{"id":97381,"date":"2026-01-21T00:22:42","date_gmt":"2026-01-20T23:22:42","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=97381"},"modified":"2026-01-20T11:45:07","modified_gmt":"2026-01-20T10:45:07","slug":"jp-morgan-oznamuje-konec-hotovosti-biometrie-blockchain-a-digitalni-identifikacni-udaje-jako-novy-platebni-system","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/01\/21\/jp-morgan-oznamuje-konec-hotovosti-biometrie-blockchain-a-digitalni-identifikacni-udaje-jako-novy-platebni-system\/","title":{"rendered":"JP Morgan oznamuje konec hotovosti: Biometrie, blockchain a digit\u00e1ln\u00ed identifika\u010dn\u00ed \u00fadaje jako nov\u00fd platebn\u00ed syst\u00e9m"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p><strong><span dir=\"auto\">JP Morgan p\u0159edpov\u00edd\u00e1 siln\u00fd n\u00e1r\u016fst biometrick\u00fdch plateb \u2013 blockchain, digit\u00e1ln\u00ed pen\u011b\u017eenky a tokenizace jsou budoucnost\u00ed financ\u00ed.<\/span><\/strong><\/p>\n<p><em><span dir=\"auto\">\u201eZa\u017eijeme n\u00e1r\u016fst biometrick\u00fdch plateb, proto\u017ee tato technologie je ji\u017e sou\u010d\u00e1st\u00ed ka\u017edodenn\u00edho \u017eivota a nyn\u00ed se uplat\u0148uje i v platb\u00e1ch.\u201c<\/span><\/em><\/p>\n<p><span dir=\"auto\">JP Morgan, nejv\u011bt\u0161\u00ed americk\u00e1 banka podle aktiv a nejv\u011bt\u0161\u00ed komer\u010dn\u00ed banka na sv\u011bt\u011b, tento m\u011bs\u00edc zve\u0159ejnila\u00a0<\/span><a href=\"https:\/\/www.jpmorgan.com\/insights\/payments\/merchant-services\/payment-technology-trends-what-business-leaders-should-know\" target=\"_blank\" rel=\"noreferrer noopener\" data-type=\"link\" data-id=\"https:\/\/www.jpmorgan.com\/insights\/payments\/merchant-services\/payment-technology-trends-what-business-leaders-should-know\"><span dir=\"auto\">zpr\u00e1vu<\/span><\/a><span dir=\"auto\">\u00a0s n\u00e1zvem \u201eNavigace v budoucnosti plateb\u201c. Analytici banky o\u010dek\u00e1vaj\u00ed, \u017ee r\u016fzn\u00e9 formy biometrick\u00fdch platebn\u00edch metod budou i nad\u00e1le v\u00fdrazn\u011b r\u016fst, stejn\u011b jako \u0161ir\u0161\u00ed p\u0159ijet\u00ed transakc\u00ed zalo\u017een\u00fdch na blockchainu a tokenizovan\u00fdch m\u011bn a aktiv.<\/span><\/p>\n<p><span dir=\"auto\">Teresa Walkerov\u00e1, v\u00fdkonn\u00e1 \u0159editelka a vedouc\u00ed prodeje obchodn\u00edch slu\u017eeb ve spole\u010dnosti JP Morgan Commercial Banking, poskytla ve zpr\u00e1v\u011b sv\u00e9 post\u0159ehy.<\/span><\/p>\n<p><span dir=\"auto\">Platby v re\u00e1ln\u00e9m \u010dase (RTP) \u2013 zalo\u017een\u00e9 na infrastruktu\u0159e okam\u017eit\u00fdch plateb, jako je FedNow v USA \u2013 \u201ese st\u00e1vaj\u00ed p\u00e1te\u0159\u00ed modern\u00edch obchodn\u00edch operac\u00ed, zejm\u00e9na proto, \u017ee se spole\u010dnosti sna\u017e\u00ed optimalizovat sv\u016fj provozn\u00ed kapit\u00e1l a poskytovat bezprobl\u00e9mov\u00e9 slu\u017eby,\u201c uvedl Walker. \u201eZ\u00e1kazn\u00edci ji\u017e pou\u017e\u00edvaj\u00ed RTP k nahrazen\u00ed ACH. Sm\u011br je jasn\u00fd: nikdo nechce \u010dekat t\u0159i dny, kdy\u017e to m\u016f\u017ee m\u00edt za t\u0159i minuty.\u201c<\/span><\/p>\n<p><span dir=\"auto\">Zpr\u00e1va uv\u00e1d\u00ed, \u017ee \u201eRTP nab\u00edz\u00ed finan\u010dn\u00edm t\u00fdm\u016fm v\u011bt\u0161\u00ed transparentnost a kontrolu a z\u00e1rove\u0148 umo\u017e\u0148uje rychlej\u0161\u00ed a spolehliv\u011bj\u0161\u00ed transakce pro z\u00e1kazn\u00edky.\u201c<\/span><\/p>\n<p><span dir=\"auto\">Walker se pot\u00e9 obrac\u00ed k tokenizaci a blockchainu. A\u010dkoli je blockchain \u010dasto spojov\u00e1n s nekryt\u00fdmi kryptom\u011bnami, banka uv\u00e1d\u00ed, \u017ee \u201ejeho obchodn\u00ed hodnota spo\u010d\u00edv\u00e1 ve vytv\u00e1\u0159en\u00ed d\u016fv\u011bry a transparentnosti v platb\u00e1ch a vypo\u0159\u00e1d\u00e1n\u00edch\u201c. \u201eTechnologie distribuovan\u00e9 \u00fa\u010detn\u00ed knihy pom\u00e1h\u00e1 firm\u00e1m zjednodu\u0161it odsouhlasov\u00e1n\u00ed, omezit podvody a umo\u017enit bezpe\u010dn\u00e9 p\u0159eshrani\u010dn\u00ed transakce.\u201c<\/span><\/p>\n<p><em><span dir=\"auto\">\u201eNejv\u011bt\u0161\u00ed p\u0159ita\u017elivost blockchainu spo\u010d\u00edv\u00e1 ve zjednodu\u0161en\u00ed slo\u017eit\u00fdch platebn\u00edch proces\u016f a poskytov\u00e1n\u00ed jednotn\u00e9ho a spolehliv\u00e9ho zdroje dat pro v\u0161echny \u00fa\u010dastn\u00edky,\u201c \u0159ekl Walker. \u201eJde o urychlen\u00ed toku pen\u011bz a vytvo\u0159en\u00ed transparentnosti, kterou podniky cht\u011bj\u00ed.\u201c<\/span><\/em><br \/>\n<em><span dir=\"auto\">Mezi aplikace pat\u0159\u00ed chytr\u00e9 smlouvy pro automatizovan\u00e9 vypo\u0159\u00e1d\u00e1n\u00ed, tokenizovan\u00e9 platby a sledov\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f v re\u00e1ln\u00e9m \u010dase.<\/span><\/em><\/p>\n<p><span dir=\"auto\">Technologie blockchain v\u0161ak st\u00e1le \u010del\u00ed regula\u010dn\u00edm a provozn\u00edm v\u00fdzv\u00e1m, v\u010detn\u011b ochrany osobn\u00edch \u00fadaj\u016f, interoperability a vyv\u00edjej\u00edc\u00edch se standard\u016f dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f. \u201eVedouc\u00ed pracovn\u00edci by m\u011bli sledovat v\u00fdvoj v oblasti regulace a vyhodnocovat blockchainov\u00e1 \u0159e\u0161en\u00ed, kter\u00e1 jsou v souladu s jejich strategick\u00fdmi c\u00edli,\u201c uvedl Walker. \u201ePartnerstv\u00ed s d\u016fv\u011bryhodn\u00fdmi poskytovateli blockchainu je kl\u00ed\u010dov\u00e9 pro zvl\u00e1dnut\u00ed slo\u017eitost\u00ed jeho zav\u00e1d\u011bn\u00ed.\u201c<\/span><\/p>\n<p><span dir=\"auto\">Vzhledem k tomu, \u017ee glob\u00e1ln\u00ed spole\u010dnost nad\u00e1le p\u0159ech\u00e1z\u00ed na digit\u00e1ln\u00ed m\u011bny a tokenizaci, biometrick\u00e9 ov\u011b\u0159ov\u00e1n\u00ed \u2013 skenov\u00e1n\u00ed otisk\u016f prst\u016f, skenov\u00e1n\u00ed duhovky, rozpozn\u00e1v\u00e1n\u00ed obli\u010deje a rozpozn\u00e1v\u00e1n\u00ed hlasu \u2013 se mus\u00ed a bude rozr\u016fstat.<\/span><\/p>\n<p><span dir=\"auto\">\u201eV\u0161udyp\u0159\u00edtomnost biometrie v na\u0161ich chytr\u00fdch telefonech \u2013 jako je rozpozn\u00e1v\u00e1n\u00ed obli\u010deje \u2013 vedla k jej\u00edmu p\u0159ijet\u00ed ze strany spot\u0159ebitel\u016f,\u201c \u0159ekl Walker. \u201eMlad\u0161\u00ed generace, kter\u00e9 vyrostly s rozpozn\u00e1v\u00e1n\u00edm obli\u010deje, pravd\u011bpodobn\u011b jeho p\u0159ijet\u00ed je\u0161t\u011b urychl\u00ed.\u201c<\/span><\/p>\n<p><span dir=\"auto\">\u201eBiometrie umo\u017e\u0148uje spole\u010dnostem nab\u00edzet bezprobl\u00e9movou z\u00e1kaznickou zku\u0161enost bez kompromis\u016f v d\u016fv\u011b\u0159e,\u201c dodal Walker. \u201eV\u00fdzva spo\u010d\u00edv\u00e1 v vyv\u00e1\u017een\u00ed u\u017eivatelsk\u00e9 zku\u0161enosti s ochranou osobn\u00edch \u00fadaj\u016f a dodr\u017eov\u00e1n\u00edm p\u0159edpis\u016f. Nejlep\u0161\u00ed prax\u00ed je zajistit, aby biometrick\u00e9 \u00fadaje byly bezpe\u010dn\u011b ulo\u017eeny a pou\u017e\u00edv\u00e1ny zodpov\u011bdn\u011b v souladu s glob\u00e1ln\u00edmi standardy.\u201c<\/span><\/p>\n<p><em><span dir=\"auto\">\u201eZa\u017eijeme n\u00e1r\u016fst biometrick\u00fdch plateb, proto\u017ee tato technologie je ji\u017e sou\u010d\u00e1st\u00ed ka\u017edodenn\u00edho \u017eivota a nyn\u00ed se uplat\u0148uje i v platb\u00e1ch.\u201c<\/span><\/em><\/p>\n<p><span dir=\"auto\">V roce 2025 spole\u010dnost JP Morgan ti\u0161e zavedla bezhotovostn\u00ed biometrick\u00e9 termin\u00e1ly, kter\u00e9 z\u00e1kazn\u00edk\u016fm umo\u017e\u0148uj\u00ed platit pouh\u00fdm p\u0159ilo\u017een\u00edm ruky k termin\u00e1lu, a tak\u00e9 dal\u0161\u00ed metody.<\/span><\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\"><iframe loading=\"lazy\" title=\"\u017d\u00e1dn\u00e9 karty, \u017e\u00e1dn\u00e9 telefony: Biometrick\u00e1 revoluce v platb\u00e1ch od JP Morgan\" src=\"https:\/\/www.youtube.com\/embed\/kUvQ5lYsp1Y?feature=oembed\" width=\"800\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/figure>\n<p><span dir=\"auto\">Nov\u00fd platebn\u00ed syst\u00e9m banky byl testov\u00e1n na Velk\u00e9 cen\u011b Formule 1 v Miami v roce 2023, kter\u00e1 se kon\u00e1 na Crypto.com. Podobn\u011b jako bezkontaktn\u00ed platebn\u00ed syst\u00e9m Amazon One od Amazonu, kde z\u00e1kazn\u00edci dr\u017e\u00ed ruku nad termin\u00e1lem, nab\u00edz\u00ed JP Morgan n\u011bco srovnateln\u00e9ho, \u200b\u200bnebo skenuje obli\u010deje z\u00e1kazn\u00edk\u016f pro okam\u017eitou platbu.<\/span><\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\"><iframe loading=\"lazy\" title=\"JP MORGAN PAYMENTS NA GP MIAMI 2023\" src=\"https:\/\/www.youtube.com\/embed\/MTopN7tIuds?feature=oembed\" width=\"800\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/figure>\n<p><span dir=\"auto\">A kone\u010dn\u011b, biometrie a blockchain vy\u017eaduj\u00ed digit\u00e1ln\u00ed identifika\u010dn\u00ed pen\u011b\u017eenky. JP Morgan p\u00ed\u0161e:<\/span><\/p>\n<p><em><span dir=\"auto\">Digit\u00e1ln\u00ed pen\u011b\u017eenky ji\u017e nejsou jen pohodlnou sou\u010d\u00e1st\u00ed pro spot\u0159ebitele \u2013 st\u00e1vaj\u00ed se nezbytn\u00fdmi pro platby B2B a B2C. Vzhledem k tomu, \u017ee z\u00e1kazn\u00edci po\u017eaduj\u00ed rychlej\u0161\u00ed a flexibiln\u011bj\u0161\u00ed platebn\u00ed mo\u017enosti, mus\u00ed firmy integrovat digit\u00e1ln\u00ed pen\u011b\u017eenky do sv\u00fdch ekosyst\u00e9m\u016f.<\/span><\/em><\/p>\n<p><em><span dir=\"auto\">\u201eDigit\u00e1ln\u00ed pen\u011b\u017eenky p\u0159\u00edmo reaguj\u00ed na m\u011bn\u00edc\u00ed se o\u010dek\u00e1v\u00e1n\u00ed z\u00e1kazn\u00edk\u016f ohledn\u011b rychlosti, jednoduchosti a v\u00fdb\u011bru,\u201c \u0159ekl Walker. \u201ePersonalizovan\u00e9 z\u00e1\u017eitky jsou kl\u00ed\u010dov\u00e9. Nap\u0159\u00edklad jeden popul\u00e1rn\u00ed poskytovatel digit\u00e1ln\u00edch pen\u011b\u017eenek umo\u017e\u0148uje z\u00e1kazn\u00edk\u016fm zakoupit p\u011bt d\u00e1rk\u016f od jednoho prodejce a poslat je p\u011bti r\u016fzn\u00fdm lidem. To je z\u00e1\u017eitek, kter\u00fd spot\u0159ebitel\u00e9 cht\u011bj\u00ed. V\u011brnostn\u00ed programy a personalizovan\u00e9 slu\u017eby jsou kl\u00ed\u010dov\u00fdmi rozli\u0161ovac\u00edmi znaky.\u201c<\/span><\/em><\/p>\n<p><em><span dir=\"auto\">Digit\u00e1ln\u00ed pen\u011b\u017eenky pom\u00e1haj\u00ed firm\u00e1m proniknout na nov\u00e9 trhy a zv\u00fd\u0161it spokojenost z\u00e1kazn\u00edk\u016f. \u00dasp\u011b\u0161n\u00e1 integrace v\u0161ak vy\u017eaduje soulad se st\u00e1vaj\u00edc\u00edmi platebn\u00edmi syst\u00e9my, robustn\u00ed bezpe\u010dnostn\u00ed protokoly a jasnou strategii diferenciace. P\u0159i hodnocen\u00ed p\u0159ijet\u00ed digit\u00e1ln\u00edch pen\u011b\u017eenek je t\u0159eba zv\u00e1\u017eit faktory, jako je interoperabilita, dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f a spr\u00e1va z\u00e1kaznick\u00fdch dat.<\/span><\/em><\/p>\n<p><span dir=\"auto\">Z\u00e1v\u011brem Walker uvedl:<\/span><\/p>\n<p><em><span dir=\"auto\">\u201eJe z\u00e1sadn\u00ed zajistit propojen\u00ed va\u0161\u00ed infrastruktury a ekosyst\u00e9mu,\u201c \u0159ekl Walker. \u201eMnoho obchodn\u00edk\u016f postr\u00e1d\u00e1 spr\u00e1vnou technologii k dosa\u017een\u00ed tohoto c\u00edle, co\u017e m\u00e1 za n\u00e1sledek rozt\u0159\u00ed\u0161t\u011bn\u00fd z\u00e1\u017eitek a ztr\u00e1tu p\u0159\u00edjm\u016f. Investice do spr\u00e1vn\u00e9 technologie a p\u0159id\u00e1n\u00ed propojovac\u00edch prvk\u016f je nezbytn\u00e9. Organizace, kter\u00e9 p\u0159ijmou zm\u011bny a investuj\u00ed do spr\u00e1vn\u00fdch funkc\u00ed, budou m\u00edt nejlep\u0161\u00ed pozici k tomu, aby z nov\u00fdch platebn\u00edch technologi\u00ed mohly t\u011b\u017eit.\u201c<\/span><\/em><\/p>\n<p><strong><span dir=\"auto\">AUTOR\u016eV KOMENT\u00c1\u0158<\/span><\/strong><\/p>\n<p><span dir=\"auto\">Zat\u00edmco ve\u0159ejnost je o tokenizaci st\u00e1le do zna\u010dn\u00e9 m\u00edry neinformovan\u00e1 a nevzd\u011blan\u00e1, rok 2026 bude kl\u00ed\u010dov\u00fd. Budeme sv\u011bdky toho, jak st\u00e1le v\u00edce elitn\u00edch a mocn\u00fdch instituc\u00ed za\u010dne propagovat nutnost blockchainu, digit\u00e1ln\u00ed identifikace a tokenizace. Sou\u010dasn\u011b bude k dispozici v\u00edce chleba a cirkus\u016f, kter\u00e9 odvedou pozornost mas od t\u00e9to reality, zat\u00edmco se americk\u00e9 imp\u00e9rium hrout\u00ed a zoufale hled\u00e1 \u0159e\u0161en\u00ed \u2013 \u0159e\u0161en\u00ed, kter\u00fdm bude digit\u00e1ln\u00ed otroctv\u00ed maskovan\u00e9 jako \u201edemokratizace investic\u201c a \u201e\u010d\u00e1ste\u010dn\u00e9 vlastnictv\u00ed\u201c, jak to popisuje Larry Fink z BlackRocku.<\/span><\/p>\n<p><span dir=\"auto\">To n\u00e1s zjevn\u011b vede k mo\u017en\u00e9mu \u201ekone\u010dn\u00e9mu \u0159e\u0161en\u00ed\u201c:<\/span><\/p>\n<p><em><span dir=\"auto\">Zjeven\u00ed 13:16: A zp\u016fsobuje, \u017ee v\u0161ichni, mal\u00ed i velc\u00ed, bohat\u00ed i chud\u00ed, svobodn\u00ed i otroci, dostanou znamen\u00ed na pravou ruku nebo na \u010delo,<\/span><\/em><br \/>\n<em><span dir=\"auto\">[17] aby nikdo nemohl kupovat ani prod\u00e1vat, pokud nem\u00e1 znamen\u00ed nebo jm\u00e9no \u0161elmy nebo \u010d\u00edslo jej\u00edho jm\u00e9na.<\/span><\/em><br \/>\n<em><span dir=\"auto\">[18] V tom je moudrost: Kdo m\u00e1 rozum, a\u0165 spo\u010d\u00edt\u00e1 \u010d\u00edslo \u0161elmy, nebo\u0165 je to \u010d\u00edslo \u010dlov\u011bka: Jej\u00ed \u010d\u00edslo je 666.<\/span><\/em><\/p>\n<p><span style=\"font-size: 10pt;\"><a href=\"https:\/\/thewinepress.substack.com\/p\/jp-morgan-forecasts-surge-biometric?utm_source=post-email-title&amp;publication_id=832192&amp;post_id=184840499&amp;utm_campaign=email-post-title&amp;isFreemail=true&amp;r=pf6gr&amp;triedRedirect=true&amp;utm_medium=email\">ZDROJ<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>JP Morgan p\u0159edpov\u00edd\u00e1 siln\u00fd n\u00e1r\u016fst biometrick\u00fdch plateb \u2013 blockchain, digit\u00e1ln\u00ed pen\u011b\u017eenky a tokenizace jsou budoucnost\u00ed&#8230;<\/p>\n","protected":false},"author":2,"featured_media":97382,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,2196,1503,2486],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/97381"}],"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=97381"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/97381\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/97382"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=97381"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=97381"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=97381"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}