{"id":6178,"date":"2019-06-21T00:00:00","date_gmt":"2019-06-20T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/co-maju-spolocne-norsko-a-cina-v-oboch-krajinach-uz-takmer-nezaplatite-hotovostou\/"},"modified":"2019-06-21T00:00:00","modified_gmt":"2019-06-20T23:00:00","slug":"co-maju-spolocne-norsko-a-cina-v-oboch-krajinach-uz-takmer-nezaplatite-hotovostou","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/co-maju-spolocne-norsko-a-cina-v-oboch-krajinach-uz-takmer-nezaplatite-hotovostou\/","title":{"rendered":"\u010co maj\u00fa spolo\u010dn\u00e9 N\u00f3rsko a\u00a0\u010c\u00edna? V\u00a0oboch krajin\u00e1ch u\u017e takmer nezaplat\u00edte hotovos\u0165ou."},"content":{"rendered":"

D\u00e1 sa poveda\u0165, \u017ee obe krajiny sa od seba l\u00ed\u0161ia, tak ako je to len mo\u017en\u00e9. Prv\u00e1 z\u00a0nich, N\u00f3rsko, m\u00e1 ekonomiku postaven\u00fa na v\u00fdvoze ropy, k\u00fdm t\u00e1 druh\u00e1, \u010c\u00edna, mus\u00ed kv\u00f4li absencii pr\u00edrodn\u00e9ho bohatstva takmer v\u0161etku ropu dov\u00e1\u017ea\u0165.<\/p>\n

N\u00f3rsko je pr\u00edkladom krajiny s\u00a0funguj\u00facim a pevn\u00fdm demokratick\u00fdm syst\u00e9mom, k\u00fdm \u010c\u00edna sa hrdo hl\u00e1si k \u201esocializmu s\u00a0\u010d\u00ednskymi charakteristikami\u201c.<\/p>\n

Aj napriek t\u00fdmto z\u00e1sadn\u00fdm rozdielom, obe krajiny sp\u00e1ja pokrok, ktor\u00fd dosiahli v\u00a0bezhotovostn\u00fdch platb\u00e1ch. Obe maj\u00fa ve\u013emi bl\u00edzko k\u00a0zbaveniu sa akejko\u013evek potreby pou\u017e\u00edva\u0165 hotovos\u0165.<\/p>\n

V\u00a0N\u00f3rsku darujete u\u017e aj pr\u00edspevok miestnemu kostolu cez mobiln\u00fa aplik\u00e1ciu <\/b><\/h3>\n

Od N\u00f3rska ako vyspelej rozvinutej krajiny by sa dalo o\u010dak\u00e1va\u0165, \u017ee bezhotovostn\u00e9 platenie by nemalo by\u0165 probl\u00e9mom. Roz\u0161\u00edren\u00e9 je pou\u017e\u00edvanie debetn\u00fdch a\u00a0kreditn\u00fdch kariet, bezhotovostn\u00fdm platb\u00e1m<\/strong> v\u0161ak dominuje platforma Vipps, <\/strong>ktor\u00e1 umo\u017e\u0148uje prij\u00edma\u0165 finan\u010dn\u00e9 prostriedky od rodiny a priate\u013eov, dary alebo ak\u00e9ko\u013evek platby na z\u00e1klade toho, \u017ee platite\u013e zad\u00e1 do aplik\u00e1cie va\u0161e telef\u00f3nne \u010d\u00edslo, ktor\u00e9 je sp\u00e1rovan\u00e9 s\u00a0va\u0161\u00edm bankov\u00fdm \u00fa\u010dtom. Nev\u00fdhodou slu\u017eby v\u0161ak je, \u017ee ju m\u00f4\u017eu vyu\u017e\u00edva\u0165 iba osoby s\u00a0bankov\u00fdm \u00fa\u010dtom v\u00a0ktorejko\u013evek z\u00a0n\u00f3rskych b\u00e1nk.<\/p>\n

K\u00fdm na Slovensku sa podobn\u00e1 iniciat\u00edva ve\u013emi neuchytila, v\u00a0N\u00f3rsku sa te\u0161\u00ed extr\u00e9mnemu \u00faspechu u\u017e od roku 2015. Vyu\u017e\u00edvaj\u00fa ju tam v\u0161etky vekov\u00e9 kateg\u00f3rie. Aplik\u00e1cia je pohodln\u00e1 napr\u00edklad ke\u010f sa potrebujete vyrovna\u0165 s\u00a0priate\u013emi za nak\u00fapen\u00e9 ob\u010derstvenie alebo zaplaten\u00e9 ubytovanie. Pri Vipps nemus\u00edte zad\u00e1va\u0165 prevodov\u00fd pr\u00edkaz a\u00a0\u010daka\u0165 na spracovanie transakcie, sta\u010d\u00ed pozna\u0165 pr\u00edjemcove telef\u00f3nne \u010d\u00edslo.<\/p>\n

Pravdepodobne ste si pr\u00e1ve povedali, \u017ee nejde a\u017e o\u00a0tak ve\u013emi prevratn\u00fd vyn\u00e1lez. Rozsah jeho aplikovate\u013enosti v\u00a0spolo\u010dnosti s\u00a0tak vysokou mierou d\u00f4very medzi \u013eu\u010fmi, ak\u00fa m\u00e1 N\u00f3rsko, v\u0161ak dok\u00e1\u017ee prekvapi\u0165.<\/p>\n

\u00dasmevn\u00fa situ\u00e1ciu som za\u017eila po\u010das krstu nov\u00fdch pr\u00edrastkov do mojej n\u00f3rskej rodiny. V\u00a0protestantskom kostole v\u00a0malom meste\u010dku na juhu N\u00f3rska s\u00a0pribli\u017ene 4\u00a0600 obyvate\u013emi u\u017e tradi\u010dn\u00e9 zbieranie pr\u00edspevkov na chod farnosti do kasi\u010dky dop\u013a\u0148a mo\u017enos\u0165 zasla\u0165 finan\u010dn\u00fd dar prevodom cez aplik\u00e1ciu Vipps. V\u00a0spolo\u010dnosti, v\u00a0ktorej u\u017e takmer nikto nenos\u00ed hotovos\u0165, farnos\u0165 za \u00fa\u010delom vlastnej z\u00e1chrany musela \u201enasko\u010di\u0165\u201c na spolo\u010densk\u00fd trend a\u00a0umo\u017eni\u0165 bezhotovostn\u00e9 zasielanie finan\u010dn\u00fdch prostriedkov.<\/p>\n

Najv\u00e4\u010d\u0161\u00ed \u0161ok<\/strong> som zatia\u013e v\u00a0N\u00f3rsku oh\u013eadom platenia za\u017eila v\u00a0dedink\u00e1ch pri fjordoch lokalizovan\u00fdch na z\u00e1pade krajiny. Ke\u010f sme s\u00a0partnerom prech\u00e1dzali popri dia\u013enici smeruj\u00facej do tejto oblasti, up\u00fatali ma st\u00e1nky s\u00a0dom\u00e1cim ovoc\u00edm, zeleninou, mu\u0161tami a\u00a0podobn\u00fdmi produktmi, pri\u010dom ani pri jednom z\u00a0nich nest\u00e1l predajca<\/strong>. Pri\u0161lo to zvl\u00e1\u0161tne iba mne, partner iba skon\u0161tatoval, \u017ee \u013eudia s\u00fa drah\u00ed a\u00a0st\u00e1tie pri st\u00e1nku je neefekt\u00edvny sp\u00f4sob tr\u00e1venia \u010dasu. Vysvetlil, \u017ee predajcovia rad\u0161ej umiestnia ved\u013ea tovaru papier obsahuj\u00faci inform\u00e1ciu o\u00a0jeho cene a\u00a0o\u00a0telef\u00f3nnom \u010d\u00edsle predajcu, na ktor\u00fd m\u00f4\u017ee kupuj\u00faci zasla\u0165 platbu prostredn\u00edctvom aplik\u00e1cie Vipps.<\/p>\n

Rovnak\u00e1 situ\u00e1cia n\u00e1s \u010dakala po ubytovan\u00ed sa v\u00a0jednej z\u00a0ded\u00edn umiestnen\u00fdch pozd\u013a\u017e fjordov. V\u00a0dedin\u00e1ch boli v\u0161etky st\u00e1nky s\u00a0dom\u00e1cou produkciou bez \u013eud\u00ed<\/strong>, n\u00e1kup je mo\u017en\u00fd iba prostredn\u00edctvom u\u017e spom\u00ednanej aplik\u00e1cie.<\/p>\n

\n

Fotka: Ceny tovaru a\u00a0\u010d\u00edslo, na ktor\u00e9 je potrebn\u00e9 posla\u0165 finan\u010dn\u00e9 prostriedky pri ich k\u00fape<\/p>\n

Nedalo mi nezamyslie\u0165 sa nad t\u00fdm, za ko\u013eko rokov bude mentalita \u013eud\u00ed na Slovensku na takej \u00farovni, aby ko\u0161\u00edky nezostali pr\u00e1zdne bez toho aby predajcovi pri\u0161li zodpovedaj\u00face platby za tovar.<\/p>\n

\n

V\u00a0\u010c\u00edne platia hotovos\u0165ou u\u017e iba cudzinci<\/b><\/h3>\n

Ke\u010f som do \u010c\u00edny pri\u0161la prv\u00fdkr\u00e1t v\u00a0roku 2014, cel\u00fd polrok m\u00f4jho \u0161t\u00fadia som str\u00e1vila platen\u00edm hotovos\u0165ou. Platobn\u00e9 karty v\u00a0krajine v\u00a0tom \u010dase takmer nikto nepou\u017e\u00edval a\u00a0alternat\u00edvne mo\u017enosti platenia v\u00f4bec neexistovali.<\/p>\n

V\u00a0roku 2019 prebieha u\u017e preva\u017en\u00e1 v\u00e4\u010d\u0161ina platieb bezhotovostnou formou prostredn\u00edctvom platforiem Alipay a\u00a0WeChat<\/strong>. Plati\u0165 cez tieto aplik\u00e1cie be\u017ene vidie\u0165 aj 80-ro\u010dn\u00e9 d\u00f4chodkyne, ktor\u00e9 nemaj\u00fa \u017eiadny probl\u00e9m so skenovan\u00edm QR k\u00f3dov na svojich najnov\u0161\u00edch iPhonoch. Pre n\u00e1s nepredstavite\u013en\u00e9, pre \u010c\u00ed\u0148anov, dokonca aj t\u00fdch z\u00a0najod\u013eahlej\u0161\u00edch oblast\u00ed, je to v\u0161ak ka\u017edodenn\u00e1 realita.<\/p>\n

\n

Drobn\u00e9 ob\u010derstvenie z\u00a0n\u00e1pojov\u00fdch automatov, l\u00edstky na metro, tax\u00edk, \u010di ovocie na miestnom trhu, to v\u0161etko si v\u00a0\u010c\u00edne k\u00fapite cez QR k\u00f3d<\/strong>. Ke\u010f som na po\u0161te v\u00a0\u010c\u00edne posielala bal\u00edk na Slovensko, predo mnou v\u00a0rade st\u00e1l Ameri\u010dan, ktor\u00fd sa sna\u017eil ne\u00faspe\u0161ne zaplati\u0165 hotovos\u0165ou. Po takmer polhodinovej snahe predava\u010dky z\u00edska\u0165 od okolit\u00fdch obchodn\u00edkov dostatok hotovosti na v\u00fddavok z\u00e1kazn\u00edkovi, ho predava\u010dka s\u00a0ve\u013ek\u00fdm ospravedlnen\u00edm poslala domov, s\u00a0t\u00fdm, \u017ee nem\u00e1 hotovos\u0165, nako\u013eko jej \u0148ou u\u017e nikto cel\u00e9 t\u00fd\u017edne nezaplatil.<\/p>\n

\n

Fotka: pou\u017e\u00edvate\u013esk\u00e9 rozhranie platformy WeChat<\/span><\/p>\n

V\u00a0platen\u00ed bezhotovostne s\u00fa \u010c\u00ed\u0148ania svetov\u00fdmi priekopn\u00edkmi<\/strong>, platobn\u00e9 karty sa tu ale nikdy neuchytili a\u00a0\u010c\u00edna ich pou\u017e\u00edvanie vlastne \u00faplne presko\u010dila. Bankomaty sa st\u00e1vaj\u00fa \u010doraz nepotrebnej\u0161ie a\u00a0doch\u00e1dza k\u00a0ich postupn\u00e9mu odstra\u0148ovaniu.<\/p>\n

\u010c\u00edna ale zach\u00e1dza e\u0161te \u010falej a\u00a0rozsiahlo zav\u00e1dza syst\u00e9m platenia prostredn\u00edctvom technol\u00f3gie rozpozn\u00e1vania tv\u00e1re<\/strong>. V\u00a0mnoh\u00fdch supermarketoch v\u00a0\u010c\u00edne je u\u017e mo\u017en\u00e9 zaplati\u0165 iba t\u00fdm, \u017ee prejdete cez termin\u00e1l, ktor\u00fd V\u00e1m nasn\u00edma tv\u00e1r.<\/p>\n

N\u00e1sledne prirad\u00ed va\u0161u tv\u00e1r k va\u0161ej identite a\u00a0bankov\u00e9mu \u00fa\u010dtu, sp\u00e1ruje platbu a\u00a0vy odch\u00e1dzate za menej ako min\u00fatu so zaplaten\u00fdm tovarom. Technol\u00f3giu u\u017e za\u010dali testova\u0165 aj v\u00a0metre v\u00a0meste Shenzhen, kde \u013eu\u010fom pri prejden\u00ed cez termin\u00e1l na rozpoznanie tv\u00e1re\u00a0automaticky stiahne z\u00a0\u00fa\u010dtu platby za cestovn\u00e9 l\u00edstky.<\/p>\n

Spom\u00ednan\u00e9 platenie\u00a0cez rozpoznanie tv\u00e1re je zatia\u013e mo\u017en\u00e9 iba pre \u010d\u00ednske obyvate\u013estvo. Cudzinci sa musia spolieha\u0165 na to, \u017ee im prinesen\u00fa hotovos\u0165 akceptuje nejak\u00fd dobrosrde\u010dn\u00fd obchodn\u00edk. T\u00ed \u0161\u0165astnej\u0161\u00ed maj\u00fa v\u00a0\u010c\u00edne \u010d\u00ednsky bankov\u00fd \u00fa\u010det, ktor\u00fd im umo\u017e\u0148uje realizova\u0165 platby prostredn\u00edctvom skenovania QR k\u00f3dov cez aplik\u00e1ciu WeChat tak ako dom\u00e1cemu obyvate\u013estvu. Z\u00edska\u0165 tak\u00fdto \u00fa\u010det je ale pre cudzinca v\u00a0\u010c\u00edne ve\u013emi n\u00e1ro\u010dn\u00e9 a\u00a0je prakticky nemo\u017en\u00e9 ho z\u00edska\u0165 na turistick\u00e9 v\u00edza.<\/p>\n

Po n\u00e1vrate z\u00a0\u010c\u00edny si v\u017edy z\u00fafam, \u017ee sa pri niektor\u00fdch drobn\u00fdch platb\u00e1ch na Slovensku nezaob\u00eddem bez hotovosti. Syst\u00e9m, na ktor\u00fd som zvyknut\u00e1 v\u00a0\u010c\u00edne, v\u00a0ktorom cez jednu platformu zaplat\u00edm \u00fa\u010det za energie, mobiln\u00fd telef\u00f3n, objedn\u00e1m a\u00a0zaplat\u00edm tax\u00edk, zabezpe\u010d\u00edm a\u00a0zaplat\u00edm oprav\u00e1ra do domu a\u00a0desiatky \u010fal\u0161\u00ed z\u00e1le\u017eitost\u00ed, je extr\u00e9mne pohodln\u00fd. Des\u00ed ma na \u0148om ale to, \u017ee v\u0161etky inform\u00e1cie o\u00a0mojej online aktivite (priate\u013eoch, kontaktoch, hist\u00f3rie prehliadania ako aj moje kompletn\u00e9 n\u00e1kupn\u00e9 spr\u00e1vanie) kon\u010d\u00ed u\u00a0jednej spolo\u010dnosti (resp. dvoch, ak vyu\u017eijem obe dostupn\u00e9 platformy), ktor\u00e9 tieto inform\u00e1cie poskytuj\u00fa \u010d\u00ednskej vl\u00e1de<\/strong>.<\/p>\n

Je mo\u017en\u00e9 argumentova\u0165, \u017ee aj v\u00a0podmienkach Slovenska si v\u010faka vernostn\u00fdm kart\u00e1m a\u00a0bezhotovostn\u00fdm platb\u00e1m dok\u00e1\u017eu obchodn\u00edci a\u00a0banky vysklada\u0165 o\u00a0u\u017e\u00edvate\u013eoch celkom obsiahly u\u017e\u00edvate\u013esk\u00fd profil, d\u00f4le\u017eit\u00fdm rozdielom je ale to, \u017ee tieto inform\u00e1cie priamo nevstupuj\u00fa do ofici\u00e1lneho registra, ktor\u00fd ich dok\u00e1\u017ee vyu\u017ei\u0165 na to, aby kontroloval na\u0161e osobn\u00e9 \u017eivoty.<\/p>\n

Som z\u00e1stancom bezhotovostn\u00fdch platieb,<\/strong> nako\u013eko ver\u00edm, \u017ee prispievaj\u00fa k\u00a0zvy\u0161ovaniu pohodlia a\u00a0kvality \u017eivota. Je ale potrebn\u00e9 zabezpe\u010di\u0165 stav, v\u00a0ktorom neza\u010dn\u00fa vpl\u00fdva\u0165 na ich zhor\u0161ovanie. Rovnov\u00e1ha je ve\u013emi d\u00f4le\u017eit\u00e1.<\/p>","protected":false},"excerpt":{"rendered":"

V\u00a0\u010c\u00edne platia hotovos\u0165ou u\u017e iba cudzinci, platobn\u00e9 karty sa tu ale nikdy neuchytili.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-6178","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6178","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=6178"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6178\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}