p\u0159\u00e1tel\u016fm a rodin\u011b.  <\/p>\n\n\n\n

P\u016fvodn\u011b moskevsk\u00e1 spole\u010dnost, kter\u00e1 m\u011bla na konci roku 2019 p\u0159es 4 miliony unik\u00e1tn\u00edch u\u017eivatel\u016f, se p\u0159edned\u00e1vnem propojila s fintech platformou Mintos<\/strong>, kter\u00e1 se specializuje na P2P p\u016fj\u010dky<\/a> a investice do nich. Proto lze o\u010dek\u00e1vat, \u017ee Revo Technologies roz\u0161\u00ed\u0159\u00ed portfolio slu\u017eeb i t\u00edmto sm\u011brem. Mintos p\u016fsob\u00ed i na \u010desk\u00e9m trhu, kde konkuruje p\u0159edev\u0161\u00edm spole\u010dnosti Zonky, kter\u00e1 se tak\u00e9 soust\u0159ed\u00ed na oblast P2P p\u016fj\u010dek.<\/p>\n\n\n

TIP!<\/div>
Odlo\u017een\u00e9 platb\u011b se da\u0159\u00ed i v \u010cesku. P\u0159e\u010dt\u011bte si, jak se zrodil projekt Skip Pay.<\/a><\/b><\/div><\/div>\n\n\n\n

Afterpay<\/strong><\/h2>\n\n\n\n

Afterpay je firma, kter\u00e1 vznikla v roce 2015 v australsk\u00e9m Sydney, ale aktu\u00e1ln\u011b je krom\u011b sv\u00e9 domoviny a bl\u00edzk\u00e9ho Nov\u00e9ho Z\u00e9landu dostupn\u00e1 tak\u00e9 na americk\u00e9m a britsk\u00e9m trhu. Podle \u00fadaj\u016f z \u010dervna minul\u00e9ho roku slu\u017ebu vyu\u017e\u00edv\u00e1 kolem 4,6 milionu lid\u00ed. Jej\u00edmi konkurenty jsou v r\u00e1mci regionu spole\u010dnosti Laybuy, PartPay, ZipPay nebo OxiPay.<\/strong><\/p>\n\n\n\n

\"Odlo\u017een\u00e1
N\u011bkter\u00e9 spole\u010dnosti umo\u017e\u0148uj\u00ed z\u00e1kazn\u00edk\u016fm rozd\u011blen\u00ed platby do n\u011bkolika spl\u00e1tek. <\/figcaption><\/figure>\n\n\n\n

Afterpay funguje trochu jin\u00fdm zp\u016fsobem ne\u017e odlo\u017een\u00e1 platba, jak ji zn\u00e1te v \u010cesku. Afterpay sv\u00fdm z\u00e1kazn\u00edk\u016fm umo\u017e\u0148uje rozd\u011blit si hodnotu vybran\u00fdch produkt\u016f na 4 stejn\u011b velk\u00e9 \u010d\u00e1sti, z nich\u017e prvn\u00ed (tedy 25 % hodnoty zbo\u017e\u00ed) zaplat\u00ed u\u017e p\u0159i n\u00e1kupu. Dal\u0161\u00ed t\u0159i \u010dtvrtiny pak uhrad\u00ed postupn\u011b v\u017edy po dvou t\u00fddnech<\/strong>. V\u00fd\u0161e n\u00e1kupn\u00edho limitu pak vedle scoringu z\u00e1vis\u00ed tak\u00e9 na tom, zda si klient sv\u016fj u\u017eivatelsk\u00fd \u00fa\u010det propoj\u00ed s debetn\u00ed, nebo kreditn\u00ed kartou. Ve druh\u00e9m p\u0159\u00edpad\u011b z\u00edsk\u00e1 n\u00e1rok na vy\u0161\u0161\u00ed \u010d\u00e1stku.<\/p>\n\n\n\n

LazyPay<\/strong><\/h2>\n\n\n\n

I kdy\u017e je indick\u00fd e-commerce trh pro v\u011bt\u0161inu Evropan\u016f velkou nezn\u00e1mou, je t\u0159eba si uv\u011bdomit, jak velk\u00fd m\u00e1 zem\u011b s populac\u00ed p\u0159esahuj\u00edc\u00ed 1,3 miliardy kupn\u00ed potenci\u00e1l. Toho se rozhodla vyu\u017e\u00edt p\u016fvodn\u011b nizozemsk\u00e1 technologick\u00e1 spole\u010dnost PayU<\/strong>, kter\u00e1 na indick\u00e9m trhu spustila slu\u017ebu LazyPay, kter\u00e1 m\u00edstn\u00edm obyvatel\u016fm vedle odlo\u017een\u00e9 platby nab\u00edz\u00ed tak\u00e9 men\u0161\u00ed p\u016fj\u010dky<\/a>.<\/p>\n\n\n\n

Platba LazyPay, kterou lze vyu\u017e\u00edt u v\u00edce ne\u017e 250 partner\u016f, klient\u016fm aktu\u00e1ln\u011b nab\u00edz\u00ed splatnost 15 dn\u016f. Slu\u017eba nav\u00edc dok\u00e1\u017ee na z\u00e1klad\u011b n\u011bkolika z\u00e1kladn\u00edch \u00fadaj\u016f potenci\u00e1ln\u00edmu z\u00e1kazn\u00edkovi vypo\u010d\u00edtat finan\u010dn\u00ed limit<\/strong>, za kter\u00fd mohou nakupovat. Proto se nestane, \u017ee by lid\u00e9 a\u017e v posledn\u00edm kroku objedn\u00e1vky zjistili, \u017ee na vybran\u00fd produkt odlo\u017eenou platbu vyu\u017e\u00edt nemohou.<\/p>\n\n\n\n

Nakup te\u010f, zapla\u0165 pozd\u011bji po \u010desku<\/strong><\/h2>\n\n\n\n

V \u010cesku odlo\u017een\u00e1 platba<\/a> zat\u00edm nem\u00e1 tak dlouhou historii jako t\u0159eba ve Skandin\u00e1vii, ale to neznamen\u00e1, \u017ee by o n\u00ed \u010de\u0161t\u00ed spot\u0159ebitel\u00e9 nev\u011bd\u011bli. Po\u010det lid\u00ed, kte\u0159\u00ed tuto platebn\u00ed metodu n\u00e1razov\u011b nebo pravideln\u011b vyu\u017e\u00edvaj\u00ed, toti\u017e neust\u00e1le stoup\u00e1<\/strong>.  \u201eOdlo\u017eenka\u201c p\u0159edstavuje v\u00edtanou alternativu pro z\u00e1kazn\u00edky, kte\u0159\u00ed na internetu neradi nakupuj\u00ed naslepo, necht\u011bj\u00ed e-shop\u016fm<\/a> prozrazovat citliv\u00e9 \u00fadaje z platebn\u00ed karty nebo je \u2013 t\u0159eba p\u0159ed v\u00fdplatou \u2013 zasko\u010d\u00ed ne\u010dekan\u00e9 v\u00fddaje.<\/p>\n\n\n\n

Popularit\u011b odlo\u017een\u00e9 platby Skip Pay, kterou u\u017e\u00a0vyu\u017eilo v\u00edce ne\u017e 100 000 z\u00e1kazn\u00edk\u016f<\/strong>, nahr\u00e1v\u00e1 i skute\u010dnost, \u017ee je slu\u017eba bezplatn\u00e1, bezpe\u010dn\u00e1 a jej\u00ed vyu\u017eit\u00ed je snadn\u00e9 a srozumiteln\u00e9. Z\u00e1kazn\u00edci mohou sv\u00e9 aktu\u00e1ln\u00ed n\u00e1kupy pohodln\u011b sledovat v mobiln\u00ed aplikaci <\/a>nebo v r\u00e1mci v\u011brnostn\u00edho programu Odm\u011bny<\/a> vyu\u017e\u00edvat p\u0159\u00edjemn\u00e9 bonusy a slevy <\/a>nav\u00edc.<\/p>\n","protected":false},"excerpt":{"rendered":"

Zat\u00edmco v \u010cesku odlo\u017een\u00e1 platba st\u00e1le pat\u0159\u00ed mezi relativn\u011b novou slu\u017ebu, v zahrani\u010d\u00ed m\u00e1 tato platebn\u00ed metoda del\u0161\u00ed historii. Odlo\u017een\u00e1 platba m\u00e1 siln\u00e9 z\u00e1zem\u00ed nejen v z\u00e1padn\u00edch zem\u00edch, ale t\u0159eba tak\u00e9 ve Skandin\u00e1vii nebo u protino\u017ec\u016f. Kter\u00e9 firmy ji ve sv\u011bt\u011b roz\u0161\u00ed\u0159ily mezi z\u00e1kazn\u00edky?<\/p>\n","protected":false},"author":6,"featured_media":1404,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,122],"class_list":["post-1405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-skip-pay","entry"],"acf":[],"yoast_head":"\nOdlo\u017eenou platbu zpopularizovala \u0161v\u00e9dsk\u00e1 Klarna | Skip Pay<\/title>\n<meta name=\"description\" content=\"Skip Pay u\u017e zn\u00e1te. A co start-upy, kter\u00e9 nab\u00edzej\u00ed odlo\u017eenou platbu va sv\u011bt\u011b? 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