[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/nova-smernice-eu-je-vstricna-ke-klientum-bank\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/nova-smernice-eu-je-vstricna-ke-klientum-bank\/","headline":"Nov\u00e1 sm\u011brnice EU je vst\u0159\u00edcn\u00e1 ke klient\u016fm bank!","name":"Nov\u00e1 sm\u011brnice EU je vst\u0159\u00edcn\u00e1 ke klient\u016fm bank!","description":"Tento p\u0159edpis sice plat\u00ed ji\u017e od ledna roku 2018, ale existuje p\u0159echodn\u00e9 obdob\u00ed,kter\u00e9 bude trvat od term\u00ednu platnosti sm\u011brnice je\u0161t\u011b n\u00e1sleduj\u00edc\u00ed rok a p\u016fl. V\u011bt\u0161ina bank se do nov\u00e9ho p\u0159\u00edli\u0161 nehrne, i kdy\u017e nap\u0159\u00edklad Fio banka spustila obdobu tohoto ji\u017e v roce 2012. To znamen\u00e1, \u017ee ji\u017e v t\u00e9to chv\u00edli je p\u0159ipravena na tuto novinku. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/nova-smernice-eu-je-vstricna-ke-klientum-bank\/\"> <span class=\"screen-reader-text\">Nov\u00e1 sm\u011brnice EU je vst\u0159\u00edcn\u00e1 ke klient\u016fm bank!<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2023-04-29","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a315424_w2000_t1526311606.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a315424_w2000_t1526311606.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/nova-smernice-eu-je-vstricna-ke-klientum-bank\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":433,"articleBody":"Tento p\u0159edpis sice plat\u00ed ji\u017e od ledna roku 2018, ale existuje p\u0159echodn\u00e9 obdob\u00ed,kter\u00e9 bude trvat od term\u00ednu platnosti sm\u011brnice je\u0161t\u011b n\u00e1sleduj\u00edc\u00ed rok a p\u016fl.V\u011bt\u0161ina bank se do nov\u00e9ho p\u0159\u00edli\u0161 nehrne, i kdy\u017e nap\u0159\u00edklad Fio banka spustila obdobu tohoto ji\u017e v roce 2012. To znamen\u00e1, \u017ee ji\u017e v t\u00e9to chv\u00edli je p\u0159ipravena na tuto novinku.Ostatn\u00ed finan\u010dn\u00ed instituce se tedy, jak bylo uvedeno, p\u0159\u00edli\u0161 do spu\u0161t\u011bn\u00ed ostr\u00e9ho provozu takov\u00fdch slu\u017eeb nehrne. N\u011bkter\u00e9 banky zat\u00edm v souladu se sm\u011brnic\u00ed spustily testovac\u00ed provoz a \u010dekaj\u00ed na dal\u0161\u00ed regule a z\u00e1vazn\u00e9 standardy. Nejen z bezpe\u010dnostn\u00edch d\u016fvod\u016f tedy se bank\u00e1m do t\u00e9to novinky p\u0159\u00edli\u0161 nechce. Jde hlavn\u011b o to, \u017ee takov\u00e1 banka m\u00e1 povinnost zp\u0159\u00edstupnit informace o jednotliv\u00fdch \u00fa\u010dtech dal\u0161\u00edm t\u0159et\u00edm osob\u00e1m, ale nejsou je\u0161t\u011b schv\u00e1leny kl\u00ed\u010dov\u00e9 prov\u00e1d\u011bc\u00ed p\u0159edpisy plynouc\u00ed pr\u00e1v\u011b z t\u00e9to sm\u011brnice.Dal\u0161\u00edm faktorem, kter\u00fd vlastn\u011b umo\u017en\u00ed tuto sm\u011brnici nezav\u00e1d\u011bt je fakt, \u017ee ani po skon\u010den\u00ed p\u0159echodn\u00e9ho obdob\u00ed nejsou uvedeny \u017e\u00e1dn\u00e9 postihy pro banky, kter\u00e9 toto nezavedou.Nad ot\u00e1zkou bezpe\u010dnosti poskytov\u00e1n\u00ed u\u017eivatelsk\u00e9ho jm\u00e9na a hesla t\u0159et\u00ed stran\u011b se samoz\u0159ejm\u011b tak\u00e9 pozastavuj\u00ed banky, proto\u017ee toto p\u0159edstavuje potenci\u00e1ln\u00ed riziko pro bezpe\u010dnost dat. To znamen\u00e1, \u017ee aby banka mohla nab\u00eddnout opravdu bezpe\u010dn\u00fd p\u0159\u00edstup k \u00fa\u010dt\u016fm a k informac\u00edm, je nutn\u00e9, aby p\u0159\u00edstup byl p\u0159es API rozhran\u00ed, kter\u00e9 vy\u017eaduje autorizaci p\u0159\u00edmo v bance. Zprovozn\u011bn\u00ed a aplikace takov\u00e9ho syst\u00e9mu ov\u011b\u0159ov\u00e1n\u00ed u tohoto otev\u0159en\u00e9ho syst\u00e9mu tedy bude st\u00e1t velk\u00e9 banky des\u00edtky milionu korun, nen\u00ed tedy divu, \u017ee se banky do takov\u00fdch zm\u011bn nehrnou.Nov\u00fd z\u00e1kon se tak\u00e9 dotkne platebn\u00edho styku kartou. V obchodech tak nebudou moci obchodn\u00edci \u00fa\u010dtovat \u017e\u00e1dn\u00e9 poplatky za tuto transakci. I kdy\u017e u\u017e v posledn\u00edch letech postupn\u011b od t\u011bchto poplatk\u016f v\u011bt\u0161ina obchodn\u00edk\u016f upustila, je\u0161t\u011b existuj\u00ed prodejci, kte\u0159\u00ed je st\u00e1le \u00fa\u010dtovali. Nyn\u00ed tedy ani \u010derpac\u00ed stanice ani prodejci letek u\u017e nebudou moci poplatky \u00fa\u010dtovat.V\u00fdhodou nov\u00e9 sm\u011brnice pro klienty u\u017e\u00edvaj\u00edc\u00ed karty je tak\u00e9 sn\u00ed\u017een\u00ed minim\u00e1ln\u00ed spolu\u00fa\u010dasti p\u0159i ztr\u00e1t\u011b, odcizen\u00ed \u010di zneu\u017eit\u00ed platebn\u00ed karty. Do ledna 2018 byla tato hranice stanovena a\u017e na 150 eur, nyn\u00ed v\u0161ak je to pouze do 50 eur.&nbsp;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nov\u00e1 sm\u011brnice EU je vst\u0159\u00edcn\u00e1 ke klient\u016fm bank!","item":"https:\/\/www.zerba.cz\/nova-smernice-eu-je-vstricna-ke-klientum-bank\/#breadcrumbitem"}]}]