{"id":1324,"date":"2022-11-28T19:56:21","date_gmt":"2022-11-28T18:56:21","guid":{"rendered":"https:\/\/strategie24.cz\/?p=1324"},"modified":"2023-08-15T06:25:55","modified_gmt":"2023-08-15T04:25:55","slug":"dcera-postovni-banky-rozbiha-byznys-prodej-na-splatky-je-zastaraly","status":"publish","type":"post","link":"https:\/\/strategie24.cz\/?p=1324","title":{"rendered":"Dcera Po\u0161tovn\u00ed banky rozb\u00edh\u00e1 byznys. Prodej na spl\u00e1tky je zastaral\u00fd"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Nebankovka Ahoj jde do byznysu odlo\u017een\u00fdch plateb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spot\u0159ebitelsk\u00e9 a spl\u00e1tkov\u00e9 \u00fav\u011bry za\u017e\u00edvaj\u00ed v posledn\u00edch t\u0159ech-\u010dty\u0159\u00edch letech \u00fatlum. Pandemie covidu ho jen pos\u00edlila.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle kv\u011btnov\u00e9 zpr\u00e1vy N\u00e1rodn\u00ed banky Slovenska (NBS) pokles spot\u0159ebn\u00edho financov\u00e1n\u00ed zaznamenaly zejm\u00e9na nebankovn\u00ed spole\u010dnosti: &#8222;V roce 2020 se jejich portfolio zmen\u0161ilo o 10 procent.&#8220;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jedn\u00edm z d\u016fvod\u016f je i to, \u017ee spot\u0159ebitelsk\u00e9 \u00fav\u011bry jsou p\u0159\u00edli\u0161 drah\u00e9. Slovensk\u00e9 \u00farokov\u00e9 sazby kolem osmi procent ro\u010dn\u011b pat\u0159\u00ed mezi nejvy\u0161\u0161\u00ed v euroz\u00f3n\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nep\u0159\u00edzniv\u00fd trend se nov\u011b sna\u017e\u00ed zvr\u00e1tit nebankovka Ahoj (do \u010dervna Amico Finance), pat\u0159\u00edc\u00ed do struktur Po\u0161tovn\u00ed banky z portfolia skupiny J&amp;T.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zm\u011bnil n\u00e1zev i r\u00e9toriku<br>Po\u0161tovn\u00ed banka koupila Amico Finance p\u0159ed t\u0159emi lety. M\u00e1 v n\u011bm 95procentn\u00ed pod\u00edl, zb\u00fdvaj\u00edc\u00edch p\u011bt procent dr\u017e\u00ed bratr slovensk\u00e9ho exprezidenta Jaroslav Kiska, kte\u0159\u00ed v minulosti s Andrejem Kiskem zbohatli pr\u00e1v\u011b na prodeji p\u016fj\u010dek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Byznys Amica se spl\u00e1tkov\u00fdm prodejem u\u017e tehdy za\u017e\u00edval zat\u011b\u017ek\u00e1vac\u00ed obdob\u00ed. Uk\u00e1zalo se, \u017ee poskytov\u00e1n\u00ed \u00fav\u011br\u016f na spl\u00e1tky ji\u017e nen\u00ed tak lukrativn\u00ed jako p\u0159ed deseti lety.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Krom\u011b vysok\u00fdch \u00farok\u016f to zp\u016fsobuj\u00ed i \u200b\u200bprovize, kter\u00e9 spl\u00e1tkov\u00e9 spole\u010dnosti plat\u00ed obchodn\u00edm s\u00edt\u00edm za to, \u017ee v jejich provozech mohou poskytovat spl\u00e1tkov\u00e9 \u00fav\u011bry, nap\u0159\u00edklad p\u0159i prodeji chladni\u010dek nebo pra\u010dek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Koncem lo\u0148sk\u00e9ho roku Amico dostalo nov\u00e9 veden\u00ed, kter\u00e9 zav\u00e1d\u00ed nov\u00fd byznysov\u00fd model, kop\u00edruj\u00edc\u00ed \u00fav\u011brov\u00e9 trendy ze zahrani\u010d\u00ed. U\u017e p\u0159ejmenov\u00e1n\u00ed na Ahoj m\u00e1 nazna\u010dovat, \u017ee firma se odkl\u00e1n\u00ed od sv\u011bta tradi\u010dn\u00edch nebankovek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eChceme se st\u00e1t slovensk\u00fdm fintechem ve stylu \u0161v\u00e9dsk\u00e9 Klarny,\u201c \u0159\u00edk\u00e1 pro INDEX p\u0159edseda p\u0159edstavenstva spole\u010dnosti Ahoj Marek \u0160upa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Klarnu nezmi\u0148uje n\u00e1hodou. Je jedn\u00edm z nejv\u00fdrazn\u011bj\u0161\u00edch hr\u00e1\u010d\u016f v segmentu takzvan\u00fdch odlo\u017een\u00fdch plateb (Buy Now Pay Later \u2013 BNPL), kter\u00fd ve sv\u011bt\u011b za\u017e\u00edv\u00e1 obrovsk\u00fd boom. V podstat\u011b se jedn\u00e1 o novou generaci spl\u00e1tkov\u00e9ho prodeje v prost\u0159ed\u00ed e-shop\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Klarna se v tomto byznysu uchytila \u200b\u200bl\u00e9pe ne\u017e v\u011bt\u0161ina konkurent\u016f. Odr\u00e1\u017e\u00ed se to i na jej\u00ed rostouc\u00ed hodnot\u011b, kter\u00e1 v sou\u010dasnosti dosahuje 46 miliard americk\u00fdch dolar\u016f. Reklamu j\u00ed d\u011bl\u00e1 raper Snoop Dog, kter\u00fd je z\u00e1rove\u0148 jedn\u00edm z jej\u00edch prvn\u00edch investor\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak to funguje<br>Skupin\u011b Po\u0161tovn\u00ed banky (od \u010dervence to bude skupina 365.bank) maj\u00ed odlo\u017een\u00e9 platby pod zna\u010dkou Ahoj vytvo\u0159it t\u0159et\u00ed retailovou nohu k tradi\u010dn\u00edmu a online bankovnictv\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V sousedn\u00edm \u010cesku u\u017e BNPL rozjely dv\u011b zna\u010dky &#8211; Twisto a Mall Pay. Na Slovensku je zat\u00edm tato oblast finan\u010dn\u00edch slu\u017eeb neprob\u00e1dan\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spole\u010dnost Ahoj spustila odlo\u017een\u00e9 platby potichu minul\u00fd t\u00fdden ve spolupr\u00e1ci s n\u011bkter\u00fdmi men\u0161\u00edmi e-shopy. S dal\u0161\u00edmi podepisuje smlouvy o spolupr\u00e1ci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eDo poloviny \u010dervence budeme k dispozici v\u0161em e-shop\u016fm, kter\u00e9 b\u011b\u017e\u00ed na nejv\u011bt\u0161\u00edch redak\u010dn\u00edch syst\u00e9mech Creative Sites, Shoptet, Prestashop \u010di Magento,\u201c tvrd\u00ed \u0160upa. Tyto syst\u00e9my vyu\u017e\u00edvaj\u00ed tak\u00e9 nejzn\u00e1m\u011bj\u0161\u00ed online obchody od Alzy po Nay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na e-shopech p\u0159ibude k dob\u00edrce, bankovn\u00edmu p\u0159evodu \u010di kreditce nov\u00e1 platebn\u00ed metoda Ahoj. Z\u00e1kazn\u00edkovi umo\u017en\u00ed obstarat zbo\u017e\u00ed s t\u00edm, \u017ee za n\u011bj m\u016f\u017ee zaplatit a\u017e o 30 dn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na podzim chce Ahoj spustit je\u0161t\u011b rozd\u011blen\u00ed platby na t\u0159i \u010d\u00e1sti. \u201eP\u0159edstavte si, \u017ee si chcete po\u0159\u00eddit dra\u017e\u0161\u00ed tenisky za 150 eur. Prvn\u00edch 50 eur zaplat\u00edte po p\u0159evzet\u00ed zbo\u017e\u00ed, o m\u011bs\u00edc zaplat\u00edte dal\u0161\u00edch 50 eur ao dal\u0161\u00ed m\u011bs\u00edc zb\u00fdvaj\u00edc\u00edch 50 eur. Produkt je bez \u00faro\u010den\u00ed,\u201c vysv\u011btluje \u0160upa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mikrop\u016fj\u010dky s m\u011bs\u00ed\u010dn\u00ed splatnost\u00ed se nezapisuj\u00ed do \u00fav\u011brov\u00e9ho registru, jako je tomu v p\u0159\u00edpad\u011b jin\u00fdch \u00fav\u011br\u016f. Klient m\u016f\u017ee ka\u017ed\u00fd m\u011bs\u00edc k n\u00e1kupu vyu\u017e\u00edt kredit od 20 do 300 eur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i prvn\u00edm n\u00e1kupu je horn\u00ed limit jen 150 eur \u2013 slou\u017e\u00ed k tomu, aby si nebankovka ov\u011b\u0159ila platebn\u00ed chov\u00e1n\u00ed klienta. Kdy\u017e dodr\u017e\u00ed splatnost, \u00fav\u011brov\u00fd r\u00e1mec se zv\u00fd\u0161\u00ed na maximum, tedy 300 eur.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159idejte se k n\u00e1m a rozv\u00edjejte sv\u00e9 dovednosti. Nab\u00eddka zam\u011bstn\u00e1n\u00ed <a href=\"https:\/\/www.jenprace.cz\/nabidka\/b06r0j\/bankovni-a-pojistovaci-poradce-posta-tachov\">bankovn\u00ed a poji\u0161\u0165ovac\u00ed poradce<\/a> je zde! <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Kontrola pomoc\u00ed AI<br>Z\u00e1kazn\u00edk p\u0159i odlo\u017een\u00fdch platb\u00e1ch nevypl\u0148uje \u00fadaje o platebn\u00ed kart\u011b, krom\u011b jm\u00e9na a adresy v\u0161ak zad\u00e1v\u00e1 \u010d\u00edslo ob\u010dansk\u00e9ho pr\u016fkazu a rodn\u00e9 \u010d\u00edslo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eNa pozad\u00ed b\u011b\u017e\u00ed mno\u017estv\u00ed kontrol, na jejich\u017e z\u00e1klad\u011b se sna\u017e\u00edme zjistit, zda klient spl\u0148uje rizikov\u00fd profil k tomu, abychom mu zprost\u0159edkovali odlo\u017eenou platbu,\u201c vysv\u011btluje \u0160upa. Odhaduje, \u017ee 75 a\u017e 80 procent\u016fm klient\u016fm ov\u011b\u0159ovac\u00ed syst\u00e9m d\u00e1 zelenou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nebankovka spol\u00e9h\u00e1 nejen na informace z nebankovn\u00edho registru dlu\u017en\u00edk\u016f, ale spolupracuje tak\u00e9 s \u010desk\u00fdm fintechem Resistant AI, jeho\u017e slu\u017eby vyu\u017e\u00edv\u00e1 i \u010desk\u00e9 Twisto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Resistant AI vyu\u017e\u00edv\u00e1 technologie pokro\u010dil\u00e9 um\u011bl\u00e9 inteligence (AI). Hl\u00edd\u00e1, aby klient neobe\u0161el syst\u00e9my, kter\u00e9 v \u00fav\u011brov\u00fdch spole\u010dnostech rozhoduj\u00ed o tom, kdo dostane a kdo nedostane p\u016fj\u010dku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kde jsou v tom pen\u00edze<br>Odlo\u017een\u00e9 platby jsou bez nav\u00fd\u0161en\u00ed a poplatk\u016f (v p\u0159\u00edpad\u011b, \u017ee klient zaplat\u00ed v\u010das). P\u0159esto v nich Ahoj vid\u00ed nov\u00fd zdroj p\u0159\u00edjm\u016f, proto\u017ee monetizace je nastavena p\u0159esn\u011b opa\u010dn\u011b ne\u017e v p\u0159\u00edpad\u011b spl\u00e1tkov\u00e9ho prodeje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zat\u00edmco p\u0159i spl\u00e1tkov\u00e9m prodeji plat\u00ed nebankovn\u00ed spole\u010dnost provize obchodn\u00ed s\u00edti, p\u0159i odlo\u017een\u00fdch platb\u00e1ch ji nebankovka \u00fa\u010dtuje e-shopu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nap\u0159\u00edklad Klarna m\u00e1 provizi ve v\u00fd\u0161i t\u0159i a\u017e p\u011bt procent z hodnoty n\u00e1kupu. Jak ji nastav\u00ed Ahoj, to \u0160upa neprozrazuje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle n\u011bj se v\u0161ak jedn\u00e1 o win-win strategii, ze kter\u00e9 vyt\u011b\u017e\u00ed i internetov\u00fd obchod. Argumentuje, \u017ee odlo\u017een\u00e9 platby podle zku\u0161enost\u00ed ze zahrani\u010d\u00ed zvy\u0161uj\u00ed konverzn\u00ed pom\u011br na dokon\u010den\u00fd n\u00e1kup, celkov\u00fd obrat d\u00edky nim stoupne o 20 a\u017e 30 procent a objem ko\u0161\u00edku se nafoukne v pr\u016fm\u011bru o polovinu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mo\u017en\u00fdm zdrojem p\u0159\u00edjm\u016f jsou i klienti, kte\u0159\u00ed nezaplat\u00ed v\u010das. V takov\u00e9m p\u0159\u00edpad\u011b n\u00e1sleduje standardn\u00ed proces vym\u00e1h\u00e1n\u00ed spl\u00e1tky jako u jin\u00fdch spl\u00e1tkov\u00fdch produkt\u016f. Klient mus\u00ed po\u010d\u00edtat is \u00faroky z prodlen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0160upovou ambic\u00ed je, aby se Ahoj do dvou let stal jednou ze dvou nejobl\u00edben\u011bj\u0161\u00edch platebn\u00edch metod na Slovensku. Vych\u00e1z\u00ed z anal\u00fdz, kter\u00e9 vyhodnocuj\u00ed potenci\u00e1l BNPL produkt\u016f ve sv\u011bt\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle nich si odlo\u017eenou platbu do roku 2025 vyzkou\u0161\u00ed ka\u017ed\u00fd druh\u00fd obyvatel zem\u011bkoule, konzervativn\u011bj\u0161\u00ed odhady hovo\u0159\u00ed o ka\u017ed\u00e9m des\u00e1t\u00e9m. Zahrani\u010dn\u00ed BNPL platformy tvrd\u00ed, \u017ee b\u011b\u017en\u00fd z\u00e1kazn\u00edk tuto slu\u017ebu vyu\u017eije v pr\u016fm\u011bru 20kr\u00e1t za rok.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rad\u011bji \u00faspory<br>Odlo\u017een\u00e1 platba nen\u00ed produkt tradi\u010dn\u00edch spl\u00e1tkov\u00fdch prodej\u016f ur\u010den\u00fdch k n\u00e1kupu velk\u00e9 b\u00edl\u00e9 techniky, ale sp\u00ed\u0161e b\u011b\u017en\u00e9ho zbo\u017e\u00ed, kter\u00e9 je levn\u011bj\u0161\u00ed. Vyu\u017e\u00edv\u00e1 se p\u0159i n\u00e1kupu oble\u010den\u00ed nebo men\u0161\u00ed elektroniky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firmy, kter\u00e9 v tomto byznysu podnikaj\u00ed, tvrd\u00ed, \u017ee odlo\u017een\u00e1 platba je zp\u016fsob, jak rychle a levn\u011b nakupovat. Lid\u00e9 si nemus\u00ed br\u00e1t drah\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry, ale v p\u0159\u00edpad\u011b pot\u0159eby si n\u00e1klady rozd\u011bl\u00ed do n\u011bkolika m\u011bs\u00edc\u016f. Z\u00e1rove\u0148 si zlep\u0161\u00ed rodinn\u00e9 cash flow, pokud nutn\u011b pot\u0159ebuj\u00ed n\u011bco koupit do dom\u00e1cnosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e1kav\u00e1 nab\u00eddka p\u0159in\u00e1\u0161\u00ed ale i jin\u00fd pohled. \u201eRizikem jak\u00fdchkoli spl\u00e1tkov\u00fdch syst\u00e9m\u016f, kter\u00e9 odkl\u00e1daj\u00ed povinnost zaplacen\u00ed za dodan\u00e9 zbo\u017e\u00ed, respektive slu\u017ebu na pozd\u011bji, je, \u017ee vytv\u00e1\u0159ej\u00ed n\u00e1vyk p\u016fj\u010dovat si. Tedy ne pl\u00e1novat vy\u0161\u0161\u00ed v\u00fddaje p\u0159edem a takto si vytv\u00e1\u0159et finan\u010dn\u00ed rezervu, ale zadlu\u017eovat se,\u201c vysv\u011btluje v\u00fdkonn\u00fd \u0159editel port\u00e1lu Finan\u010dn\u00ed kompas Maro\u0161 Ov\u010darik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U mlad\u00fdch lid\u00ed je podle Ov\u010darika toto riziko vy\u0161\u0161\u00ed ne\u017e u star\u0161\u00edch. \u201ePokud se lid\u00e9 dostanou do takov\u00e9ho syst\u00e9mu, lze o\u010dek\u00e1vat, \u017ee budou dost\u00e1vat postupn\u011b nov\u00e9 a nov\u00e9 nab\u00eddky na zvy\u0161ov\u00e1n\u00ed limit\u016f pro takov\u00e9 platby,\u201c dod\u00e1v\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle Marka \u0160upy to v\u0161ak nen\u00ed p\u0159\u00edpad odlo\u017een\u00e9 platby. Pokud klient jednodu\u0161e nem\u00e1 k dispozici pen\u00edze, je mo\u017enost odlo\u017een\u00e9 platby podle n\u011bj v\u00fdhodn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed ne\u017e kreditn\u00ed karta, nebo\u0165 se jedn\u00e1 o bez\u00faro\u010dn\u00e9 financov\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kl\u00ed\u010dov\u00e1 bude aplikace<br>Marek \u0160upa se vy\u0161\u0161\u00edm \u00fav\u011brov\u00fdm limit\u016fm pro ov\u011b\u0159en\u00e9 klienty do budoucna nebr\u00e1n\u00ed, p\u0159esto\u017ee o pl\u00e1nech hovo\u0159\u00ed velmi opatrn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nechce z\u016fstat u jednoho-dvou produkt\u016f, ale postupn\u011b p\u0159idat dal\u0161\u00ed slu\u017eby, aby si ov\u011b\u0159en\u00ed klienti mohli nakoupit za v\u00edce ne\u017e t\u0159i sta eur. Uva\u017euje nap\u0159\u00edklad o revolvingov\u00e9m \u00fav\u011bru. Na rozd\u00edl od kreditn\u00ed karty m\u00e1 b\u00fdt poplatkov\u011b transparentn\u011bj\u0161\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kl\u00ed\u010dovou roli m\u00e1 sehr\u00e1t mobiln\u00ed aplikace, jej\u00ed\u017e spu\u0161t\u011bn\u00ed pl\u00e1nuje Ahoj na p\u0159elomu let. Zat\u00edmco nyn\u00ed Ahoj upozorn\u00ed klienta na bl\u00ed\u017e\u00edc\u00ed splatnost \u00fav\u011bru esemeskou nebo e-mailem, v p\u0159\u00edpad\u011b aplikace mu p\u0159ijde push notifikace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aplikace je tak\u00e9 nejd\u016fle\u017eit\u011bj\u0161\u00ed prodejn\u00ed n\u00e1stroj \u0161v\u00e9dsk\u00e9 Klarny. Jej\u00ed klienti ji\u017e nechod\u00ed na jednotliv\u00e9 e-shopy, nakupuj\u00ed p\u0159\u00edmo v aplikaci Klarny, kter\u00e1 jim na z\u00e1klad\u011b personalizovan\u00fdch dat zobrazuje aktu\u00e1ln\u00ed nab\u00eddku a slevy internetov\u00fdch obchod\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nebankovka Ahoj jde do byznysu odlo\u017een\u00fdch plateb. Spot\u0159ebitelsk\u00e9 a spl\u00e1tkov\u00e9 \u00fav\u011bry za\u017e\u00edvaj\u00ed v posledn\u00edch t\u0159ech-\u010dty\u0159\u00edch letech \u00fatlum. Pandemie covidu ho jen pos\u00edlila. Podle kv\u011btnov\u00e9 zpr\u00e1vy N\u00e1rodn\u00ed banky Slovenska (NBS) pokles spot\u0159ebn\u00edho financov\u00e1n\u00ed zaznamenaly zejm\u00e9na nebankovn\u00ed spole\u010dnosti: &#8222;V roce 2020 se jejich portfolio zmen\u0161ilo o 10 procent.&#8220; Jedn\u00edm z d\u016fvod\u016f je i to, \u017ee spot\u0159ebitelsk\u00e9 \u00fav\u011bry [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1325,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[447],"tags":[],"class_list":["post-1324","post","type-post","status-publish","format-standard","has-post-thumbnail","category-aktuality"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1324","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1324"}],"version-history":[{"count":2,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1324\/revisions"}],"predecessor-version":[{"id":1499,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/posts\/1324\/revisions\/1499"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=\/wp\/v2\/media\/1325"}],"wp:attachment":[{"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/strategie24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}