{"id":679,"date":"2025-04-03T14:17:21","date_gmt":"2025-04-03T14:17:21","guid":{"rendered":"https:\/\/www.moore-czech.cz\/?p=679"},"modified":"2026-02-27T10:45:11","modified_gmt":"2026-02-27T10:45:11","slug":"vztah-mezi-klientem-a-financni-instituci-posiluji-digitalni-procesy-i-digitalni-penize","status":"publish","type":"post","link":"https:\/\/www.moore-czech.cz\/en\/vztah-mezi-klientem-a-financni-instituci-posiluji-digitalni-procesy-i-digitalni-penize\/","title":{"rendered":"Vztah mezi klientem a\u00a0finan\u010dn\u00ed instituc\u00ed\u00a0posiluj\u00ed digit\u00e1ln\u00ed procesy i digit\u00e1ln\u00ed pen\u00edze\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>Jak&nbsp;prohloubit d\u016fv\u011bru&nbsp;retailov\u00e9 klientely&nbsp;ve finan\u010dn\u00ed&nbsp;instituce?&nbsp;S\u202fodpov\u011bd\u00ed na tuto ot\u00e1zku&nbsp;pom\u00e1haj\u00ed&nbsp;i&nbsp;zku\u0161enosti a p\u0159\u00edstupy&nbsp;z\u202fjin\u00fdch&nbsp;trh\u016f.&nbsp;Nap\u0159\u00edklad britsk\u00fd&nbsp;finan\u010dn\u00ed sektor se moment\u00e1ln\u011b s\u017e\u00edv\u00e1 s\u202fnov\u00fdmi pravidly,&nbsp;kter\u00e1&nbsp;maj\u00ed spot\u0159ebitel\u016fm&nbsp;p\u0159in\u00e9st&nbsp;je\u0161t\u011b v\u011bt\u0161\u00ed ochranu.&nbsp;Spole\u010dnosti&nbsp;nab\u00edzej\u00edc\u00ed&nbsp;finan\u010dn\u00ed slu\u017eby tak musej\u00ed&nbsp;p\u0159er\u00e1movat&nbsp;n\u011bkter\u00e1 dosavadn\u00ed&nbsp;nastaven\u00ed&nbsp;a upravit produktovou nab\u00eddku.&nbsp;A to i\u202fza\u202fasistence&nbsp;samotn\u00fdch z\u00e1kazn\u00edk\u016f a s\u202fpomoc\u00ed&nbsp;tradi\u010dn\u00edch&nbsp;komunika\u010dn\u00edch&nbsp;i technologicky&nbsp;vysp\u011bl\u00fdch n\u00e1stroj\u016f.&nbsp;Velmi pozorn\u011b to sleduj\u00ed tak\u00e9&nbsp;dal\u0161\u00ed&nbsp;finan\u010dn\u00ed centra sv\u011bta.&nbsp;Situaci v\u202f\u010cesk\u00e9 republice&nbsp;pak&nbsp;ovliv\u0148uj\u00ed regulace&nbsp;v\u202fbankovn\u00edm sektoru Evropsk\u00e9 unie.&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00edlem&nbsp;nov\u011b implementovan\u00fdch&nbsp;ostrovn\u00edch p\u0159edpis\u016f&nbsp;je&nbsp;zajistit&nbsp;jasn\u011bj\u0161\u00ed a vy\u0161\u0161\u00ed standardy&nbsp;z\u00e1kaznick\u00e9 p\u00e9\u010de.&nbsp;Poskytovatel\u00e9 finan\u010dn\u00edch slu\u017eeb&nbsp;proto&nbsp;pot\u0159ebuj\u00ed&nbsp;sv\u00e9 portfolio&nbsp;nastavit zp\u016fsobem,&nbsp;kter\u00fd&nbsp;povede k\u202flep\u0161\u00edmu porozum\u011bn\u00ed nab\u00edzen\u00fdch&nbsp;slu\u017eeb a produkt\u016f&nbsp;a k\u202fprokazateln\u00e9mu jedn\u00e1n\u00ed&nbsp;v\u202fnejlep\u0161\u00edm z\u00e1jmu klienta.&nbsp;<em>\u201eJedn\u00edm&nbsp;z\u202fdopad\u016f tohoto opat\u0159en\u00ed bude v\u011bt\u0161\u00ed zapojen\u00ed samotn\u00fdch spot\u0159ebitel\u016f do&nbsp;n\u00e1vrh\u016f finan\u010dn\u00edch&nbsp;produkt\u016f.&nbsp;Pro finan\u010dn\u00ed spole\u010dnosti to mimo jin\u00e9 znamen\u00e1, \u017ee&nbsp;p\u0159i&nbsp;formov\u00e1n\u00ed&nbsp;po\u017eadovan\u00e9 \u00farovn\u011b spokojenosti a d\u016fv\u011bry se&nbsp;vedle osobn\u00edch sch\u016fzek&nbsp;s\u202flidmi&nbsp;a&nbsp;osv\u011bd\u010den\u00fdch&nbsp;pr\u016fzkum\u016f spokojenosti&nbsp;budou mnohem v\u00edce spol\u00e9hat na&nbsp;zpracov\u00e1n\u00ed obrovsk\u00e9ho mno\u017estv\u00ed ji\u017e existuj\u00edc\u00edch dat.&nbsp;Jedn\u00e1 se o\u202ftechnologickou&nbsp;revoluci, kter\u00e1 zp\u0159es\u0148uje&nbsp;hodnocen\u00ed rizik,\u201c&nbsp;<\/em>\u0159\u00edk\u00e1&nbsp;Ewen&nbsp;Fleming,&nbsp;vedouc\u00ed sektoru finan\u010dn\u00edch slu\u017eeb&nbsp;poradensk\u00e9 s\u00edt\u011b&nbsp;Moore&nbsp;Global.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bez technologi\u00ed&nbsp;a um\u011bl\u00e9 inteligence&nbsp;se neobejdou ani \u010de\u0161t\u00ed poskytovatel\u00e9 finan\u010dn\u00edch slu\u017eeb.&nbsp;<em>\u201ePou\u017e\u00edv\u00e1n\u00ed um\u011bl\u00e9 inteligence&nbsp;(AI)&nbsp;v \u010desk\u00e9m finan\u010dn\u00edm sektoru sice nen\u00ed tak roz\u0161\u00ed\u0159en\u00e9 jako&nbsp;na&nbsp;n\u011bkter\u00fdch vysp\u011blej\u0161\u00edch trz\u00edch, nicm\u00e9n\u011b v&nbsp;Moore&nbsp;Czech Republic jasn\u011b pozorujeme rychl\u00fd n\u00e1r\u016fst jej\u00ed implementace. Banky, poji\u0161\u0165ovny i dal\u0161\u00ed finan\u010dn\u00ed instituce si uv\u011bdomuj\u00ed, \u017ee AI hraje kl\u00ed\u010dovou roli p\u0159i zvy\u0161ov\u00e1n\u00ed konkurenceschopnosti, zlep\u0161ov\u00e1n\u00ed z\u00e1kaznick\u00e9 zku\u0161enosti a \u0159\u00edzen\u00ed rizik,\u201c<\/em>&nbsp;vysv\u011btluje Ond\u0159ej Hlav\u00e1\u010dek,&nbsp;senior konzultant&nbsp;Moore&nbsp;Czech Republic, kter\u00fd se zam\u011b\u0159uje&nbsp;na um\u011blou inteligenci a jej\u00ed implementaci do \u010dinnosti firem.\u202f&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle n\u011bj se um\u011bl\u00e1 inteligence ve finan\u010dn\u00edm sektoru v \u010cesku vyu\u017e\u00edv\u00e1 p\u0159edev\u0161\u00edm k vyhodnocov\u00e1n\u00ed rizik, optimalizaci portfolia, detekci podvod\u016f, automatizaci rutinn\u00edch proces\u016f \u010di spr\u00e1v\u011b dokument\u016f.&nbsp;M\u00e1 v\u0161ak i dal\u0161\u00ed vyu\u017eit\u00ed.<em>&nbsp;\u201eAI tak\u00e9 slou\u017e\u00ed jako asistent a spolupracovn\u00edk jednotliv\u00fdch zam\u011bstnanc\u016f, se kter\u00fdm mohou konzultovat sv\u00e9 v\u00fdstupy a rozhodnut\u00ed a d\u00edky tomu minimalizovat chybovost a zvy\u0161ovat celkovou produktivitu,\u201c<\/em>&nbsp;dod\u00e1v\u00e1&nbsp;Hlav\u00e1\u010dek.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00edm trendem,&nbsp;na kter\u00fd finan\u010dn\u00ed spole\u010dnosti&nbsp;musej\u00ed reagovat, je&nbsp;pak&nbsp;pohyb \u00farokov\u00fdch sazeb.&nbsp;Kr\u00e1tkodob\u00fd v\u00fdhled p\u0159edpov\u00edd\u00e1 jejich pokles. Z\u202ftoho plyne predikce v\u011bt\u0161\u00edho mno\u017estv\u00ed p\u016fj\u010dek&nbsp;fyzick\u00fdm osob\u00e1m i podnik\u016fm a hospod\u00e1\u0159sk\u00e9ho r\u016fstu.&nbsp;<em>\u201ePro finan\u010dn\u00ed odv\u011btv\u00ed se to jev\u00ed jako&nbsp;skv\u011bl\u00e1&nbsp;zpr\u00e1va, nicm\u00e9n\u011b je&nbsp;dobr\u00e9&nbsp;pod\u00edvat se na&nbsp;to i z\u202fjin\u00e9ho \u00fahlu pohledu. Pravd\u011bpodobn\u00fd je toti\u017e&nbsp;pokles&nbsp;\u010dist\u00e9 \u00farokov\u00e9 mar\u017ee.&nbsp;Ta, pro p\u0159edstavu,&nbsp;byla&nbsp;v\u202f\u010cesk\u00e9&nbsp;republice v\u202froce 2022&nbsp;na \u00farovni&nbsp;2,2 %. P\u0159i srovn\u00e1n\u00ed&nbsp;tuzemsk\u00fdch&nbsp;bank s\u202fostatn\u00edmi bankami v\u202fEvropsk\u00e9 unii je to podle dat Evropsk\u00e9ho org\u00e1nu pro bankovnictv\u00ed&nbsp;nadpr\u016fm\u011brn\u00e1 hodnota.&nbsp;\u00dav\u011bry&nbsp;poskytnut\u00e9 klient\u016fm pak tvo\u0159ily nejv\u011bt\u0161\u00ed \u010d\u00e1st aktiv \u010desk\u00fdch bank, a tento trend p\u0159etrv\u00e1v\u00e1,\u201c&nbsp;<\/em>dopl\u0148uje&nbsp;Martin Buransk\u00fd, partner&nbsp;Moore&nbsp;Advisory CZ.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Obecn\u011b&nbsp;se banky v\u202f\u010cesku t\u011b\u0161\u00ed vysok\u00e9 d\u016fv\u011b\u0159e ve\u0159ejnosti.&nbsp;V\u202fpr\u016fzkumu&nbsp;Garan\u010dn\u00edho syst\u00e9mu finan\u010dn\u00edho trhu z\u202froku 2022 uvedlo 9 z\u202f10 respondent\u016f, \u017ee jim d\u016fv\u011b\u0159uje.&nbsp;Za bankami se um\u00edstily na druh\u00e9m m\u00edst\u011b stavebn\u00ed spo\u0159itelny a na t\u0159et\u00edm penzijn\u00ed spole\u010dnosti.&nbsp;K posilov\u00e1n\u00ed&nbsp;d\u016fv\u011bry mezi finan\u010dn\u00edmi institucemi na stran\u011b jedn\u00e9 a&nbsp;klienty na stran\u011b druh\u00e9&nbsp;p\u0159isp\u00edv\u00e1&nbsp;i&nbsp;evropsk\u00e1&nbsp;sm\u011brnice o smlouv\u00e1ch o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, kter\u00e1&nbsp;odr\u00e1\u017e\u00ed&nbsp;nov\u00e9 produkty v\u202fonline prost\u0159ed\u00ed.&nbsp;\u010ce\u0161t\u00ed z\u00e1konod\u00e1rci by&nbsp;jej\u00edm zaveden\u00edm m\u011bli novelizovat&nbsp;Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Diskutovan\u00fdm t\u00e9matem se z\u00e1rove\u0148 st\u00e1vaj\u00ed digit\u00e1ln\u00ed m\u011bny centr\u00e1ln\u00edch bank.&nbsp;Bahamy, Jamajka nebo&nbsp;Nig\u00e9rie&nbsp;u\u017e je zavedly. Evropsk\u00e1 centr\u00e1ln\u00ed banka&nbsp;vypisuje v\u202fsouvislosti s\u202ftechnick\u00fdm zaji\u0161t\u011bn\u00edm digit\u00e1ln\u00edho eura v\u00fdb\u011brov\u00e9 \u0159\u00edzen\u00ed.&nbsp;<em>\u201eTa idea&nbsp;je&nbsp;takov\u00e1, \u017ee digit\u00e1ln\u00ed euro&nbsp;by m\u011blo stejn\u00e9 v\u00fdhody jako komer\u010dn\u00ed kryptom\u011bny, ov\u0161em bez&nbsp;jejich vysok\u00e9 volatility&nbsp;a bez&nbsp;rizika, \u017ee centr\u00e1ln\u00ed banky zkolabuj\u00ed.&nbsp;Retailov\u00e9 bankovnictv\u00ed&nbsp;m\u016f\u017ee&nbsp;vklady v\u202fdigit\u00e1ln\u00edch m\u011bn\u00e1ch&nbsp;vyu\u017e\u00edvat jako zdroj financov\u00e1n\u00ed, stejn\u011b jako v\u202fp\u0159\u00edpad\u011b tradi\u010dn\u00edch m\u011bn,\u201c&nbsp;<\/em>uzav\u00edr\u00e1&nbsp;Fleming.&nbsp;&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Jak&nbsp;prohloubit d\u016fv\u011bru&nbsp;retailov\u00e9 klientely&nbsp;ve finan\u010dn\u00ed&nbsp;instituce?&nbsp;S\u202fodpov\u011bd\u00ed na tuto ot\u00e1zku&nbsp;pom\u00e1haj\u00ed&nbsp;i&nbsp;zku\u0161enosti a p\u0159\u00edstupy&nbsp;z\u202fjin\u00fdch&nbsp;trh\u016f.&nbsp;Nap\u0159\u00edklad britsk\u00fd&nbsp;finan\u010dn\u00ed sektor se moment\u00e1ln\u011b s\u017e\u00edv\u00e1 s\u202fnov\u00fdmi pravidly,&nbsp;kter\u00e1&nbsp;maj\u00ed spot\u0159ebitel\u016fm&nbsp;p\u0159in\u00e9st&nbsp;je\u0161t\u011b v\u011bt\u0161\u00ed ochranu.&nbsp;Spole\u010dnosti&nbsp;nab\u00edzej\u00edc\u00ed&nbsp;finan\u010dn\u00ed slu\u017eby tak musej\u00ed&nbsp;p\u0159er\u00e1movat&nbsp;n\u011bkter\u00e1 dosavadn\u00ed&nbsp;nastaven\u00ed&nbsp;a upravit produktovou nab\u00eddku.&nbsp;A to i\u202fza\u202fasistence&nbsp;samotn\u00fdch z\u00e1kazn\u00edk\u016f a s\u202fpomoc\u00ed&nbsp;tradi\u010dn\u00edch&nbsp;komunika\u010dn\u00edch&nbsp;i technologicky&nbsp;vysp\u011bl\u00fdch n\u00e1stroj\u016f.&nbsp;Velmi pozorn\u011b to sleduj\u00ed tak\u00e9&nbsp;dal\u0161\u00ed&nbsp;finan\u010dn\u00ed centra sv\u011bta.&nbsp;Situaci v\u202f\u010cesk\u00e9 republice&nbsp;pak&nbsp;ovliv\u0148uj\u00ed regulace&nbsp;v\u202fbankovn\u00edm sektoru Evropsk\u00e9 unie.&nbsp;&nbsp; C\u00edlem&nbsp;nov\u011b implementovan\u00fdch&nbsp;ostrovn\u00edch p\u0159edpis\u016f&nbsp;je&nbsp;zajistit&nbsp;jasn\u011bj\u0161\u00ed a vy\u0161\u0161\u00ed standardy&nbsp;z\u00e1kaznick\u00e9 p\u00e9\u010de.&nbsp;Poskytovatel\u00e9 finan\u010dn\u00edch slu\u017eeb&nbsp;proto&nbsp;pot\u0159ebuj\u00ed&nbsp;sv\u00e9 portfolio&nbsp;nastavit [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":737,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[31],"tags":[],"location":[],"class_list":["post-679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tiskova-zprava"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Vztah mezi klientem a\u00a0finan\u010dn\u00ed instituc\u00ed\u00a0posiluj\u00ed digit\u00e1ln\u00ed procesy i digit\u00e1ln\u00ed pen\u00edze\u00a0 - Moore Czech Republic<\/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:\/\/www.moore-czech.cz\/en\/vztah-mezi-klientem-a-financni-instituci-posiluji-digitalni-procesy-i-digitalni-penize\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vztah mezi klientem a\u00a0finan\u010dn\u00ed instituc\u00ed\u00a0posiluj\u00ed digit\u00e1ln\u00ed procesy i digit\u00e1ln\u00ed pen\u00edze\u00a0 - Moore Czech Republic\" \/>\n<meta property=\"og:description\" content=\"Jak&nbsp;prohloubit d\u016fv\u011bru&nbsp;retailov\u00e9 klientely&nbsp;ve finan\u010dn\u00ed&nbsp;instituce?&nbsp;S\u202fodpov\u011bd\u00ed na tuto ot\u00e1zku&nbsp;pom\u00e1haj\u00ed&nbsp;i&nbsp;zku\u0161enosti a p\u0159\u00edstupy&nbsp;z\u202fjin\u00fdch&nbsp;trh\u016f.&nbsp;Nap\u0159\u00edklad britsk\u00fd&nbsp;finan\u010dn\u00ed sektor se moment\u00e1ln\u011b s\u017e\u00edv\u00e1 s\u202fnov\u00fdmi pravidly,&nbsp;kter\u00e1&nbsp;maj\u00ed spot\u0159ebitel\u016fm&nbsp;p\u0159in\u00e9st&nbsp;je\u0161t\u011b v\u011bt\u0161\u00ed ochranu.&nbsp;Spole\u010dnosti&nbsp;nab\u00edzej\u00edc\u00ed&nbsp;finan\u010dn\u00ed slu\u017eby tak musej\u00ed&nbsp;p\u0159er\u00e1movat&nbsp;n\u011bkter\u00e1 dosavadn\u00ed&nbsp;nastaven\u00ed&nbsp;a upravit produktovou nab\u00eddku.&nbsp;A to i\u202fza\u202fasistence&nbsp;samotn\u00fdch z\u00e1kazn\u00edk\u016f a s\u202fpomoc\u00ed&nbsp;tradi\u010dn\u00edch&nbsp;komunika\u010dn\u00edch&nbsp;i technologicky&nbsp;vysp\u011bl\u00fdch n\u00e1stroj\u016f.&nbsp;Velmi pozorn\u011b to sleduj\u00ed tak\u00e9&nbsp;dal\u0161\u00ed&nbsp;finan\u010dn\u00ed centra sv\u011bta.&nbsp;Situaci v\u202f\u010cesk\u00e9 republice&nbsp;pak&nbsp;ovliv\u0148uj\u00ed regulace&nbsp;v\u202fbankovn\u00edm sektoru Evropsk\u00e9 unie.&nbsp;&nbsp; C\u00edlem&nbsp;nov\u011b implementovan\u00fdch&nbsp;ostrovn\u00edch p\u0159edpis\u016f&nbsp;je&nbsp;zajistit&nbsp;jasn\u011bj\u0161\u00ed a vy\u0161\u0161\u00ed standardy&nbsp;z\u00e1kaznick\u00e9 p\u00e9\u010de.&nbsp;Poskytovatel\u00e9 finan\u010dn\u00edch slu\u017eeb&nbsp;proto&nbsp;pot\u0159ebuj\u00ed&nbsp;sv\u00e9 portfolio&nbsp;nastavit [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.moore-czech.cz\/en\/vztah-mezi-klientem-a-financni-instituci-posiluji-digitalni-procesy-i-digitalni-penize\/\" \/>\n<meta property=\"og:site_name\" content=\"Moore Czech Republic\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-03T14:17:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-27T10:45:11+00:00\" \/>\n<meta property=\"og:image\" 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