- \n
- Klasick\u00e9 ov\u011b\u0159en\u00ed plateb pouze p\u0159es SMS k\u00f3d u\u017e nen\u00ed dostate\u010dn\u00e9<\/strong> a od 1.1.2021 mus\u00ed b\u00fdt pou\u017eito v kombinaci s dal\u0161\u00edm bezpe\u010dnostn\u00edm faktorem<\/li>\n
- Nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed platby vyu\u017e\u00edvaj\u00ed ov\u011b\u0159en\u00ed p\u0159es chytr\u00fd telefon prost\u0159ednictv\u00edm aplikace mobiln\u00edho bankovnictv\u00ed, nebo pomoc\u00ed biometrick\u00fdch prvk\u016f<\/li>\n
- Pokud u\u017eivatel nevlastn\u00ed chytr\u00fd telefon, nebo nevyu\u017e\u00edv\u00e1 slu\u017eby mobiln\u00edho bankovnictv\u00ed, bude si muset pamatovat speci\u00e1ln\u00ed PIN, kter\u00fd spolu s SMS k\u00f3dem bude vyu\u017e\u00edvat k autentizaci plateb<\/li>\n
- O konkr\u00e9tn\u00ed podob\u011b siln\u00e9ho ov\u011b\u0159en\u00ed rozhoduj\u00ed banky<\/strong>, nikoliv platebn\u00ed br\u00e1na<\/li>\n
- Platebn\u00ed br\u00e1na GoPay<\/strong> je u\u017e od podzimu 2019<\/strong> na siln\u011bj\u0161\u00ed ov\u011b\u0159en\u00ed plateb technicky p\u0159ipravena<\/strong><\/li>\n
- Jste provozovatel e-shopu a vyu\u017e\u00edv\u00e1te GoPay? Pak nemus\u00edte nic implementovat, ani nastavovat<\/strong> – br\u00e1na v\u0161e za\u0159\u00edd\u00ed za v\u00e1s<\/li>\n
<\/strong><\/ul>\n<\/div><\/div>\n\n\n\n
P\u0159ehled nejd\u016fle\u017eit\u011bj\u0161\u00edch pojm\u016f<\/h2>\n\n\n\n
PSD2 sm\u011brnice<\/strong> – evropsk\u00e1 sm\u011brnice o platebn\u00edch slu\u017eb\u00e1ch<\/a>, kter\u00e1 m\u00e1 za c\u00edl v\u011bt\u0161\u00ed transparentnost dat bank sm\u011brem ke klient\u016fm, zaveden\u00ed siln\u011bj\u0161\u00edch autentiza\u010dn\u00edch mechanism\u016f online plateb, apod. Na poli plateb se jedn\u00e1 o d\u016fle\u017eit\u00fd dokument, kter\u00fd m\u00e1 potenci\u00e1l p\u0159in\u00e9st nov\u00e9 platebn\u00ed metody, ale i pos\u00edlit vztah mezi bankou a klientem ve prosp\u011bch klienta. Sm\u011brnice byla p\u0159ijata v roce 2015. V roce 2018 nabyla \u00fa\u010dinnosti novela z\u00e1kona \u010d. 370\/2017 Sb., o platebn\u00edm styku, kter\u00e1 implementuje PSD2 v \u010cesk\u00e9 republice. <\/p>\n\n\n\n
Siln\u00e9 ov\u011b\u0159en\u00ed plateb<\/strong> – bezpe\u010dnostn\u00ed mechanismus, kter\u00fd si klade za c\u00edl z\u00e1sadn\u00edm zp\u016fsobem sn\u00ed\u017eit riziko vzniku podvod\u016f v d\u016fsledku kompromitovan\u00e9ho (unikl\u00e9ho, nebo zneu\u017eit\u00e9ho) hesla. N\u011bkdy se tak\u00e9 setk\u00e1te s ozna\u010den\u00edm siln\u00e1 autentizace u\u017eivatele\/z\u00e1kazn\u00edka. V GoPay jej ozna\u010dujeme zkratkou SCA.<\/p>\n\n\n\n
SCA spo\u010d\u00edv\u00e1 v pou\u017eit\u00ed kombinace dvou ze t\u0159\u00ed bezpe\u010dnostn\u00edch prvk\u016f (faktor\u016f), d\u00edky kter\u00fdm dojde k ov\u011b\u0159en\u00ed platby zad\u00e1van\u00e9 na internetu. <\/p>\n\n\n\n
Bezpe\u010dnostn\u00ed faktory se d\u011bl\u00ed do 3 kategori\u00ed:<\/p>\n\n\n\n
- \n
- Znalost <\/strong>\u2013 n\u011bco, co u\u017eivatel zn\u00e1, nap\u0159. heslo, PIN, CVV k\u00f3d ze zadn\u00ed strany platebn\u00ed karty<\/li>\n\n\n\n
- Vlastnictv\u00ed <\/strong>\u2013 n\u011bco, co vlastn\u00ed, nap\u0159. telefon, chytr\u00e9 hodinky<\/li>\n\n\n\n
- Jedine\u010dnost <\/strong>\u2013 n\u011bco, \u010d\u00edm u\u017eivatel je. Sem pat\u0159\u00ed biologick\u00e9 prvky, nap\u0159. otisk prstu, sken duhovky, fotka obli\u010deje, atd.<\/li>\n<\/ul>\n\n\n\n
![\"siln\u00e9](\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/03\/stron-aut-ocean.jpg\")
<\/a><\/figure>\n\n\n\n3D Secure<\/strong> – dosavadn\u00ed bezpe\u010dnostn\u00ed standard v ov\u011b\u0159ov\u00e1n\u00ed online plateb, kter\u00fd spo\u010d\u00edval v zad\u00e1n\u00ed SMS k\u00f3du. Spad\u00e1 do kategorie vlastnictv\u00ed. Nov\u011b tento zp\u016fsob ov\u011b\u0159en\u00ed nen\u00ed z hlediska bezpe\u010dnosti dosta\u010duj\u00edc\u00ed a mus\u00ed b\u00fdt pou\u017eit v kombinaci s dal\u0161\u00edm bezpe\u010dnostn\u00edm faktorem, bu\u010f z kategorie Znalost (heslo, PIN, apod) nebo Jedine\u010dnost (biometrika). <\/p>\n\n\n\n
3D Secure 2.0<\/strong> – nov\u00e1 generace bezpe\u010dnostn\u00edho standardu, kter\u00e1 vyu\u017e\u00edv\u00e1 nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed. <\/p>\n\n\n\n
Nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed<\/strong> – takov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed, kter\u00e9 k ov\u011b\u0159en\u00ed vyu\u017e\u00edvaj\u00ed bankovn\u00ed aplikaci, nebo kombinuj\u00ed pou\u017eit\u00ed ePINu a SMS k\u00f3du. <\/p>\n\n\n\n
![\"\"](\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2021\/06\/overeni_platby_visa_moneta-1024x487.jpg\")
<\/a><\/figure>\n\n\n\n![\"\"](\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2019\/08\/Screenshot_20201126_095947_cz.moneta.smartbanka-512x1024.jpg\")
<\/a><\/figure>\n\n\n\nePIN<\/strong> – speci\u00e1ln\u00ed \u010d\u00edseln\u00fd k\u00f3d, kter\u00fd z\u00e1kazn\u00edk mus\u00ed zadat p\u0159i ov\u011b\u0159en\u00ed platby, pokud nem\u00e1 v mobilu nainstalovanou bankovn\u00ed aplikaci nebo nevlastn\u00ed chytr\u00fd telefon. Nejedn\u00e1 se o stejn\u00fd PIN, kter\u00fd z\u00e1kazn\u00edk pou\u017e\u00edv\u00e1 v souvislosti se svoj\u00ed kartou v offline sv\u011bt\u011b. Z\u00e1kazn\u00edk sv\u016fj ePIN nej\u010dast\u011bji najde ve sv\u00e9m internetov\u00e9m bankovnictv\u00ed, pop\u0159\u00edpad\u011b mu jej banka sd\u011bl\u00ed na vy\u017e\u00e1d\u00e1n\u00ed. K ov\u011b\u0159en\u00ed platby je nutn\u00e9 zadat ePIN v kombinaci s SMS k\u00f3dem. <\/p>\n\n\n\n
Vydavatel karty (\u201cissuer\u201d) <\/strong>– banka, kter\u00e1 vydala kartu z\u00e1kazn\u00edka a kter\u00e1 je odpov\u011bdn\u00e1 za konkr\u00e9tn\u00ed proveden\u00ed siln\u00e9ho ov\u011b\u0159en\u00ed platby a za jej\u00ed autentizaci. Pokud p\u0159i transakci nastane z\u00e1drhel (z\u00e1kazn\u00edk \u0161patn\u011b zad\u00e1 k\u00f3d 3D Secure ov\u011b\u0159en\u00ed, nebo nem\u00e1 na \u00fa\u010dtu dostatek pen\u011bz, apod), je to pr\u00e1v\u011b vydavatel karty, kter\u00fd transakci zam\u00edtne. Nikdy to nen\u00ed platebn\u00ed br\u00e1na. <\/p>\n\n\n\n
Hladk\u00e1 (\u201cfrictionless\u201d) platba <\/strong>– platba, kter\u00e1 m\u00e1 ze siln\u00e9ho ov\u011b\u0159en\u00ed v\u00fdjimku a m\u016f\u017ee b\u00fdt autentizov\u00e1na vydavatelem karty bez jak\u00e9koliv interakce ze strany plat\u00edc\u00edho z\u00e1kazn\u00edka. Plat\u00edc\u00ed z\u00e1kazn\u00edk tedy nemus\u00ed platbu v\u016fbec ov\u011b\u0159ovat, a po zad\u00e1n\u00ed \u00fadaj\u016f z karty dojde rovnou k autorizaci. V\u00fdhodou je rychl\u00fd platebn\u00ed proces, kde z\u00e1kazn\u00edk vypln\u00ed jen n\u011bkolik m\u00e1lo \u00fadaj\u016f (v p\u0159\u00edpad\u011b ulo\u017een\u00ed karty je\u0161t\u011b m\u00e9n\u011b) a nen\u00ed zde riziko, \u017ee \u201csho\u0159\u00ed\u201d pr\u00e1v\u011b na zad\u00e1v\u00e1n\u00ed ePINu nebo jin\u00e9ho k\u00f3du. Aby hladk\u00e1 platba mohla nastat, mus\u00ed banka prov\u00e9st tzv. transak\u010dn\u00ed anal\u00fdzu. <\/p>\n\n\n\n
Transak\u010dn\u00ed anal\u00fdza<\/strong> – anal\u00fdza, kter\u00e1 m\u00e1 za c\u00edl na z\u00e1klad\u011b n\u011bkolika ukazatel\u016f o plat\u00edc\u00edm z\u00e1kazn\u00edkovi posoudit, zda se jedn\u00e1 o bezpe\u010dnou transakci, na kterou je mo\u017en\u00e9 uplatnit v\u00fdjimku ze siln\u00e9ho ov\u011b\u0159en\u00ed. Typicky se posuzuje \u010detnost plateb z\u00e1kazn\u00edka u dan\u00e9ho obchodn\u00edka (e-shopu), v\u00fd\u0161e \u010d\u00e1stky, lokalita nebo za\u0159\u00edzen\u00ed, ze kter\u00e9ho z\u00e1kazn\u00edk obvykle plat\u00ed. I kdy\u017e vydavatel transak\u010dn\u00ed anal\u00fdzu provede a transakci vyhodnot\u00ed jako bezrizikovou, nen\u00ed automaticky dan\u00e9, \u017ee platba nakonec z\u00edsk\u00e1 v\u00fdjimku ze siln\u00e9ho ov\u011b\u0159en\u00ed. <\/p>\n\n\n\n
Konverze plateb<\/strong> – jin\u00fdmi slovy pom\u011br \u00fasp\u011b\u0161n\u011b dokon\u010den\u00fdch plateb. P\u0159edpokladem pro \u00fasp\u011b\u0161n\u00e9 dokon\u010den\u00ed platby ze strany z\u00e1kazn\u00edka je pou\u017eit\u00ed platn\u00e9 karty, povolen\u00e9 internetov\u00e9 platby, dostatek pen\u011bz na \u00fa\u010dtu, dostate\u010dn\u00e9 limity pro prov\u00e1d\u011bn\u00ed plateb, spr\u00e1vnost zad\u00e1n\u00ed v\u0161ech \u00fadaj\u016f (\u010d\u00edslo karty, platnost, ov\u011b\u0159ovac\u00ed CVC\/CVV k\u00f3d) a \u00fasp\u011b\u0161n\u00e9 ov\u011b\u0159en\u00ed platby z hlediska siln\u00e9 autentizace. <\/p>\n\n\n\n
![\"\"](\"https:\/\/www.gopay.com\/blog\/wp-content\/uploads\/2021\/06\/3DS-1024x563.png\")
<\/a><\/figure>\n\n\n\nCo v\u0161echno jsme v na\u0161\u00ed anal\u00fdze sledovali? <\/h2>\n\n\n\n
P\u0159i sestavov\u00e1n\u00ed na\u0161\u00ed anal\u00fdzy n\u00e1s zaj\u00edmaly p\u0159edev\u0161\u00edm tyto ot\u00e1zky:
<\/p>\n\n\n\n- \n
- jak\u00e1 je celkov\u00e1 \u00fasp\u011b\u0161nost 3D Secure 2.0?<\/li>\n\n\n\n
- kolik plateb je takzvan\u011b hladk\u00fdch, tedy bez nutnosti ov\u011b\u0159en\u00ed ze strany z\u00e1kazn\u00edka?<\/li>\n\n\n\n
- kolik procent plateb banky neov\u011b\u0159\u00ed (nebo\u0165 nastane n\u011bjak\u00fd probl\u00e9m)?<\/li>\n\n\n\n
- kolik procent plateb je ov\u011b\u0159eno v bankovn\u00ed aplikaci?<\/li>\n\n\n\n
- kolik procent plateb k ov\u011b\u0159en\u00ed pou\u017e\u00edv\u00e1 kombinaci ePIN a SMS k\u00f3d?<\/li>\n\n\n\n
- jak\u00fd je rozd\u00edl v konverz\u00edch mezi \u010ceskou republikou a Evropskou uni\u00ed?<\/li>\n\n\n\n
- maj\u00ed nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed dopad na celkov\u00e9 konverze?<\/li>\n<\/ul>\n\n\n\n
Sledovali jsme platby kartou zejm\u00e9na n\u00e1sleduj\u00edc\u00edch vydavatel\u016f (bank): <\/p>\n\n\n\n
- \n
- \u010cesk\u00e1 spo\u0159itelna<\/li>\n\n\n\n
- \u010cSOB<\/li>\n\n\n\n
- Air Bank<\/li>\n\n\n\n
- EQUA Bank<\/li>\n\n\n\n
- Moneta Money Bank<\/li>\n\n\n\n
- Komer\u010dn\u00ed Banka<\/li>\n\n\n\n
- Raiffeisen Bank<\/li>\n\n\n\n
- mBank<\/li>\n\n\n\n
- Fio Banka<\/li>\n\n\n\n
- UniCredit Bank<\/li>\n\n\n\n
- Twisto*<\/li>\n\n\n\n
- Revolut*<\/li>\n<\/ul>\n\n\n\n
*Twisto ani Revolut nejsou klasick\u00fdmi bankami v prav\u00e9m slova smyslu, ale zaj\u00edmalo n\u00e1s, jak p\u0159es tyto fintech slu\u017eby siln\u00e9 ov\u011b\u0159en\u00ed prob\u00edh\u00e1<\/em><\/p>\n\n\n\n
Do anal\u00fdzy jsme zahrnuli v\u0161echny platby kartou proveden\u00e9 v obdob\u00ed b\u0159ezen a\u017e duben 2021.<\/p>\n\n\n\n
Na n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch si m\u016f\u017eete p\u0159e\u010d\u00edst, jak to cel\u00e9 dopadlo. <\/p>\n\n\n\n
Jak\u00e1 je celkov\u00e1 \u00fasp\u011b\u0161nost 3D Secure 2.0?<\/h2>\n\n\n\n
Celkov\u00e1 \u00fasp\u011b\u0161nost nov\u00e9ho ov\u011b\u0159en\u00ed, tedy procento plateb, u kter\u00fdch se poda\u0159\u00ed platbu \u00fasp\u011b\u0161n\u011b ov\u011b\u0159it, je pom\u011brn\u011b vysok\u00e1. Nejlep\u0161\u00ed v\u00fdsledky dosahuj\u00ed 96 procent, a to konkr\u00e9tn\u011b u \u010cSOB a Air bank. Nejmen\u0161\u00ed \u010d\u00edsla dos\u00e1hla t\u011bsn\u011b pod hranici 90 %, a to v p\u0159\u00edpad\u011b plateb klient\u016f UniCredit bank a Equa bank. Kolem hranice 96 % se pohybuje i Revolut. <\/p>\n\n\n\n
Kdy\u017e bychom zpr\u016fm\u011brovali platby v\u0161ech bank, dost\u00e1v\u00e1me se na \u00fasp\u011b\u0161nost necel\u00fdch 93 %, co\u017e hodnot\u00edme jako velmi dobr\u00fd v\u00fdsledek. <\/p>\n\n\n\n
\n\n
\n\t \nBanka <\/th> Celkov\u00e1 \u00fasp\u011b\u0161nost ov\u011b\u0159en\u00ed plateb<\/th>\n<\/tr>\n<\/thead>\n \n\t \u010cSOB<\/td> 96,92 %<\/td>\n<\/tr>\n \n\t Air bank<\/td> 96,66 %<\/td>\n<\/tr>\n \n\t Revolut v \u010cR<\/td> 96,60 %<\/td>\n<\/tr>\n \n\t Fio banka<\/td> 96,35 %<\/td>\n<\/tr>\n \n\t Twisto <\/td> 95,17 %<\/td>\n<\/tr>\n \n\t UniCredit bank <\/td> 93,71 %<\/td>\n<\/tr>\n \n\t Raiffeisen bank <\/td> 92,77 %<\/td>\n<\/tr>\n \n\t Komer\u010dn\u00ed banka<\/td> 91,55 %<\/td>\n<\/tr>\n \n\t mBank <\/td> 91,36 %<\/td>\n<\/tr>\n \n\t \u010cesk\u00e1 spo\u0159itelna<\/td> 89,99 %<\/td>\n<\/tr>\n \n\t Moneta Money Bank<\/td> 89,18 %<\/td>\n<\/tr>\n \n\t EQUA bank<\/td> 88,53 %<\/td>\n<\/tr>\n \n\t \u010cR celkov\u011b<\/strong><\/td> 91,45 %<\/td>\n<\/tr>\n \n\t Evropa celkov\u011b<\/strong><\/td> 88,82 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n Jak\u00e1 \u010d\u00e1st p\u0159ipad\u00e1 na tzv. hladk\u00e9 platby?<\/h2>\n\n\n\n
Jak jsme si vysv\u011btlili ve slovn\u00ed\u010dku v\u00fd\u0161e, mezi \u201chladk\u00e9\u201d platby po\u010d\u00edt\u00e1me ty, kter\u00e9 byly vyjmuty ze siln\u00e9ho ov\u011b\u0159en\u00ed. Plat\u00edc\u00ed z\u00e1kazn\u00edk tedy nemus\u00ed pro ov\u011b\u0159en\u00ed platby ud\u011blat v\u016fbec nic, nemus\u00ed transakci povtrzovat v aplikaci, ani zad\u00e1vat \u017e\u00e1dn\u00fd ePIN, apod. Po zad\u00e1n\u00ed \u00fadaj\u016f z karty dojde rovnou k autorizaci. <\/p>\n\n\n\n
Z na\u0161\u00ed anal\u00fdzy vypl\u00fdv\u00e1, \u017ee z ov\u011b\u0159en\u00ed je vyjmuta cca t\u0159etina plateb. Konkr\u00e9tn\u00ed v\u00fdsledky se li\u0161\u00ed podle bank. Nejv\u00edce \u201chladk\u00fdch\u201d plateb prob\u00edhalo u klient\u016f Fio banky, konkr\u00e9tn\u011b 48 %, nejm\u00e9n\u011b u klient\u016f UniCredit Bank (ani ne jedno procento plateb). Co se t\u00fd\u010de fintech sektoru, nejv\u00edce hladk\u00fdch plateb prob\u00edhalo p\u0159es Revolut (64 %). <\/p>\n\n\n\n
\n\n
\n\t \nBanka<\/th> Po\u010det hladk\u00fdch plateb <\/th>\n<\/tr>\n<\/thead>\n \n\t Revolut v \u010cR<\/td> 63,68 %<\/td>\n<\/tr>\n \n\t Fio banka<\/td> 48,50 %<\/td>\n<\/tr>\n \n\t \u010cSOB<\/td> 48,29 %<\/td>\n<\/tr>\n \n\t Twisto<\/td> 42,33 %<\/td>\n<\/tr>\n \n\t Air bank<\/td> 38,25 %<\/td>\n<\/tr>\n \n\t EQUA bank<\/td> 37,06 %<\/td>\n<\/tr>\n \n\t Moneta Money Bank<\/td> 33,70 %<\/td>\n<\/tr>\n \n\t Komer\u010dn\u00ed banka<\/td> 30,86 %<\/td>\n<\/tr>\n \n\t Raiffeisen bank<\/td> 6,47 %<\/td>\n<\/tr>\n \n\t mBank<\/td> 2,48 %<\/td>\n<\/tr>\n \n\t \u010cesk\u00e1 spo\u0159itelna<\/td> 1,35 %<\/td>\n<\/tr>\n \n\t UniCredit bank <\/td> 0,76 %<\/td>\n<\/tr>\n \n\t \u010cR celkem<\/strong><\/td> 24,35 %<\/td>\n<\/tr>\n \n\t Evropa celkem<\/strong><\/td> 21,90 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n Kolik procent plateb banky neov\u011b\u0159\u00ed?<\/h2>\n\n\n\n
Tady je celkem velk\u00e9 rozp\u011bt\u00ed. Zat\u00edmco nejmen\u0161\u00ed procento neov\u011b\u0159en\u00fdch plateb se objevuje u mBank – kolem 5 procent plateb banka neov\u011b\u0159\u00ed, nejv\u011bt\u0161\u00ed u Equa bank – zde konkr\u00e9tn\u011b a\u017e neuv\u011b\u0159iteln\u00fdch 18 procent plateb Equa zam\u00edt\u00e1. <\/p>\n\n\n\n
D\u016fvod\u016f k neproveden\u00ed ov\u011b\u0159en\u00ed ze strany banky m\u016f\u017ee b\u00fdt n\u011bkolik. Z\u00e1kazn\u00edk v ov\u011b\u0159en\u00ed ud\u011bl\u00e1 chybu, nebo nastanou technick\u00e9 obt\u00ed\u017ee a z\u00e1kazn\u00edk nen\u00ed na ov\u011b\u0159en\u00ed p\u0159esm\u011brov\u00e1n. Banky toti\u017e sv\u00e9 technick\u00e9 z\u00e1zem\u00ed pro nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed plateb neust\u00e1le aktualizuj\u00ed a n\u011bkdy m\u016f\u017eou b\u00fdt jejich servery p\u0159et\u00ed\u017een\u00e9. <\/p>\n\n\n\n
\n\n
\n\t \nBanka <\/th> Po\u010det neov\u011b\u0159en\u00fdch plateb v %<\/th>\n<\/tr>\n<\/thead>\n \n\t mBank <\/td> 5,01 %<\/td>\n<\/tr>\n \n\t Air bank <\/td> 5,30 %<\/td>\n<\/tr>\n \n\t \u010cSOB<\/td> 5,70 %<\/td>\n<\/tr>\n \n\t \u010cesk\u00e1 spo\u0159itelna <\/td> 6,33 %<\/td>\n<\/tr>\n \n\t Fio banka<\/td> 6,91 %<\/td>\n<\/tr>\n \n\t Raiffeisen bank <\/td> 7,57 %<\/td>\n<\/tr>\n \n\t Twisto <\/td> 7,80 %<\/td>\n<\/tr>\n \n\t Komer\u010dn\u00ed banka<\/td> 8,27 %<\/td>\n<\/tr>\n \n\t Revolut v \u010cR <\/td> 8,83 %<\/td>\n<\/tr>\n \n\t UniCredit bank <\/td> 11,00 %<\/td>\n<\/tr>\n \n\t Moneta Money Bank <\/td> 14,62 %<\/td>\n<\/tr>\n \n\t Equa bank <\/td> 18,07 %<\/td>\n<\/tr>\n \n\t \u010cR celkem<\/strong><\/td> 6,15 %<\/td>\n<\/tr>\n \n\t Evropa celkem<\/strong><\/td> 9,62 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n Kolik procent plateb je ov\u011b\u0159eno v bankovn\u00ed aplikaci?<\/h2>\n\n\n\n
Ov\u011b\u0159en\u00ed platby v bankovn\u00ed aplikaci je jedn\u00edm z nov\u00fdch zp\u016fsob\u016f ov\u011b\u0159en\u00ed. V praxi to znamen\u00e1, \u017ee po zad\u00e1n\u00ed \u00fadaj\u016f \u010d\u00edsla karty v okn\u011b platebn\u00ed br\u00e1ny je z\u00e1kazn\u00edk vyzv\u00e1n k potvrzen\u00ed transakce ve sv\u00e9 bankovn\u00ed aplikaci. Jak\u00fdm zp\u016fsobem transakci v bankovnictv\u00ed z\u00e1kazn\u00edk ov\u011b\u0159\u00ed z\u00e1le\u017e\u00ed na bance. M\u016f\u017ee se jednat o otisk prstu, zad\u00e1n\u00ed p\u0159ihl\u00e1\u0161ovac\u00edch \u00fadaj\u016f do bankovnictv\u00ed nebo zad\u00e1n\u00ed hesla. <\/p>\n\n\n\n
Pokud m\u00e1 z\u00e1kazn\u00edk v mobilu nainstalovanou bankovn\u00ed aplikaci, odpad\u00e1 nutnost zad\u00e1vat SMS k\u00f3d nebo tzv. ePIN. Jedn\u00e1 se vlastn\u011b o jednodu\u0161\u0161\u00ed variantu ov\u011b\u0159en\u00ed, kter\u00e9 si slibuje v\u00edce dokon\u010den\u00fdch plateb ne\u017e ePIN. <\/p>\n\n\n\n
Nejv\u00edce transakc\u00ed p\u0159es bankovn\u00ed aplikaci se vyskytovalo v p\u0159\u00edpad\u011b UniCredit Bank, kde t\u00edmto zp\u016fsobem prob\u011bhlo 99 % plateb. Nejm\u00e9n\u011b transakc\u00ed ov\u011b\u0159en\u00fdch v aplikaci nastalo u mBank, a to konkr\u00e9tn\u011b 0,1 %. <\/p>\n\n\n\n
\n\n
\n\t \nBanka<\/th> Po\u010det plateb ov\u011b\u0159en\u00fdch v bankovn\u00ed aplikaci<\/th>\n<\/tr>\n<\/thead>\n \n\t Revolut v \u010cR<\/td> 100,00 %<\/td>\n<\/tr>\n \n\t UniCredit Bank <\/td> 99,91 % <\/td>\n<\/tr>\n \n\t Komer\u010dn\u00ed banka<\/td> 96,90 %<\/td>\n<\/tr>\n \n\t Twisto<\/td> 88,29 %<\/td>\n<\/tr>\n \n\t Air bank<\/td> 85,91 %<\/td>\n<\/tr>\n \n\t Raiffeisen bank <\/td> 74,77 %<\/td>\n<\/tr>\n \n\t Equa bank<\/td> 49,29 %<\/td>\n<\/tr>\n \n\t Moneta Money Bank <\/td> 33,31 %<\/td>\n<\/tr>\n \n\t \u010cesk\u00e1 spo\u0159itelna<\/td> 24,17 %<\/td>\n<\/tr>\n \n\t \u010cSOB<\/td> 21,45 %<\/td>\n<\/tr>\n \n\t Fio banka<\/td> 11,64 % <\/td>\n<\/tr>\n \n\t mBank<\/td> 0,10 %<\/td>\n<\/tr>\n \n\t \u010cR celkem<\/strong><\/td> 49,04 %<\/td>\n<\/tr>\n \n\t Evropa celkem<\/strong><\/td> 47,68 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n Kolik procent plateb je ov\u011b\u0159ov\u00e1no kombinac\u00ed SMS k\u00f3d + ePIN?<\/h2>\n\n\n\n
Nejv\u011bt\u0161\u00ed pod\u00edl kombinace SMS k\u00f3d + ePIN jsme vysledovali u Fio banky. Zde ov\u011b\u0159en\u00ed skrz SMS prob\u00edh\u00e1 a\u017e u 88 procent\u016f plateb. Naopak nejni\u017e\u0161\u00ed pod\u00edl t\u00e9to kombinace m\u00e1 s 3 procenty Komer\u010dn\u00ed banka. <\/p>\n\n\n\n
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\n\t \nBanka<\/th> Po\u010det plateb ov\u011b\u0159en\u00fdch kombinac\u00ed SMS a ePIN<\/th>\n<\/tr>\n<\/thead>\n \n\t Revolut v \u010cR<\/td> 0,00 %<\/td>\n<\/tr>\n \n\t UniCredit Bank <\/td> 0,09 %<\/td>\n<\/tr>\n \n\t Komer\u010dn\u00ed banka<\/td> 3,10 %<\/td>\n<\/tr>\n \n\t Twisto<\/td> 11,71 %<\/td>\n<\/tr>\n \n\t Air bank <\/td> 14,09 %<\/td>\n<\/tr>\n \n\t Raiffeisen bank <\/td> 25,23 %<\/td>\n<\/tr>\n \n\t Equa bank <\/td> 50,71 %<\/td>\n<\/tr>\n \n\t Moneta Money Bank <\/td> 66,69 %<\/td>\n<\/tr>\n \n\t \u010cSOB<\/td> 78,55 %<\/td>\n<\/tr>\n \n\t \u010cesk\u00e1 spo\u0159itelna <\/td> 75,83 %<\/td>\n<\/tr>\n \n\t Fio banka<\/td> 88,36 %<\/td>\n<\/tr>\n \n\t mBank <\/td> 99,90 %<\/td>\n<\/tr>\n \n\t \u010cR celkem<\/strong><\/td> 50,96 %<\/td>\n<\/tr>\n \n\t Evropa celkem<\/strong><\/td> 52,32 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n Jak je to v Evrop\u011b?<\/h2>\n\n\n\n
V\u00fd\u0161e zm\u00edn\u011bn\u00e1 data se vztahuj\u00ed pouze k \u010cesk\u00e9 republice. Kdy\u017e se ale pod\u00edv\u00e1me na data do zahrani\u010d\u00ed, konkr\u00e9tn\u011b zem\u00ed Evropsk\u00e9 unie, pro n\u011b\u017e je siln\u00e9 ov\u011b\u0159en\u00ed tak\u00e9 povinn\u00e9, vid\u00edme, \u017ee jsme na tom zhruba stejn\u011b. Celkov\u00e1 \u00fasp\u011b\u0161nost 3D Secure 2.0 v \u010cech\u00e1ch dosahuje 92 procent, v EU 91 procent. <\/p>\n\n\n\n
M\u00e1 nov\u00fd zp\u016fsob ov\u011b\u0159en\u00ed dopad na konverze plateb?<\/h2>\n\n\n\n
Jak je vid\u011bt, ano i ne. V\u017edy z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00ed bance a zp\u016fsobu ov\u011b\u0159en\u00ed, pop\u0159\u00edpad\u011b na tom, jak moc je na nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed z\u00e1kazn\u00edk zvykl\u00fd. Jednozna\u010dn\u011b budou nast\u00e1vat komplikace v situac\u00edch, kdy z\u00e1kazn\u00edk nem\u00e1 aplikaci banky v mobilu, pop\u0159\u00edpad\u011b nevlastn\u00ed chytr\u00fd telefon a je vyzv\u00e1n k zad\u00e1n\u00ed ePINu. Z\u00e1kazn\u00edk toti\u017e nemus\u00ed sv\u016fj ePIN zn\u00e1t, pravd\u011bpodobn\u011b o n\u011bm nikdy nesly\u0161el a ani nev\u00ed, kde jej hledat. Z\u00e1le\u017e\u00ed tak\u00e9 na tom, jak t\u00e9ma nov\u00fdch zp\u016fsob\u016f ov\u011b\u0159en\u00ed banky sv\u00fdm klient\u016fm odkomunikovaly a jak sv\u00e9 klienty p\u0159ipravily. <\/p>\n\n\n\n
\u017d\u00e1dn\u00e1 pohroma co do po\u010dtu ov\u011b\u0159en\u00fdch plateb se v\u0161ak nekon\u00e1. \u010ce\u0161t\u00ed z\u00e1kazn\u00edci p\u0159echod na nov\u00e9 zp\u016fsoby ov\u011b\u0159en\u00ed zvl\u00e1dli dob\u0159e a je jen ot\u00e1zkou \u010dasu, kdy se postupn\u011b adaptuj\u00ed i ti, co platby ov\u011b\u0159uj\u00ed kombinac\u00ed ePIN + SMS k\u00f3d. <\/p>\n\n\n\n
Pokud na va\u0161em e-shopu pozorujete n\u011bjak\u00e9 procento nedokon\u010den\u00fdch plateb kartou, vedle probl\u00e9m\u016f s nov\u00fdm zp\u016fsobem ov\u011b\u0159en\u00ed se s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed bude jednat o probl\u00e9my s kartou z\u00e1kazn\u00edka – nepovolen\u00e9 internetov\u00e9 platby, nedostatek financ\u00ed na \u00fa\u010dtu, \u0161patn\u011b zadan\u00e9 \u00fadaje, a dal\u0161\u00ed. Ur\u010dit\u011b nepanika\u0159te a vyu\u017eijte mo\u017enosti zasl\u00e1n\u00ed dodate\u010dn\u00e9ho odkazu na platbu. V p\u0159\u00edpad\u011b ne\u00fasp\u011b\u0161n\u00e9 platby m\u016f\u017eete z\u00e1kazn\u00edk\u016fm poslat automatick\u00fd e-mail s odkazem na dodate\u010dnou platbu. N\u00e1vod, jak to ud\u011blat, najdete v na\u0161em \u010dl\u00e1nku Jak funguj\u00ed platby p\u0159es odkaz<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"
- Vlastnictv\u00ed <\/strong>\u2013 n\u011bco, co vlastn\u00ed, nap\u0159. telefon, chytr\u00e9 hodinky<\/li>\n\n\n\n