{"id":841,"date":"2019-10-02T08:55:42","date_gmt":"2019-10-02T07:55:42","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=841"},"modified":"2024-07-30T14:27:15","modified_gmt":"2024-07-30T12:27:15","slug":"rozhovor-dominik-stroukal-jak-psd2-zmeni-cesky-trh","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/rozhovor-dominik-stroukal-jak-psd2-zmeni-cesky-trh\/","title":{"rendered":"Dominik Stroukal: PSD2 otev\u00edr\u00e1 cestu technologick\u00fdm gigant\u016fm"},"content":{"rendered":"\n

D\u00e1 se n\u011bjak stru\u010dn\u011b vysv\u011btlit, co se za zkratkou PSD2 skr\u00fdv\u00e1?<\/strong><\/h3>\n\n\n\n

D\u00e1. Pro n\u00e1s smrteln\u00edky to znamen\u00e1, \u017ee Evropsk\u00e1 unie vydala novou sadu pravidel pro platby kartami a na internetu. P\u00e1r v\u011bc\u00ed, na kter\u00e9 jsme zvykl\u00ed, se zm\u011bn\u00ed. A patrn\u011b to umo\u017en\u00ed vzniknout n\u011bkter\u00fdm novink\u00e1m. Tou, kterou si asi nejl\u00e9pe dok\u00e1\u017eeme p\u0159edstavit, je jedna aplikace <\/a>v telefonu, p\u0159es kterou budete m\u00edt mo\u017enost ovl\u00e1dat v\u0161echny sv\u00e9 \u00fa\u010dty v bank\u00e1ch na jednom m\u00edst\u011b. <\/p>\n\n\n\n

Pro\u010d v\u016fbec PSD2 vznikla?<\/strong><\/h3>\n\n\n\n

Ta zkratka to sama o sob\u011b vysv\u011btluje. PS jsou platebn\u00ed slu\u017eby a D direktiva. Dvojka znamen\u00e1, \u017ee jedni\u010dka u\u017e Evropsk\u00e9 unii nesta\u010dila. PSD \u201ejedni\u010dka\u201c vznikla p\u0159ed v\u00edce ne\u017e deseti lety, tedy v dob\u011b, kdy skoro nikdo z n\u00e1s na internetu nenakupoval, neplatili jsme bezkontaktn\u011b, nepou\u017e\u00edvali jsme bankovn\u00ed aplikace v telefonu\u2026 Sm\u011brnice se je\u0161t\u011b p\u00e1rkr\u00e1t upravila, ale Unie usoudila, \u017ee se doba v\u00fdznamn\u011b zm\u011bnila, a proto je \u010das do toho trochu v\u00edc \u0159\u00edznout.<\/p>\n\n\n

TIP!<\/div>
Co znamenaj\u00ed tajemn\u00e9 zkratky PSD2<\/a> a SCA? Pod\u00edvali jsme se na zoubek nov\u00e9 evropsk\u00e9 sm\u011brnici.<\/a><\/b><\/div><\/div>\n\n\n\n

Podle informac\u00ed \u010cNB ale tuzemsk\u00e9 banky nestihly zm\u011bny souvisej\u00edc\u00ed s na\u0159\u00edzen\u00edm v\u010das implementovat. Pro\u010d je pro n\u011b zaveden\u00ed nov\u00fdch pravidel tak komplikovan\u00e9?<\/strong><\/h3>\n\n\n\n

Zkuste si ten text regulace p\u0159e\u010d\u00edst. Je to jako kdy\u017e dostanete pl\u00e1ny od architekta a po p\u00e1r letech se nast\u011bhujete do hotov\u00e9ho domu. I kdy\u017e na to bylo dost \u010dasu, spousta probl\u00e9m\u016f se objev\u00ed a\u017e za b\u011bhu. N\u011bkter\u00e9 probl\u00e9my jsou ale teoretick\u00e9 a nem\u00e1me na n\u011b st\u00e1le dobr\u00e9 odpov\u011bdi. T\u0159eba jestli je SMS autorizace siln\u00fdm ov\u011b\u0159en\u00edm, nebo ne. <\/p>\n\n\n

\n
\"Dominik
Dominik Stroukal, hlavn\u00ed ekonom finan\u010dn\u00ed skupiny Roklen.<\/figcaption><\/figure>\n<\/div>\n\n\n
Dominik Stroukal<\/a> je hlavn\u00ed ekonom finan\u010dn\u00ed skupiny Roklen. Vyu\u010duje na vysok\u00e9 \u0161kole CEVRO institut, p\u00ed\u0161e knihy, prov\u00e1z\u00ed po\u0159adem Kdo to plat\u00ed? na MALL TV, je \u0161\u00e9fredaktorem \u010dasopisu Trade-off a stoj\u00ed v \u010dele spole\u010dnosti bit agency. Je autorem prvn\u00ed \u010desk\u00e9 knihy o Bitcoinu (2015) a dal\u0161\u00edch kryptom\u011bn\u00e1ch (2018). V roce 2019 mu vy\u0161la kniha Ekonomick\u00e9 bubliny. <\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Pro\u010d by nebyla?<\/strong><\/h3>\n\n\n\n

Kdy\u017e jste d\u0159\u00edve poslali platbu na po\u010d\u00edta\u010di a p\u0159i\u0161la v\u00e1m potvrzovac\u00ed SMS, dok\u00e1zali jste, \u017ee je velmi nepravd\u011bpodobn\u00e9, aby v\u00e1m n\u011bkdo naboural sou\u010dasn\u011b po\u010d\u00edta\u010d i telefon. Kdy\u017e ale dnes platbu ud\u011bl\u00e1te na telefonu a SMS v\u00e1m p\u0159ijde na ten sam\u00fd telefon, situace je v\u00fdznamn\u011b odli\u0161n\u00e1. Sta\u010d\u00ed tedy SMS? Asi ano, ale z\u00e1le\u017e\u00ed na kontextu. Te\u010f u\u017e se jen pr\u00e1vn\u00edci h\u00e1daj\u00ed, jak si text regulace vylo\u017eit.<\/p>\n\n\n\n

Co se v souvislosti s t\u00edmto siln\u00fdm ov\u011b\u0159ov\u00e1n\u00edm (SCA), kter\u00e9 je sou\u010d\u00e1st\u00ed sm\u011brnice, zm\u011bn\u00ed pro b\u011b\u017en\u00e9 spot\u0159ebitele?<\/strong><\/h3>\n\n\n\n

Mo\u017en\u00e1 u\u017e jste to sami za\u017eili. Zaplat\u00edte kartou do 500 K\u010d bezkontaktn\u011b a termin\u00e1l v\u00e1m platbu odm\u00edtne.<\/p>\n\n\n\n

To je pravda.<\/strong><\/h3>\n\n\n\n

No a zmaten\u011b p\u0159em\u00fd\u0161l\u00edte, jestli m\u00e1te na \u00fa\u010dt\u011b dost pen\u011bz, ale v\u00edte, \u017ee ano. Termin\u00e1l by v\u00e1m to nav\u00edc norm\u00e1ln\u011b \u0159ekl, kdybyste nem\u011bli dost prost\u0159edk\u016f. Te\u010f ale jen kartu zam\u00edtl. Chce po v\u00e1s toti\u017e, abyste vlo\u017eili \u010dip standardn\u011b a zadali PIN. \u010cas od \u010dasu, aby n\u011bkdo neb\u011bhal s ciz\u00ed kartou a po p\u011btistovk\u00e1ch v\u00e1m nevybral cel\u00fd \u00fa\u010det.<\/p>\n\n\n\n

Roz\u0161\u00ed\u0159\u00ed se v d\u016fsledku nov\u00e9ho na\u0159\u00edzen\u00ed vyu\u017e\u00edv\u00e1n\u00ed biometrick\u00fdch \u00fadaj\u016f?<\/strong><\/h3>\n\n\n\n

Nic tomu nebr\u00e1nilo ani d\u0159\u00edve, ale te\u010f se o tom asi bude v\u00edce nahlas mluvit, tak\u017ee je to mo\u017en\u00e9. Siln\u00e9 ov\u011b\u0159en\u00ed toti\u017e znamen\u00e1, \u017ee krom\u011b v\u00fdjimek \u2013 jako kdy\u017e plat\u00edte m\u00e1lo, n\u011bkomu d\u016fv\u011bryhodn\u00e9mu nebo opakovan\u011b to sam\u00e9 stejn\u00e9mu p\u0159\u00edjemci \u2013 byste m\u011bli zkombinovat alespo\u0148 dva ze t\u0159\u00ed zp\u016fsob\u016f ov\u011b\u0159en\u00ed (dvoufaktorov\u00e9 ov\u011b\u0159en\u00ed). N\u011bco, co zn\u00e1te, n\u011bco, co m\u00e1te, a nebo n\u011bco, co jste. Tedy typicky n\u011bco z kombinace heslo, SMS, otisk prstu. Vedle otisk\u016f prstu by to ale mohly b\u00fdt i jin\u00e9 biometrick\u00e9 \u00fadaje, t\u0159eba va\u0161e oko nebo v budoucnosti \u00fadaje z va\u0161eho mozku \u010di srdce. To je ale zat\u00edm sp\u00ed\u0161e sci-fi.<\/p>\n\n\n\n

No a budou tedy finan\u010dn\u00ed transakce na internetu skute\u010dn\u011b bezpe\u010dn\u011bj\u0161\u00ed? Lze dvoufaktorov\u00e9 ove\u0159en\u00ed n\u011bjak \u201eobej\u00edt\u201c?<\/strong><\/h3>\n\n\n\n

Bezpe\u010dnost nikdy nen\u00ed stoprocentn\u00ed. V\u0161e je to jen o sni\u017eov\u00e1n\u00ed pravd\u011bpodobnosti. Finan\u010dn\u00ed instituce samoz\u0159ejm\u011b dvoufaktorov\u00e9 ov\u011b\u0159en\u00ed pou\u017e\u00edvaly, i kdy\u017e je k tomu nikdo nenutil. Pro v\u011bt\u0161inu z n\u00e1s se tak v tomto ohledu p\u0159\u00edli\u0161 nem\u011bn\u00ed.<\/p>\n\n\n\n

Jak regulace ovlivn\u00ed modern\u00ed platebn\u00ed metody, jako jsou Google Pay nebo Apple Pay?<\/strong><\/h3>\n\n\n\n

Google i Apple by to asi dok\u00e1zali \u010dasem jinou cestou, ale PSD2 licence jim nyn\u00ed umo\u017en\u00ed st\u00e1t se t\u00e9m\u011b\u0159 plnohodnotnou platebn\u00ed instituc\u00ed. P\u0159ed PSD2 by si musely zalo\u017eit nebo koupit banku, nyn\u00ed jim sta\u010d\u00ed tato licence. Vyhnou se tak bankovn\u00ed regulaci a budou m\u00edt mo\u017enost v\u00fdznamn\u011b roz\u0161\u00ed\u0159it sv\u00e9 platebn\u00ed slu\u017eby. Co v\u0161echno vymysl\u00ed, se dnes t\u011b\u017eko p\u0159edv\u00edd\u00e1, ale jednu v\u011bc si p\u0159edstavit m\u016f\u017eeme. Google nebo Apple se sp\u00e1ruj\u00ed s va\u0161\u00ed kartou a budou m\u00edt mo\u017enost \u010d\u00edst \u00fadaje na va\u0161em \u00fa\u010dtu a zobrazovat v\u00e1m je. P\u0159esto\u017ee v\u00e1m tedy \u00fa\u010det povede banka, v\u0161e uvid\u00edte p\u0159\u00edmo v aplikaci Google Pay nebo Apple Pay<\/a>. \u010c\u00edm d\u00e1l v\u00edc si budeme zvykat na to, \u017ee n\u00e1m tito technologi\u010dt\u00ed giganti spravuj\u00ed i pen\u00edze, i kdy\u017e to tak ve skute\u010dnosti nebude. Pak u\u017e je to jenom krok k tomu, aby to i za\u010dali v\u00e1\u017en\u011b d\u011blat.<\/p>\n\n\n\n

Je\u0161t\u011b m\u011b zaj\u00edm\u00e1, jestli m\u00e1 na\u0159\u00edzen\u00ed n\u011bjak\u00e1 \u00faskal\u00ed, kter\u00e1 se mohou dotknout b\u011b\u017en\u00fdch spot\u0159ebitel\u016f, ale p\u0159\u00edli\u0161 se o nich nemluv\u00ed?<\/strong><\/h3>\n\n\n\n

Spoustu toho je\u0161t\u011b nev\u00edme a uk\u00e1\u017ee to a\u017e budoucnost. Pravd\u011bpodobn\u011b ale vznikne tlak na zaveden\u00ed siln\u011bj\u0161\u00edch zp\u016fsob\u016f ov\u011b\u0159ov\u00e1n\u00ed, na kter\u00e9 nejsme zvykl\u00ed. Je mo\u017en\u00e9, \u017ee SMS jako ov\u011b\u0159en\u00ed nebude sta\u010dit, a tak budeme pou\u017e\u00edvat \u00fapln\u011b nez\u00e1visl\u00e9 ov\u011b\u0159ovac\u00ed krabi\u010dky. Objevily se u\u017e n\u00e1vrhy na platebn\u00ed karty, kter\u00e9 dynamicky m\u011bn\u00ed ta t\u0159i \u010d\u00edsla na zadn\u00ed stran\u011b. Kdy\u017e v\u00e1m ji n\u011bkdo p\u0159e\u010dte nebo ji n\u011bkam zad\u00e1te, z\u00edtra u\u017e to fungovat nebude. \u010cast\u011bj\u0161\u00ed bude biometrie. Jin\u00fdmi slovy, ubyde trochu pohodl\u00ed, aby se zv\u00fd\u0161ila bezpe\u010dnost.<\/p>\n\n\n

\n
\"Ekonom
Dominik Stroukal analyzuje, jak se v na \u010desk\u00e9m trhu projev\u00ed evropsk\u00e9 na\u0159\u00edzen\u00ed PSD2.<\/figcaption><\/figure>\n<\/div>\n\n\n

Na jak\u00e9 probl\u00e9my mohou v souvislosti s na\u0159\u00edzen\u00edm narazit e-shopy?<\/strong><\/h3>\n\n\n\n

Jako u ka\u017ed\u00e9 regulace i tady plat\u00ed, \u017ee je p\u0159\u00edprava finan\u010dn\u011b i \u010dasov\u011b n\u00e1ro\u010dn\u00e1. I kdyby se nakonec nic nem\u011bnilo, mus\u00ed to e-shopy zjistit, naj\u00edmat si odborn\u00edky, pr\u00e1vn\u00edky, chodit po konferenc\u00edch, \u010d\u00edst vyj\u00e1d\u0159en\u00ed autorit a podobn\u011b. To m\u016f\u017ee b\u00fdt posledn\u00ed kapkou pro spousty mal\u00fdch e-shop\u016f, zat\u00edmco pro ty velk\u00e9 je to zanedbateln\u00fd n\u00e1klad. Druh\u00fdm probl\u00e9mem je pravd\u011bpodobn\u011b vy\u0161\u0161\u00ed procento nedokon\u010den\u00fdch objedn\u00e1vek, proto\u017ee \u010d\u00edm v\u00edce krok\u016f mus\u00ed z\u00e1kazn\u00edk ud\u011blat, t\u00edm je v\u011bt\u0161\u00ed \u0161ance, \u017ee opadne jeho prvotn\u00ed nad\u0161en\u00ed. Nakonec to zdra\u017e\u00ed v\u00fdvoj vlastn\u00edch platebn\u00edch bran a e-shopy tak budou nuceny v\u00edce vyu\u017e\u00edvat slu\u017eeb t\u0159et\u00edch stran. Je tak mo\u017en\u00e9, \u017ee se ni\u017e\u0161\u00ed konkurence m\u016f\u017ee prom\u00edtnout m\u00edrn\u011b do vy\u0161\u0161\u00edch cen.<\/p>\n\n\n\n

Bude z toho v\u0161eho n\u011bjak\u00e1 oblast naopak profitovat?<\/strong><\/h3>\n\n\n\n

Ze v\u0161eho v\u00fd\u0161e uveden\u00e9ho mi vych\u00e1z\u00ed, \u017ee v kone\u010dn\u00e9m d\u016fsledku to pom\u016f\u017ee v\u011bt\u0161\u00edm e-shop\u016fm, poskytovatel\u016fm platebn\u00edch \u0159e\u0161en\u00ed pro e-shopy a technologick\u00fdm gigant\u016fm, kte\u0159\u00ed se dostanou je\u0161t\u011b o trochu bl\u00ed\u017e k na\u0161im k\u00fd\u017een\u00fdm \u00fadaj\u016fm a pen\u011b\u017eenk\u00e1m.<\/p>\n\n\n\n

M\u00e1 odlo\u017een\u00e1 platba, kter\u00e1 odd\u011bluje n\u00e1kup od platby, potenci\u00e1l zm\u011bn ve finan\u010dn\u00edch transakc\u00edch vyu\u017e\u00edt ve sv\u016fj prosp\u011bch?<\/strong><\/h3>\n\n\n\n

Odlo\u017een\u00e1 platba<\/a> m\u016f\u017ee d\u00e1vat smysl pro e-shop i z\u00e1kazn\u00edka. J\u00e1 si jako nakupuj\u00edc\u00ed nemus\u00edm l\u00e1mat hlavu s obt\u00ed\u017en\u011bj\u0161\u00edm ov\u011b\u0159ov\u00e1n\u00edm a e-shop d\u00edky tomu nep\u0159ijde o z\u00e1kazn\u00edka. Hlavn\u011b je odlo\u017een\u00e1 platba<\/a> trend, kter\u00fd d\u00e1v\u00e1 ekonomicky smysl. J\u00e1 kdy\u017e odvedu pr\u00e1ci, tak mi \u0161\u00e9f zaplat\u00ed a\u017e v polovin\u011b n\u00e1sleduj\u00edc\u00edho m\u011bs\u00edce. Kdy\u017e podnik\u00e1te a vystav\u00edte fakturu, klient v\u00e1m zaplat\u00ed a\u017e za dva t\u00fddny, pokud m\u00e1te v\u016fbec \u0161t\u011bst\u00ed. Ale j\u00e1 v\u0161echno mus\u00edm platit hned, te\u010f a tady. Odlo\u017een\u00e1 platba je mo\u017enost zm\u00edrnit tuhle nerovnost a do budoucna bude st\u00e1le \u010dast\u011bj\u0161\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

Je PSD2 jenom nafouknut\u00e1 bublina, nebo tato evropsk\u00e1 sm\u011brnice zm\u011bn\u00ed zp\u016fsob, jak\u00fdm jsme zvykl\u00ed nakl\u00e1dat s pen\u011bzi? A jak\u00fd bude m\u00edt na\u0159\u00edzen\u00ed dopad pro e-shopy? Na to jsme se zeptali Dominika Stroukala, hlavn\u00edho ekonoma finan\u010dn\u00ed skupiny Roklen, kter\u00e9ho m\u016f\u017eete zn\u00e1t tak\u00e9 z po\u0159adu Kdo to plat\u00ed?, kter\u00fd vys\u00edl\u00e1 internetov\u00e1 televize MALL.TV.<\/p>\n","protected":false},"author":6,"featured_media":840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[58,17],"class_list":["post-841","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-b2b","tag-odlozena-platba","entry"],"acf":[],"yoast_head":"\nDominik Stroukal: Jak PSD2 zm\u011bn\u00ed \u010desk\u00fd finan\u010dn\u00ed trh? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Hlavn\u00ed ekonom finan\u010dn\u00ed skupiny Roklen Dominik Stroukal v rozhovoru odpov\u00edd\u00e1 na dotazy, kter\u00e9 souvis\u00ed se sm\u011brnic\u00ed PSD2 i odlo\u017eenou platbou. \ud83d\udcb3\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/rozhovor-dominik-stroukal-jak-psd2-zmeni-cesky-trh\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dominik Stroukal: Jak PSD2 zm\u011bn\u00ed \u010desk\u00fd finan\u010dn\u00ed trh? 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