[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moneyworld.cz\/5-fintech-trendu-pro-rok-2023\/#Article","mainEntityOfPage":"https:\/\/www.moneyworld.cz\/5-fintech-trendu-pro-rok-2023\/","headline":"5 FinTech trend\u016f pro rok 2023","name":"5 FinTech trend\u016f pro rok 2023","description":"S p\u0159\u00edchodem um\u011bl\u00e9 inteligence se oblast digit\u00e1ln\u00edch technologi\u00ed op\u011bt prom\u011b\u0148uje a dot\u00fdk\u00e1 se i finan\u010dn\u00edch technologi\u00ed. Jak se jej\u00ed pou\u017e\u00edv\u00e1n\u00ed projev\u00ed v bankovnictv\u00ed, co je to BNPL a jak\u00e9 dal\u0161\u00ed trendy m\u016f\u017eete v tomto sektoru b\u011bhem n\u00e1sleduj\u00edc\u00edho roku o\u010dek\u00e1vat? To se dozv\u00edte v tomto \u010dl\u00e1nku. 1. Um\u011bl\u00e1 inteligence a strojov\u00e9 u\u010den\u00ed Nejv\u011bt\u0161\u00edm trendem je v […]","datePublished":"2023-04-19","dateModified":"2023-04-24","author":{"@type":"Person","@id":"https:\/\/www.moneyworld.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.moneyworld.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moneyworld.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneyworld.cz\/wp-content\/uploads\/fintech_kMxA5w.png","url":"https:\/\/moneyworld.cz\/wp-content\/uploads\/fintech_kMxA5w.png","height":"","width":""},"url":"https:\/\/www.moneyworld.cz\/5-fintech-trendu-pro-rok-2023\/","about":["Kryptom\u011bny"],"wordCount":681,"articleBody":"      S p\u0159\u00edchodem um\u011bl\u00e9 inteligence se oblast digit\u00e1ln\u00edch technologi\u00ed op\u011bt prom\u011b\u0148uje a dot\u00fdk\u00e1 se i finan\u010dn\u00edch technologi\u00ed. Jak se jej\u00ed pou\u017e\u00edv\u00e1n\u00ed projev\u00ed v bankovnictv\u00ed, co je to BNPL a jak\u00e9 dal\u0161\u00ed trendy m\u016f\u017eete v tomto sektoru b\u011bhem n\u00e1sleduj\u00edc\u00edho roku o\u010dek\u00e1vat? To se dozv\u00edte v tomto \u010dl\u00e1nku.  1. Um\u011bl\u00e1 inteligence a strojov\u00e9 u\u010den\u00ed Nejv\u011bt\u0161\u00edm trendem je v roce 2023 rozhodn\u011b AI neboli um\u011bl\u00e1 inteligence, kter\u00e1 prosakuje do r\u016fzn\u00fdch obor\u016f. V tom finan\u010dn\u00edm ji za\u010d\u00edn\u00e1 vyhled\u00e1vat \u010d\u00edm d\u00e1l v\u00edce firem. Pom\u00e1h\u00e1 toti\u017e automatizovat slo\u017eit\u00e9 procesy \u010di identifikovat nesrovnalosti, a t\u00edm odhalit p\u0159\u00edpadn\u00e9 podvodn\u00e9 aktivity. Tak\u00e9 pom\u00e1h\u00e1 zefektiv\u0148ovat z\u00e1kaznick\u00e9 slu\u017eby pomoc\u00ed interaktivn\u00edchchatbot\u016f a voicebot\u016f, co\u017e z\u00e1rove\u0148 \u0161et\u0159\u00ed \u010das zam\u011bstnanc\u016fm banky. Strojov\u00e9 u\u010den\u00ed neboli machine learning jde s um\u011blou inteligenc\u00ed ruku v ruce. Pou\u017e\u00edv\u00e1n\u00edm se jeho algoritmy u\u010d\u00ed a zlep\u0161uj\u00ed, hrav\u011b zpracuj\u00ed big data a \u010d\u00edm v\u00edc dat m\u00e1 k dispozici, t\u00edm je p\u0159esn\u011bj\u0161\u00ed. Stejn\u011b jako um\u011bl\u00e1 inteligence se bude jeho vyu\u017eit\u00ed v n\u00e1sleduj\u00edc\u00edm roce jenom roz\u0161i\u0159ovat. 2. Cloud computing Cloud computing umo\u017e\u0148uje u\u017eivatel\u016fm p\u0159istupovat ke sv\u00fdm zdroj\u016fm prost\u0159ednictv\u00edm internetu \u010di jin\u00fdch vzd\u00e1len\u00fdch s\u00edt\u00ed. Firmy tedy nemus\u00ed investovat do on-premise \u0159e\u0161en\u00ed, kter\u00e9 se finan\u010dn\u011b i \u010dasov\u011b prodra\u017e\u00ed. V oblasti finan\u010dnictv\u00ed zp\u016fsobil cloud computing revoluci p\u0159edev\u0161\u00edm d\u00edky velk\u00e9 \u00faspo\u0159e n\u00e1klad\u016f. Mnoho FinTech firem tedy s\u00e1z\u00ed na cloudovou infrastrukturu, kter\u00e1 p\u0159in\u00e1\u0161\u00ed:  bezprobl\u00e9mov\u00fd rychl\u00fd p\u0159\u00edstup odkudkoliv, vy\u0161\u0161\u00ed zabezpe\u010den\u00ed z\u00e1kaznick\u00fdch dat, rychlej\u0161\u00ed uv\u00e1d\u011bn\u00ed novinek na trh, p\u0159\u00edstup k v\u011bt\u0161\u00edmu mno\u017estv\u00ed dat, d\u00edky \u010demu\u017e mohou l\u00e9pe pochopit preference z\u00e1kazn\u00edka.   3. Metoda BNPL Zkratka BNPL vych\u00e1z\u00ed z anglick\u00e9ho spojen\u00ed Buy Now Pay Later. Jde o novou platebn\u00ed metodu, kter\u00e1 z\u00e1kazn\u00edk\u016fm umo\u017e\u0148uje koupit si produkt \u010di slu\u017ebu hned, ale zaplatit a\u017e pozd\u011bji.Podle v\u00fdzkum\u016f jde o jeden z nejrychleji rostouc\u00edch zp\u016fsob\u016f plateb na sv\u011bt\u011b. V roce 2023 se o\u010dek\u00e1v\u00e1, \u017ee bude jeho obliba i nad\u00e1le stoupat a bude se tedy roz\u0161i\u0159ovat mezi obchodn\u00edky. Ve finan\u010dnictv\u00ed se dokonce hovo\u0159\u00ed o tom, \u017ee by metoda BNPL mohla konkurovat p\u016fj\u010dk\u00e1m \u010di jin\u00fdm \u00fav\u011brov\u00fdm slu\u017eb\u00e1m. Pro obchodn\u00edky to naopak m\u016f\u017ee p\u0159edstavovatvy\u0161\u0161\u00ed tr\u017eby a n\u00e1kupy od lid\u00ed, kte\u0159\u00ed cht\u011bj\u00ed prov\u00e9st platbu pozd\u011bji \u2013 a\u0165 u\u017e v pln\u00e9 v\u00fd\u0161i, \u010di formou spl\u00e1tek. 4. Internet v\u011bc\u00ed IoT (internet v\u011bc\u00ed) jetechnologie, kter\u00e1 umo\u017e\u0148uje v\u00fdm\u011bnu informac\u00ed mezi fyzick\u00fdmi elektronick\u00fdmi za\u0159\u00edzen\u00edmi.V roce 2023 ov\u0161em jeho vyu\u017eit\u00ed nez\u016fstane pouze u ovl\u00e1d\u00e1n\u00ed chytr\u00e9 dom\u00e1cnosti, jak tomu bylo doposud, ale rozvine se pr\u00e1v\u011b v oblasti finan\u010dn\u00edch technologi\u00ed. Bank\u00e1m umo\u017en\u00ed monitorovat aktivitu z\u00e1kazn\u00edk\u016f pomoc\u00ed senzor\u016f v produktech, d\u00edky \u010demu\u017e mohou zefektivnit sv\u00e9 slu\u017eby. V\u00fdhodu p\u0159in\u00e1\u0161\u00ed i z hlediskazlep\u0161en\u00ed zabezpe\u010den\u00ed z\u00e1kaznick\u00fdch \u00fa\u010dt\u016f. 5. Kryptom\u011bny a blockchain I p\u0159esto, \u017ee v roce 2022 za\u017e\u00edvaly kryptom\u011bny velk\u00e9 propady, v roce 2023 budou st\u00e1le obl\u00edbenou online investic\u00ed mnoha firem i jednotlivc\u016f. D\u00e1le se o\u010dek\u00e1v\u00e1, \u017ee se technologie blockchain integruje do st\u00e1vaj\u00edc\u00edch syst\u00e9m\u016f. Nab\u00edz\u00ed toti\u017e vysokou bezpe\u010dnost, sni\u017euje n\u00e1klady na podnik\u00e1n\u00ed a je transparentn\u00ed v\u016f\u010di v\u0161em podnik\u016fm. V budoucnu m\u00e1 \u00fadajn\u011b potenci\u00e1l zp\u016fsobit revoluci v celosv\u011btov\u011b prov\u00e1d\u011bn\u00fdch finan\u010dn\u00edch transakc\u00edch a bude pravd\u011bpodobn\u011b za\u017e\u00edvat velk\u00fd r\u016fst.                                                                                                                                                                                                                                                                                                                                                                                                                                                  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