{"id":119657,"date":"2026-10-29T00:23:16","date_gmt":"2026-10-28T23:23:16","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=119657"},"modified":"2026-10-28T13:18:33","modified_gmt":"2026-10-28T12:18:33","slug":"banky-varuji-pred-kybernetickou-katastrofou-brusel-presto-nadale-buduje-digitalni-past-na-penize","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/10\/29\/banky-varuji-pred-kybernetickou-katastrofou-brusel-presto-nadale-buduje-digitalni-past-na-penize\/","title":{"rendered":"Banky varuj\u00ed p\u0159ed kybernetickou katastrofou \u2013 Brusel p\u0159esto nad\u00e1le buduje digit\u00e1ln\u00ed past na pen\u00edze"},"content":{"rendered":"
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Hacke\u0159i se dost\u00e1vaj\u00ed k obchodn\u00edm \u00fa\u010dt\u016fm, G7 se p\u0159ipravuje na rozs\u00e1hl\u00e9 kybernetick\u00e9 \u00fatoky a velk\u00e9 americk\u00e9 banky se pot\u00fdkaj\u00ed s podvodn\u00fdmi programy um\u011bl\u00e9 inteligence. Nebezpe\u010d\u00ed pro mezin\u00e1rodn\u00ed finan\u010dn\u00ed syst\u00e9m rostou. A p\u0159esto pr\u00e1v\u011b v t\u00e9to chv\u00edli eurokrat\u00e9 prosazuj\u00ed digit\u00e1ln\u00ed euro a dal\u0161\u00ed omezen\u00ed hotovosti. Dokonce p\u0159ijali pr\u00e1vn\u00ed opat\u0159en\u00ed pro p\u0159\u00edpad, \u017ee elektronick\u00e9 platebn\u00ed syst\u00e9my sel\u017eou ve velk\u00e9m m\u011b\u0159\u00edtku.<\/span><\/strong><\/p>\n

Kyberzlo\u010dinci po\u017eadovali od japonsk\u00e9 internetov\u00e9 spole\u010dnosti GMO v\u00fdkupn\u00e9 ve v\u00fd\u0161i p\u0159ibli\u017en\u011b osmi miliard jen\u016f (v\u00edce ne\u017e 45,5 milionu eur). Hacke\u0159i <\/span>naru\u0161ili<\/span><\/a> jej\u00ed cloudovou infrastrukturu , ukradli z\u00e1kaznick\u00e1 data a z\u0159ejm\u011b z\u00edskali p\u0159\u00edstup k obchodn\u00edm \u00fa\u010dt\u016fm jin\u00fdch lid\u00ed. Dot\u010den\u00ed z\u00e1kazn\u00edci nahl\u00e1sili transakce, kter\u00e9 neschv\u00e1lili. Pachatel\u00e9 pot\u00e9 vyhro\u017eovali manipulac\u00ed s dal\u0161\u00edmi \u00fa\u010dty u v\u00edce ne\u017e 70 japonsk\u00fdch a mezin\u00e1rodn\u00edch finan\u010dn\u00edch instituc\u00ed. Spole\u010dnost GMO <\/span>byla nucena<\/span><\/a> vypnout sv\u00e9 syst\u00e9my, ozn\u00e1mila vyplacen\u00ed od\u0161kodn\u00e9ho a dokonce vyzvala vl\u00e1du k p\u0159ijet\u00ed opat\u0159en\u00ed k aktivn\u00edmu boji proti kybernetick\u00fdm \u00fatok\u016fm. 27. \u0159\u00edjna vyd\u011bra\u010di kone\u010dn\u011b zve\u0159ejnili data, o kter\u00fdch tvrdili, \u017ee jsou ukraden\u00fdmi informacemi o spole\u010dnostech a z\u00e1kazn\u00edc\u00edch. Pro poskytovatele digit\u00e1ln\u00ed infrastruktury je takov\u00e1 bezpe\u010dnostn\u00ed katastrofa jist\u011b \u0161patnou publicitou.<\/span><\/p>\n

Kybernetick\u00e9 \u00fatoky st\u00e1le \u010dast\u011bji \u0159\u00edzen\u00e9 um\u011blou inteligenc\u00ed<\/span><\/h3>\n

Minist\u0159i financ\u00ed a guvern\u00e9\u0159i centr\u00e1ln\u00edch bank zem\u00ed G7 se tak\u00e9 p\u0159ipravuj\u00ed na velk\u00e9 pot\u00ed\u017ee. 16. \u0159\u00edjna <\/span>se dohodli na<\/span><\/a> nov\u00fdch krizov\u00fdch cvi\u010den\u00edch simuluj\u00edc\u00edch kybernetick\u00e9 \u00fatoky na banky a kl\u00ed\u010dov\u00e9 poskytovatele finan\u010dn\u00edch slu\u017eeb \u0159\u00edzen\u00e9 um\u011blou inteligenc\u00ed. Je\u0161t\u011b v dubnu 2024 provedlo 23 finan\u010dn\u00edch org\u00e1n\u016f rozs\u00e1hl\u00fd \u00fatok na finan\u010dn\u00ed infrastrukturu v\u0161ech zem\u00ed G7. Banka pro mezin\u00e1rodn\u00ed platby (BIS) v z\u00e1\u0159\u00ed tak\u00e9 <\/span>varovala<\/span><\/a> p\u0159ed rostouc\u00edmi schopnostmi um\u011bl\u00e9 inteligence samostatn\u011b detekovat bezpe\u010dnostn\u00ed zranitelnosti a prov\u00e1d\u011bt komplexn\u00ed \u00fatoky. K tomu se p\u0159id\u00e1v\u00e1 z\u00e1vislost mnoha bank na stejn\u00fdch velk\u00fdch poskytovatel\u00edch cloudov\u00fdch slu\u017eeb. Pokud takov\u00fd poskytovatel sel\u017ee, m\u016f\u017ee to ovlivnit n\u011bkolik finan\u010dn\u00edch instituc\u00ed sou\u010dasn\u011b. Z\u00e1kazn\u00edci pak mohou zjistit, \u017ee jejich p\u0159epln\u011bn\u00fd bankovn\u00ed \u00fa\u010det je k ni\u010demu, pokud k n\u011bmu ji\u017e nemaj\u00ed p\u0159\u00edstup.<\/span><\/p>\n

Ve Spojen\u00fdch st\u00e1tech se banky st\u00e1le \u010dast\u011bji mus\u00ed br\u00e1nit proti agent\u016fm um\u011bl\u00e9 inteligence jednaj\u00edc\u00edm nez\u00e1visle. Jak <\/span>uv\u00e1d\u00ed<\/span><\/a> Axios , tyto programy p\u0159istupuj\u00ed k bankovn\u00edm \u00fa\u010dt\u016fm pomoc\u00ed p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f u\u017eivatel\u016f a n\u011bkdy se pokou\u0161ej\u00ed prov\u00e1d\u011bt akce autonomn\u011b. Instituce jako JPMorgan Chase, Morgan Stanley a Bank of America proto takov\u00fd p\u0159\u00edstup omezuj\u00ed. Bank\u00e9\u0159i zjevn\u011b nejsou spokojeni s t\u00edm, kdy\u017e si digit\u00e1ln\u00ed asistenti osvoj\u00ed p\u0159\u00edli\u0161 sv\u00e9r\u00e1zn\u00e9 ch\u00e1p\u00e1n\u00ed jejich pokyn\u016f. Slib pohodln\u00e9ho, \u200b\u200bautomatizovan\u00e9ho bankovnictv\u00ed se m\u016f\u017ee rychle prom\u011bnit ve skute\u010dn\u00fd bezpe\u010dnostn\u00ed probl\u00e9m.<\/span><\/p>\n

Brusel se zam\u011b\u0159uje na dal\u0161\u00ed digitalizaci pen\u011bz<\/span><\/h3>\n

Zat\u00edmco se finan\u010dn\u00ed sv\u011bt p\u0159ipravuje na st\u00e1le nebezpe\u010dn\u011bj\u0161\u00ed kybernetick\u00e9 \u00fatoky, brusel\u0161t\u00ed eurokrat\u00e9 piln\u011b pracuj\u00ed na tom, aby ob\u010dan\u00e9 byli je\u0161t\u011b v\u00edce z\u00e1visl\u00ed na elektronick\u00fdch platebn\u00edch syst\u00e9mech. Od 10. \u010dervence 2027 <\/span>bude<\/span><\/a> pro komer\u010dn\u00ed platby v hotovosti v cel\u00e9 EU platit limit 10 000 eur. \u010clensk\u00e9 st\u00e1ty si dokonce mohou stanovit p\u0159\u00edsn\u011bj\u0161\u00ed limity. To je od\u016fvodn\u011bno bojem proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a financov\u00e1n\u00ed terorismu. Zd\u00e1 se v\u0161ak, \u017ee v Bruselu si jsou dob\u0159e v\u011bdomi toho, \u017ee digit\u00e1ln\u00ed alternativy maj\u00ed sv\u00e9 nev\u00fdhody. \u010cl\u00e1nek 80 odstavec 7 p\u0159\u00edslu\u0161n\u00e9ho na\u0159\u00edzen\u00ed EU v\u00fdslovn\u011b stanov\u00ed, \u017ee \u010dlensk\u00e9 st\u00e1ty mohou tato omezen\u00ed v hotovosti do\u010dasn\u011b pozastavit, pokud jin\u00e9 platebn\u00ed prost\u0159edky v cel\u00e9 zemi sel\u017eou z d\u016fvodu vy\u0161\u0161\u00ed moci. Eurokrat\u00e9 tak omezuj\u00ed hotovostn\u00ed transakce a preventivn\u011b vytv\u00e1\u0159ej\u00ed v\u00fdjimku pro p\u0159\u00edpad, \u017ee elektronick\u00e9 alternativy sel\u017eou. Vymyslet takov\u00fd n\u00e1pad vy\u017eaduje ur\u010ditou vynal\u00e9zavost.<\/span><\/p>\n

Soub\u011b\u017en\u011b s t\u00edm Evropsk\u00e1 centr\u00e1ln\u00ed banka prosazuje v\u00fdvoj digit\u00e1ln\u00edho eura. Zat\u00edmco ofici\u00e1ln\u00ed prohl\u00e1\u0161en\u00ed tvrd\u00ed, \u017ee m\u00e1 pouze dopl\u0148ovat hotovost, je t\u0159eba k takov\u00fdm uji\u0161t\u011bn\u00edm p\u0159istupovat skepticky vzhledem k rostouc\u00edm omezen\u00edm hotovostn\u00edch transakc\u00ed. Koneckonc\u016f, digit\u00e1ln\u00ed m\u011bna centr\u00e1ln\u00ed banky m\u00e1 dokonce m\u00edt offline funkci, kter\u00e1 umo\u017e\u0148uje platby bez p\u0159ipojen\u00ed k internetu. To v\u0161ak vy\u017eaduje vhodn\u00e1 elektronick\u00e1 za\u0159\u00edzen\u00ed a odpov\u00eddaj\u00edc\u00ed mno\u017estv\u00ed digit\u00e1ln\u00edho kreditu. Bankovka je podstatn\u011b jednodu\u0161\u0161\u00ed. Funguje i p\u0159i v\u00fdpadc\u00edch proudu, kybernetick\u00fdch \u00fatoc\u00edch a technick\u00fdch poruch\u00e1ch. A nevy\u017eaduje ani chytr\u00fd telefon, ani autorizaci poskytovatele platebn\u00edch slu\u017eeb.<\/span><\/p>\n

Rozs\u00e1hl\u00fd kybernetick\u00fd \u00fatok na finan\u010dn\u00ed syst\u00e9m by mohl b\u00fdt zneu\u017eit i politicky. Miliony zmrazen\u00fdch bankovn\u00edch \u00fa\u010dt\u016f a zhroucen\u00fd platebn\u00ed syst\u00e9m by koneckonc\u016f poskytly vynikaj\u00edc\u00ed p\u0159\u00edle\u017eitost k prodeji dal\u0161\u00edch \u0161ek\u016f toto\u017enosti a vl\u00e1dn\u00edch intervenc\u00ed jako nezbytn\u00fdch bezpe\u010dnostn\u00edch opat\u0159en\u00ed. Rostouc\u00ed z\u00e1vislost na digit\u00e1ln\u00edch platebn\u00edch syst\u00e9mech by tak mohla slou\u017eit jako ospravedln\u011bn\u00ed pro je\u0161t\u011b v\u011bt\u0161\u00ed kontrolu. Pokud by se digit\u00e1ln\u00ed finan\u010dn\u00ed syst\u00e9m jednoho dne skute\u010dn\u011b zhroutil, mnoho ob\u010dan\u016f si pravd\u011bpodobn\u011b vzpomene na v\u00fdhody pom\u011brn\u011b star\u00e9ho vyn\u00e1lezu: hotovosti. Svazek bankovek v pen\u011b\u017eence by pak byl podstatn\u011b u\u017eite\u010dn\u011bj\u0161\u00ed ne\u017e bankovn\u00ed \u00fa\u010det s \u0161estim\u00edstnou \u010d\u00e1stkou, jeho\u017e z\u016fstatek je nedostupn\u00fd.<\/span><\/p>\n

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 <\/p>\n","protected":false},"excerpt":{"rendered":"

Hacke\u0159i se dost\u00e1vaj\u00ed k obchodn\u00edm \u00fa\u010dt\u016fm, G7 se p\u0159ipravuje na rozs\u00e1hl\u00e9 kybernetick\u00e9 \u00fatoky a velk\u00e9…<\/p>\n","protected":false},"author":2,"featured_media":119658,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,9570,1402],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/119657"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=119657"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/119657\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/119658"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=119657"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=119657"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=119657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}