{"id":399435,"date":"2019-05-28T08:25:24","date_gmt":"2019-05-28T06:25:24","guid":{"rendered":"https:\/\/hudo.com\/si\/2019\/05\/28\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/"},"modified":"2019-05-28T08:25:24","modified_gmt":"2019-05-28T06:25:24","slug":"slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/","title":{"rendered":"Slovenske banke uvajajo nov na\u010din pla\u010devanja s pametnim telefonom"},"content":{"rendered":"<figure>\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"660\" height=\"320\" src=\"image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><figcaption>foto:Profimedia<\/figcaption><\/figure>\n<p>Sistem, ki naj bi za\u017eivel do jeseni, banke razvijajo v sodelovanju z Bankartom, ta pa v sodelovanju z dansko dru\u017ebo Nets, ki ponuja tovrstne re\u0161itve na Danskem in v Italiji. Ob uvedbi najprej pla\u010dila med ra\u010duni fizi\u010dnih oseb bo znesek omejen na 15.000 evrov.<\/p>\n<h2>Transakcije se bodo bele\u017eile tudi izven delovnega \u010dasa bank<\/h2>\n<p>Za delovanje sheme je treba ustvariti nov medban\u010dni pla\u010dilni sistem. Zdaj se doma\u010de transakcije do zneska 50.000 evrov poravnavajo na pribli\u017eno vsaki dve uri na ban\u010dne delovne dneve, v shemi Flik pa bo poravnava med bankama stekla za vsako transakcijo nekaj sekund po vnesenem zahtevku za pla\u010dilo in prek vsega dneva ter vse dni, torej tudi pono\u010di, med koncem tedna in med prazniki.<\/p>\n<p>Cenovni model pla\u010dil Flik je v pripravi, \u010dasnik pa neuradno navaja, da bodo stro\u0161ki prenosa sredstev med fizi\u010dnimi osebami razmeroma nizki, neomejeno \u0161tevilo tovrstnih brezpla\u010dnih transakcij bo pri nekaterih bankah vklju\u010deno v dra\u017eje ban\u010dne pakete. Pla\u010devanje z mobilno aplikacijo pravnim osebam bo za fizi\u010dne osebe brezpla\u010dno, trgovci pa bodo podobno kot zdaj pri pla\u010dilnih karticah pla\u010dali nadomestilo.<\/p>\n<p>V shemi Flik razvijajo razli\u010dico pla\u010dila P2P (Person to Person) za takoj\u0161nje pla\u010dilo med fizi\u010dnima osebama prek kontaktnih podatkov v imeniku mobilnega telefona in P2M (Person to Merchant) za takoj\u0161nje pla\u010dilo na terminalu POS ali prek mobilne aplikacije trgovca, kjer fizi\u010dna oseba pla\u010duje trgovcu na prodajnem mestu. Na\u010drtuje pa se tudi P2Em (Person to eMerchant) za takoj\u0161njega pla\u010dila v spletni trgovini, pri katerem fizi\u010dna oseba pla\u010duje trgovcu.<\/p>\n<p>Banke morajo skladno z zakonom o pla\u010dilnih storitvah in regulatornimi tehni\u010dnimi standardi v vseh ban\u010dnih kanalih zagotoviti zahtevano raven varnosti. Posameznik bo po pisanju \u010dasnika v mobilno aplikacijo lahko vstopal z geslom, prstnim odtisom oz. senzorji za prepoznavanje obraza, \u010de bo njegov telefon to podpiral.<\/p>\n<p>Novo pla\u010dilno sredstvo bo nadome\u0161\u010dalo predvsem gotovino in dvige na bankomatih, vplivalo pa bo tudi na karti\u010dno pla\u010devanje. Prednosti so pla\u010dilo iz telefonskega imenika uporabnika, brez \u0161tevilke IBAN, takoj\u0161nje pla\u010dilo in priro\u010dnost pla\u010devanja, \u0161e navajajo Finance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Slovenske banke razvijajo nacionalno shemo za takoj\u0161nja pla\u010dila z imenom Flik, ki bo komitentom omogo\u010dal takoj\u0161njo poravnavo. Banke jo bodo omogo\u010dale v posebni aplikaciji ali v mobilni banki oz. mobilni denarnici ali prek spletne banke, poro\u010danje \u010dasnika Finance povzema STA.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1091],"tags":[2099,1595],"source":[1522,1518,1527],"supertag":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Slovenske banke uvajajo nov na\u010din pla\u010devanja s pametnim telefonom - Hudo Slovenija<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Slovenske banke uvajajo nov na\u010din pla\u010devanja s pametnim telefonom - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Slovenske banke razvijajo nacionalno shemo za takoj\u0161nja pla\u010dila z imenom Flik, ki bo komitentom omogo\u010dal takoj\u0161njo poravnavo. Banke jo bodo omogo\u010dale v posebni aplikaciji ali v mobilni banki oz. mobilni denarnici ali prek spletne banke, poro\u010danje \u010dasnika Finance povzema STA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/\" \/>\n<meta property=\"og:site_name\" content=\"Hudo Slovenija\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hudo.si\" \/>\n<meta property=\"article:published_time\" content=\"2019-05-28T06:25:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2019\/05\/profimedia-0340683171.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"833\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"hudo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@hudo_si\" \/>\n<meta name=\"twitter:site\" content=\"@hudo_si\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"hudo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/\"},\"author\":{\"name\":\"hudo\",\"@id\":\"https:\/\/hudo.com\/si\/#\/schema\/person\/601cf3379633985b20f7e50f2bb47707\"},\"headline\":\"Slovenske banke uvajajo nov na\u010din pla\u010devanja s pametnim telefonom\",\"datePublished\":\"2019-05-28T06:25:24+00:00\",\"dateModified\":\"2019-05-28T06:25:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/\"},\"wordCount\":387,\"publisher\":{\"@id\":\"https:\/\/hudo.com\/si\/#organization\"},\"keywords\":[\"mobilna aplikacija\",\"Slovenija\"],\"articleSection\":[\"Lifestyle\"],\"inLanguage\":\"sl-SI\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/\",\"url\":\"https:\/\/hudo.com\/si\/lifestyle\/slovenske-banke-uvajajo-nov-nacin-placevanja-s-pametnim-telefonom\/\",\"name\":\"Slovenske banke uvajajo nov na\u010din pla\u010devanja s pametnim telefonom - 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