{"id":96322,"date":"2026-01-08T00:20:53","date_gmt":"2026-01-07T23:20:53","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=96322"},"modified":"2026-01-07T12:27:07","modified_gmt":"2026-01-07T11:27:07","slug":"mmf-planuje-propojit-bonitu-s-chovanim-pri-vyhledavani-prohlizece-kliknuti-a-nakupy-jako-novy-standard","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/01\/08\/mmf-planuje-propojit-bonitu-s-chovanim-pri-vyhledavani-prohlizece-kliknuti-a-nakupy-jako-novy-standard\/","title":{"rendered":"MMF pl\u00e1nuje propojit bonitu s chov\u00e1n\u00edm p\u0159i vyhled\u00e1v\u00e1n\u00ed \u2013 prohl\u00ed\u017ee\u010de, kliknut\u00ed a n\u00e1kupy jako nov\u00fd standard"},"content":{"rendered":"
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\u201eFintech \u0159e\u0161\u00ed toto dilema vyu\u017eit\u00edm r\u016fzn\u00fdch nefinan\u010dn\u00edch dat: typu prohl\u00ed\u017ee\u010de a hardwaru pou\u017eit\u00e9ho pro p\u0159\u00edstup k internetu, stejn\u011b jako historie online vyhled\u00e1v\u00e1n\u00ed a n\u00e1kup\u016f,\u201c napsal MMF.<\/span><\/strong><\/p>\n

V\u00fdzkumn\u00edci z Mezin\u00e1rodn\u00edho m\u011bnov\u00e9ho fondu (MMF) se domn\u00edvaj\u00ed, \u017ee s technologick\u00fdm pokrokem by m\u011bla b\u00fdt historie prohl\u00ed\u017een\u00ed internetu lid\u00ed propojena s kreditn\u00edm sk\u00f3re, proto\u017ee um\u011bl\u00e1 inteligence a algoritmy hlubok\u00e9ho u\u010den\u00ed by mohly mnohem l\u00e9pe ne\u017e lidsk\u00fd \u00fasudek posoudit rizika a soci\u00e1ln\u00ed status.<\/span><\/p>\n

MMF byl zalo\u017een v roce 1944 jako specializovan\u00e1 agentura Organizace spojen\u00fdch n\u00e1rod\u016f s c\u00edlem \u201epodporovat mezin\u00e1rodn\u00ed m\u011bnovou spolupr\u00e1ci, podporovat expanzi obchodu a hospod\u00e1\u0159sk\u00e9ho r\u016fstu a p\u0159edch\u00e1zet politik\u00e1m, kter\u00e9 by po\u0161kozovaly prosperitu\u201c.<\/span><\/p>\n

\u010cl\u00e1nek, publikovan\u00fd v prosinci 2020 autory\u00a0<\/span>Arnoudem Bootem<\/span><\/a>\u00a0,\u00a0<\/span>Peterem Hoffmannem<\/span><\/a>\u00a0,\u00a0<\/span>Lucem Laevenem<\/span><\/a>\u00a0a\u00a0<\/span>Levem Ratnovsk\u00fdm,<\/span><\/a>\u00a0se zab\u00fdv\u00e1 rychl\u00fdmi zm\u011bnami ve finan\u010dn\u00edm sektoru v d\u016fsledku pandemie covidu.<\/span><\/p>\n

Auto\u0159i napsali (zv\u00fdrazn\u011bn\u00ed moje):<\/span><\/p>\n

Finan\u010dn\u00ed sektor v sou\u010dasn\u00e9 dob\u011b proch\u00e1z\u00ed rychl\u00fdmi technologick\u00fdmi zm\u011bnami. Tradi\u010dn\u00ed banky konkuruj\u00ed online startup\u016fm, kter\u00e9 nemaj\u00ed fyzick\u00e9 pobo\u010dky. Soci\u00e1ln\u00ed m\u00e9dia a dal\u0161\u00ed digit\u00e1ln\u00ed platformy se prosazuj\u00ed v oblasti plateb a p\u016fj\u010dek. Zv\u00fd\u0161en\u00e1 popt\u00e1vka po digit\u00e1ln\u00edch slu\u017eb\u00e1ch vyvolan\u00e1 pandemi\u00ed COVID-19 tuto transformaci v\u00fdrazn\u011b urychluje. Tato sou\u010dasn\u00e1 konvergence je hnac\u00ed silou fintech inovac\u00ed a vyvol\u00e1v\u00e1 d\u016fle\u017eit\u00e9 ot\u00e1zky. Jak\u00e9 transforma\u010dn\u00ed aspekty ned\u00e1vn\u00fdch finan\u010dn\u00edch inovac\u00ed by mohly z\u00e1sadn\u011b zm\u011bnit finance, jak je zn\u00e1me? Jak\u00e9 nov\u00e9 politick\u00e9 v\u00fdzvy p\u0159inese transformace finan\u010dn\u00edho syst\u00e9mu?<\/span><\/p>\n

Ned\u00e1vn\u00fd\u00a0<\/span>v\u00fdzkum<\/span><\/a>\u00a0pracovn\u00edk\u016f MMF a ECB rozli\u0161uje dv\u011b oblasti finan\u010dn\u00edch inovac\u00ed. Jedna se t\u00fdk\u00e1 informac\u00ed: nov\u00fdch n\u00e1stroj\u016f pro sb\u011br a anal\u00fdzu dat o z\u00e1kazn\u00edc\u00edch, nap\u0159\u00edklad pro ur\u010dov\u00e1n\u00ed \u00fav\u011bruschopnosti. Druh\u00e1 se t\u00fdk\u00e1 komunikace: nov\u00fdch p\u0159\u00edstup\u016f ke vztah\u016fm se z\u00e1kazn\u00edky a distribuci finan\u010dn\u00edch produkt\u016f. Tvrd\u00edme, \u017ee ka\u017ed\u00e1 z t\u011bchto dimenz\u00ed obsahuje transforma\u010dn\u00ed prvky.<\/span><\/p>\n

Nejv\u00edce transforma\u010dn\u00ed informa\u010dn\u00ed inovac\u00ed je rostouc\u00ed vyu\u017e\u00edv\u00e1n\u00ed\u00a0<\/span>nov\u00fdch datov\u00fdch typ\u016f z digit\u00e1ln\u00ed stopy rozmanit\u00fdch online aktivit z\u00e1kazn\u00edk\u016f \u2013 zejm\u00e9na pro anal\u00fdzu \u00fav\u011bruschopnosti.<\/span><\/strong><\/em><\/p>\n

Bodov\u00e9 hodnocen\u00ed zalo\u017een\u00e9 na tzv. tvrd\u00fdch informac\u00edch (p\u0159\u00edjem, d\u00e9lka slu\u017eby, majetek a dluh) nen\u00ed nic nov\u00e9ho. Zpravidla plat\u00ed, \u017ee \u010d\u00edm v\u00edce dat je k dispozici, t\u00edm p\u0159esn\u011bj\u0161\u00ed je hodnocen\u00ed. Tato metoda m\u00e1 v\u0161ak dva probl\u00e9my. Zaprv\u00e9, tvrd\u00e9 informace b\u00fdvaj\u00ed procyklick\u00e9: podporuj\u00ed \u00fav\u011brovou expanzi v dobr\u00fdch \u010dasech, ale zhor\u0161uj\u00ed kontrakci b\u011bhem pokles\u016f.<\/span><\/em><\/p>\n

Druh\u00fdm a slo\u017eit\u011bj\u0161\u00edm probl\u00e9mem je, \u017ee ur\u010dit\u00e9 skupiny lid\u00ed \u2013 jako jsou nov\u00ed podnikatel\u00e9, inov\u00e1to\u0159i a mnoz\u00ed lid\u00e9 v neform\u00e1ln\u00ed ekonomice \u2013 nemaj\u00ed dostatek konkr\u00e9tn\u00edch dat. I dob\u0159e placen\u00fd expat st\u011bhuj\u00edc\u00ed se do Spojen\u00fdch st\u00e1t\u016f se m\u016f\u017ee ocitnout v situaci, kdy si nem\u016f\u017ee za\u0159\u00eddit kreditn\u00ed kartu, proto\u017ee nem\u00e1 kreditn\u00ed historii, a nem\u016f\u017ee si ji vybudovat, proto\u017ee si kreditn\u00ed kartu nem\u016f\u017ee za\u0159\u00eddit.<\/span><\/em><\/p>\n

Fintech \u0159e\u0161\u00ed toto dilema vyu\u017eit\u00edm r\u016fzn\u00fdch nefinan\u010dn\u00edch dat:\u00a0<\/span>typu prohl\u00ed\u017ee\u010de a hardwaru pou\u017eit\u00e9ho pro p\u0159\u00edstup k internetu, stejn\u011b jako historie online vyhled\u00e1v\u00e1n\u00ed a n\u00e1kup\u016f<\/span><\/strong>\u00a0. Ned\u00e1vn\u00fd v\u00fdzkum ukazuje, \u017ee p\u0159i hodnocen\u00ed pomoc\u00ed um\u011bl\u00e9 inteligence a strojov\u00e9ho u\u010den\u00ed jsou tyto alternativn\u00ed zdroje dat \u010dasto lep\u0161\u00ed ne\u017e tradi\u010dn\u00ed metody kreditn\u00edho sk\u00f3re a mohou podpo\u0159it finan\u010dn\u00ed za\u010dle\u0148ov\u00e1n\u00ed nap\u0159\u00edklad t\u00edm, \u017ee poskytnou lep\u0161\u00ed p\u0159\u00edstup k \u00fav\u011br\u016fm neform\u00e1ln\u00edm pracovn\u00edk\u016fm a dom\u00e1cnostem a podnik\u016fm ve venkovsk\u00fdch oblastech.<\/span><\/p>\n

Inova\u010dn\u00ed procesy v komunikaci jsou poh\u00e1n\u011bny rozmanitost\u00ed digit\u00e1ln\u00edch platforem v soci\u00e1ln\u00edch m\u00e9di\u00edch, mobiln\u00ed komunikaci a online obchodu, kter\u00e9 hluboce pronikly do ka\u017edodenn\u00edho \u017eivota spot\u0159ebitel\u016f, a t\u00edm zvy\u0161uj\u00ed jejich digit\u00e1ln\u00ed stopu a dostupn\u00e1 data. Platformy jako Amazon, Facebook a Alibaba st\u00e1le v\u00edce integruj\u00ed finan\u010dn\u00ed slu\u017eby do sv\u00fdch ekosyst\u00e9m\u016f, co\u017e umo\u017e\u0148uje vznik nov\u00fdch, specializovan\u00fdch poskytovatel\u016f, kte\u0159\u00ed konkuruj\u00ed bank\u00e1m v oblastech zpracov\u00e1n\u00ed plateb, spr\u00e1vy majetku a poskytov\u00e1n\u00ed finan\u010dn\u00edch informac\u00ed.<\/span><\/p>\n

Technologie tak posiluj\u00ed st\u00e1vaj\u00edc\u00ed trend. P\u0159echod od osobn\u00edch n\u00e1v\u0161t\u011bv pobo\u010dek k online komunikaci na d\u00e1lku obecn\u011b zvy\u0161uje pohodl\u00ed z\u00e1kazn\u00edk\u016f a zefektiv\u0148uje finan\u010dn\u00ed zprost\u0159edkov\u00e1n\u00ed. Z\u00e1rove\u0148 zintenziv\u0148uje geografickou konkurenci mezi bankami, kter\u00e9 nyn\u00ed mohou obsluhovat z\u00e1kazn\u00edky ve vzd\u00e1len\u011bj\u0161\u00edch lokalit\u00e1ch.<\/span><\/p>\n

Dopad digit\u00e1ln\u00ed transformace je obzvl\u00e1\u0161t\u011b v\u00fdrazn\u00fd ve finan\u010dn\u00edm sektoru, jeliko\u017e se ji\u017e nyn\u00ed jedn\u00e1 o odv\u011btv\u00ed, kter\u00e9 je nejv\u00edce z\u00e1visl\u00e9 na po\u010d\u00edta\u010d\u00edch. Nav\u00edc se pou\u017e\u00edv\u00e1n\u00ed online bankovnictv\u00ed v 15 nejv\u011bt\u0161\u00edch ekonomik\u00e1ch Evropsk\u00e9 unie za posledn\u00ed dv\u011b desetilet\u00ed zdvojn\u00e1sobilo. S pr\u016fm\u011brnou m\u00edrou vyu\u017eit\u00ed 50 procent z\u016fst\u00e1v\u00e1 zna\u010dn\u00fd r\u016fstov\u00fd potenci\u00e1l.<\/span><\/p>\n

Tento r\u016fstov\u00fd potenci\u00e1l zaji\u0161\u0165uje, \u017ee digit\u00e1ln\u00ed inovace v oblasti informac\u00ed a komunikace se budou i nad\u00e1le prohlubovat a vytv\u00e1\u0159et nov\u00e9 priority v n\u011bkolika oblastech politiky. Bankovn\u00ed dohled m\u016f\u017ee v t\u00e9to souvislosti \u010delit nejv\u011bt\u0161\u00edm v\u00fdzv\u00e1m. Regula\u010dn\u00ed org\u00e1ny mus\u00ed posoudit provozn\u00ed rizika nov\u00fdch \u00fav\u011brov\u00fdch technologi\u00ed a obchodn\u00edch model\u016f, kter\u00e9 jsou b\u011bhem poklesu zp\u016fsoben\u00e9ho COVID-19 poprv\u00e9 vystaveny skute\u010dn\u00e9mu z\u00e1t\u011b\u017eov\u00e9mu testu.<\/span><\/p>\n

Objevuj\u00ed se i dal\u0161\u00ed rizika: rostouc\u00ed rizika v oblasti kybernetick\u00e9 bezpe\u010dnosti (finan\u010dn\u00ed instituce a z\u00e1kazn\u00edci st\u00e1le \u010dast\u011bji vyu\u017e\u00edvaj\u00ed online slu\u017eby, co\u017e vytv\u00e1\u0159\u00ed nov\u00e9 vektory \u00fatok\u016f pro zlo\u010dince) a regula\u010dn\u00ed arbitr\u00e1\u017e (p\u0159izp\u016fsoben\u00ed obchodn\u00edch model\u016f s c\u00edlem sn\u00ed\u017eit regula\u010dn\u00ed dohled). Aby se regul\u00e1to\u0159i mohli s t\u011bmito v\u00fdzvami vypo\u0159\u00e1dat, mus\u00ed zajistit, aby jejich odborn\u00e9 znalosti dr\u017eely krok s odborn\u00fdmi znalostmi v tomto odv\u011btv\u00ed \u2013 co\u017e bylo historicky obt\u00ed\u017en\u00e9 a mohlo by se st\u00e1t je\u0161t\u011b n\u00e1ro\u010dn\u011bj\u0161\u00edm s p\u0159\u00edlivem talent\u016f do sektoru fintech a zrychluj\u00edc\u00edm se tempem inovac\u00ed.<\/span><\/p>\n

Zm\u011bn\u00ed se tak\u00e9 prost\u0159ed\u00ed pro m\u011bnovou politiku. Procyklick\u00e9 zkreslen\u00ed tvrd\u00fdch informac\u00ed (kter\u00e9 zesiluje boomy a poklesy) by mohlo donutit centr\u00e1ln\u00ed banky jednat v\u00edce \u201eproticyklicky\u201c (tj. stimulovat nebo omezovat siln\u011bji, ne\u017e by nazna\u010doval skute\u010dn\u00fd ekonomick\u00fd v\u00fdvoj). Je t\u0159eba pln\u011b pochopit nov\u00e9 kan\u00e1ly transmise m\u011bnov\u00e9 politiky. A jeliko\u017e nov\u00ed akt\u00e9\u0159i sni\u017euj\u00ed v\u00fdznam bank pro finan\u010dn\u00ed syst\u00e9m, centr\u00e1ln\u00ed banky budou mo\u017en\u00e1 muset p\u0159izp\u016fsobit sv\u00e9 n\u00e1stroje m\u011bnov\u00e9 politiky, nap\u0159\u00edklad t\u00edm, \u017ee nebankovn\u00edm subjekt\u016fm ud\u011bl\u00ed p\u0159\u00edstup k likviditn\u00edm facilit\u00e1m a integruj\u00ed je do sv\u00fdch operac\u00ed.<\/span><\/p>\n

Dal\u0161\u00edmi kritick\u00fdmi oblastmi jsou politika hospod\u00e1\u0159sk\u00e9 sout\u011b\u017ee s c\u00edlem \u0159e\u0161it monopoln\u00ed tendence velk\u00fdch digit\u00e1ln\u00edch platforem vypl\u00fdvaj\u00edc\u00ed ze s\u00ed\u0165ov\u00fdch efekt\u016f a p\u0159irozen\u00e9 tendence soust\u0159edit se na n\u011bkolik velk\u00fdch platforem, jako\u017e i politika ochrany \u00fadaj\u016f s c\u00edlem zajistit ochranu soukrom\u00ed spot\u0159ebitel\u016f a efektivn\u00ed a bezpe\u010dn\u00fd sb\u011br, zpracov\u00e1n\u00ed a v\u00fdm\u011bnu \u00fadaj\u016f.<\/span><\/p>\n

P\u0159esto\u017ee velk\u00e1 \u010d\u00e1st technologick\u00e9ho pokroku ve financ\u00edch je evolu\u010dn\u00ed, jeho tempo se rapidn\u011b zrychluje. Potenci\u00e1l fintech oslovit v\u00edce ne\u017e miliardu lid\u00ed bez bankovn\u00edho \u00fa\u010dtu na cel\u00e9m sv\u011bt\u011b a v\u00fdsledn\u00e9 zm\u011bny ve struktu\u0159e finan\u010dn\u00edho syst\u00e9mu by mohly b\u00fdt revolu\u010dn\u00ed.<\/span><\/p>\n

Vl\u00e1dy by m\u011bly sledovat a pe\u010dliv\u011b podporovat technologick\u00e9 zm\u011bny ve finan\u010dn\u00edm sektoru. Je d\u016fle\u017eit\u00e9 odpov\u00eddaj\u00edc\u00edm zp\u016fsobem p\u0159izp\u016fsobit politick\u00e1 opat\u0159en\u00ed a udr\u017eet si n\u00e1skok p\u0159ed v\u00fdvojem.<\/span><\/p>\n

WinePress News je publikace podporovan\u00e1 \u010dten\u00e1\u0159i. Chcete-li dost\u00e1vat nov\u00e9 \u010dl\u00e1nky a podporovat mou pr\u00e1ci, zva\u017ete pros\u00edm, zda se st\u00e1t bezplatn\u00fdm nebo placen\u00fdm odb\u011bratelem.<\/span><\/p>\n

AUTOR\u016eV KOMENT\u00c1\u0158<\/span><\/strong><\/p>\n

Od roku 2020 je situace trochu mlhav\u00e1, ale pamatuji si to dob\u0159e \u2013 a nezapomn\u011bl jsem na to (a douf\u00e1m, \u017ee ani vy ne): Jedn\u00edm z hlavn\u00edch d\u016fvod\u016f, pro\u010d byly covidov\u00e9 lockdowny a absurdn\u00ed opat\u0159en\u00ed po cel\u00e9m sv\u011bt\u011b nezbytn\u00e9, bylo jednodu\u0161e drasticky urychlit sv\u011bt sm\u011brem k tokenizaci, CBDC a stablecoin\u016fm. Star\u00fd syst\u00e9m musel pry\u010d a rok 2020 byl rokem ofici\u00e1ln\u00edho zah\u00e1jen\u00ed \u201eVelk\u00e9ho resetu\u201c a \u201e\u010ctvrt\u00e9 pr\u016fmyslov\u00e9 revoluce\u201c.<\/span><\/p>\n

To je sen glob\u00e1ln\u00ed elity a t\u011bchto instituc\u00ed \u2013 MMF\/OSN, BIS, WEF, Sv\u011btov\u00e9 banky a dal\u0161\u00edch centr\u00e1ln\u00edch bank, BlackRock atd. \u2013 zav\u00e9st syst\u00e9m soci\u00e1ln\u00edch kredit\u016f propojen\u00fd s digit\u00e1ln\u00edmi identitami v tokenizovan\u00e9 spole\u010dnosti.<\/span><\/p>\n

Pokud si vzpom\u00edn\u00e1te, v listopadu jsem citoval jin\u00e9ho ekonoma MMF, profesora Yao Zeng, kter\u00fd v z\u00e1\u0159ijov\u00e9m \u010d\u00edsle \u010dasopisu\u00a0<\/span>Finance & Development,<\/span><\/em>\u00a0kter\u00fd tato skupina vyd\u00e1v\u00e1, uvedl , \u017ee \u201edigit\u00e1ln\u00ed stopy jsou nov\u00fdmi kreditn\u00edmi sk\u00f3re\u201c odvozen\u00fdmi z na\u0161ich dat shrom\u00e1\u017ed\u011bn\u00fdch um\u011blou inteligenc\u00ed.<\/span><\/p>\n

\u201ePoskytov\u00e1n\u00ed \u00fav\u011br\u016f, kdysi dom\u00e9nou bank\u00e9\u0159\u016f a \u00fav\u011brov\u00fdch poradc\u016f, se st\u00e1le v\u00edce spol\u00e9h\u00e1 na um\u011blou inteligenci a velk\u00e1 data. Nebankovn\u00ed fintech platformy vyu\u017e\u00edvaj\u00ed platebn\u00ed data a strojov\u00e9 u\u010den\u00ed ke sn\u00ed\u017een\u00ed n\u00e1klad\u016f na vyhled\u00e1v\u00e1n\u00ed, obch\u00e1zen\u00ed po\u017eadavk\u016f na zaji\u0161t\u011bn\u00ed, urychlen\u00ed schvalov\u00e1n\u00ed \u00fav\u011br\u016f a osloven\u00ed dlu\u017en\u00edk\u016f, kter\u00e9 tradi\u010dn\u00ed banky \u010dasto p\u0159ehl\u00ed\u017eej\u00ed. Data zase voln\u011bji proud\u00ed mezi dlu\u017en\u00edky a v\u011b\u0159iteli a tr\u00e9nuj\u00ed st\u00e1le p\u0159esn\u011bj\u0161\u00ed a p\u0159izp\u016fsobiv\u011bj\u0161\u00ed stroje.\u201c<\/span><\/em><\/p>\n

M\u016fj v\u00fdzkum, proveden\u00fd ve spolupr\u00e1ci s Pulakem Ghoshem z Indick\u00e9ho institutu managementu a Borisem Valleem z Harvardu, ukazuje dopad t\u00e9to situace v Indii. Mal\u00e9 podniky, kter\u00e9 se v\u00edce spol\u00e9haj\u00ed na bezhotovostn\u00ed platby s podrobnou a sledovatelnou digit\u00e1ln\u00ed stopou, z\u00edsk\u00e1vaj\u00ed lep\u0161\u00ed p\u0159\u00edstup k \u00fav\u011br\u016fm na provozn\u00ed kapit\u00e1l. Plat\u00ed ni\u017e\u0161\u00ed \u00farokov\u00e9 sazby a m\u00e9n\u011b \u010dasto propadaj\u00ed. Digit\u00e1ln\u00ed stopy jsou v podstat\u011b nov\u00fdm kreditn\u00edm sk\u00f3re.<\/span><\/em><\/p>\n

Jak je vysv\u011btleno v t\u00e9to a dal\u0161\u00edch zpr\u00e1v\u00e1ch, digit\u00e1ln\u00ed identifika\u010dn\u00ed \u010d\u00edslo\u00a0<\/span>je sou\u010d\u00e1st\u00ed<\/span><\/em>\u00a0digit\u00e1ln\u00ed sf\u00e9ry historie vyhled\u00e1v\u00e1n\u00ed a aktivity. Samotn\u00e1 aplikace je pouze jedn\u00edm z jej\u00edch aspekt\u016f. T\u00edmto zp\u016fsobem vl\u00e1dy a alternativn\u00ed experti zav\u00e1d\u011bj\u00ed znepokojen\u00e9 ob\u010dany, aby se zam\u011b\u0159ili pouze na jeden aspekt digit\u00e1ln\u00ed pasti.<\/span><\/p>\n

Jeremi\u00e1\u0161 5:26<\/span><\/strong>\u00a0V m\u00e9m lidu jsou sv\u00e9voln\u00edci, \u010d\u00edhaj\u00ed jako pasti, kladou pasti a chytaj\u00ed lidi.<\/span><\/em><\/p>\n

P\u0159ipome\u0148me si, \u017ee zem\u011b BRICS podepsaly deklaraci, v n\u00ed\u017e potvrzuj\u00ed MMF jako centrum glob\u00e1ln\u00edch financ\u00ed. Pln\u011b podporuj\u00ed tuto drakonickou tyranii.<\/span><\/p>\n<\/div>\n<\/div>\n

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Zdroj<\/span><\/a><\/span><\/h3>\n

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

\u201eFintech \u0159e\u0161\u00ed toto dilema vyu\u017eit\u00edm r\u016fzn\u00fdch nefinan\u010dn\u00edch dat: typu prohl\u00ed\u017ee\u010de a hardwaru pou\u017eit\u00e9ho pro p\u0159\u00edstup…<\/p>\n","protected":false},"author":2,"featured_media":96323,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[45,2320,940,1504],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/96322"}],"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=96322"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/96322\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/96323"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=96322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=96322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=96322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}