{"id":2401,"date":"2025-11-27T13:45:13","date_gmt":"2025-11-27T13:45:13","guid":{"rendered":"https:\/\/www.iforbes.cz\/?p=2401"},"modified":"2025-11-27T13:45:13","modified_gmt":"2025-11-27T13:45:13","slug":"fintech-pod-tlakem-jpmorgan-zavadi-placeny-pristup-k-datum-klientu","status":"publish","type":"post","link":"https:\/\/www.iforbes.cz\/index.php\/2025\/11\/27\/fintech-pod-tlakem-jpmorgan-zavadi-placeny-pristup-k-datum-klientu\/","title":{"rendered":"Fintech pod tlakem. JPMorgan zav\u00e1d\u00ed placen\u00fd p\u0159\u00edstup k dat\u016fm klient\u016f"},"content":{"rendered":"\n<p><strong>V srdci Manhattanu se ned\u00e1vno odehr\u00e1l relativn\u011b nen\u00e1padn\u00fd, ale o to z\u00e1sadn\u011bj\u0161\u00ed moment, kter\u00fd m\u016f\u017ee p\u0159edefinovat budoucnost americk\u00e9ho finan\u010dn\u00edho sektoru. JPMorgan Chase, nejv\u011bt\u0161\u00ed americk\u00e1 banka podle aktiv a vklad\u016f, ozn\u00e1mila uzav\u0159en\u00ed historick\u00fdch dohod se v\u0161emi hlavn\u00edmi fintech zprost\u0159edkovateli, kte\u0159\u00ed stoj\u00ed za v\u011bt\u0161inou datov\u00fdch po\u017eadavk\u016f t\u0159et\u00edch stran v zemi.<\/strong><\/p>\n\n\n\n<p><strong>Americk\u00fd open banking<\/strong><\/p>\n\n\n\n<p>Konflikt mezi bankami a fintech startupy o to, kdo m\u00e1 platit za p\u0159\u00edstup k \u00fadaj\u016fm klient\u016f se t\u00e1hne u\u017e n\u011bkolik let. Aktu\u00e1ln\u011b se ale situace posunula do bodu, kdy m\u016f\u017eeme vid\u011bt prvn\u00ed kompromis. JPMorgan toti\u017eto nov\u011b za\u010dne inkasovat platby za API p\u0159\u00edstup k dat\u016fm, \u010d\u00edm\u017e se ve sv\u00e9 podstat\u011b m\u011bn\u00ed samotn\u00e1 podstata open bankingu ve Spojen\u00fdch st\u00e1tech. \u201eSmlouvy ud\u011blaj\u00ed ekosyst\u00e9m otev\u0159en\u00e9ho bankovnictv\u00ed bezpe\u010dn\u011bj\u0161\u00edm a udr\u017eiteln\u011bj\u0161\u00edm, umo\u017en\u00ed klient\u016fm nad\u00e1le spolehliv\u011b a bezpe\u010dn\u011b pou\u017e\u00edvat sv\u00e9 obl\u00edben\u00e9 finan\u010dn\u00ed produkty, trh zafungoval,\u201c uvedl mluv\u010d\u00ed banky Drew Pusateri.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" width=\"605\" height=\"419\" src=\"https:\/\/www.iforbes.cz\/wp-content\/uploads\/2025\/11\/image-2.png\" alt=\"Obsah obr\u00e1zku text, \u0159ada\/pruh, Vykreslen\u00fd graf, P\u00edsmo\n\nObsah generovan\u00fd pomoc\u00ed AI m\u016f\u017ee b\u00fdt nespr\u00e1vn\u00fd.\" class=\"wp-image-2402\" srcset=\"https:\/\/www.iforbes.cz\/wp-content\/uploads\/2025\/11\/image-2.png 605w, https:\/\/www.iforbes.cz\/wp-content\/uploads\/2025\/11\/image-2-300x208.png 300w, https:\/\/www.iforbes.cz\/wp-content\/uploads\/2025\/11\/image-2-392x272.png 392w, https:\/\/www.iforbes.cz\/wp-content\/uploads\/2025\/11\/image-2-130x90.png 130w, https:\/\/www.iforbes.cz\/wp-content\/uploads\/2025\/11\/image-2-600x417.png 600w\" sizes=\"(max-width: 605px) 100vw, 605px\" \/><figcaption>V\u00fdkonnost ceny akci\u00ed spole\u010dnosti JPMorgan Chase za posledn\u00edch p\u011bt let* Zdroj: TradingEconomics<\/figcaption><\/figure><\/div>\n\n\n\n<p>Na druhou stranu, situaci je t\u0159eba vn\u00edmat o n\u011bco komplexn\u011bji \u2013 banky poprv\u00e9 z\u00edsk\u00e1vaj\u00ed re\u00e1lnou kontrolu nad datov\u00fdmi toky, kter\u00e9 poh\u00e1n\u011bj\u00ed fintech ekosyst\u00e9m.<\/p>\n\n\n\n<p><strong>Od regulace k monetizaci<\/strong><\/p>\n\n\n\n<p>Jak jsme nazna\u010dili v\u00fd\u0161e, banka JPMorgan k t\u00e9to dohod\u011b nep\u0159i\u0161la n\u00e1hodou. V r\u00e1mci gen\u00e9zy soudn\u00edch pojedn\u00e1v\u00e1n\u00ed je kl\u00ed\u010dov\u00e9 vyzdvihnout zlom v roce 2024, kdy Consumer Financial Protection Bureau (CFPB) p\u0159ijal takzvan\u00e9 open banking pravidlo, na\u0159izuj\u00edc\u00ed bank\u00e1m bezplatn\u00e9 sd\u00edlen\u00ed dat. Po n\u00e1stupu administrativy Donalda Trumpa se v\u0161ak situace z\u00e1sadn\u011b oto\u010dila. V kv\u011btnu 2025 vl\u00e1da po\u017e\u00e1dala feder\u00e1ln\u00ed soud, aby se pravidlo s okam\u017eitou platnost\u00ed zru\u0161ilo. Tento krok tak otev\u0159el cestu pro nov\u00fd tr\u017en\u00ed model, kde se data m\u011bn\u00ed p\u0159\u00edmo na komer\u010dn\u00ed tovar. V n\u00e1vaznosti na to JPMorgan okam\u017eit\u011b ozn\u00e1mila z\u00e1m\u011br \u00fa\u010dtovat fintech firm\u00e1m stovky milion\u016f USD.<\/p>\n\n\n\n<p><strong>Dlouhodob\u00fd potenci\u00e1l<\/strong><\/p>\n\n\n\n<p>Pochopiteln\u011b, JPMorgan dos\u00e1hla vytou\u017een\u00e9 strategick\u00e9 \u0159e\u0161en\u00ed. Banka z\u00edsk\u00e1v\u00e1 nov\u00fd, a hlavn\u011b stabiln\u00ed zdroj p\u0159\u00edjm\u016f mimo tradi\u010dn\u00ed \u00fav\u011brov\u00e9 a investi\u010dn\u00ed bankovnictv\u00ed \u2013 tentokr\u00e1t z oblasti datov\u00e9 infrastruktury. P\u0159\u00edstupov\u00e9 poplatky od velk\u00fdch fintech firem mohou p\u0159in\u00e9st stovky milion\u016f USD ro\u010dn\u011b, p\u0159i\u010dem\u017e z\u00e1rove\u0148 umo\u017e\u0148uj\u00ed bance financovat v\u00fdvoj a \u00fadr\u017ebu sv\u00fdch API syst\u00e9m\u016f.<\/p>\n\n\n\n<p>D\u016fle\u017eit\u011bj\u0161\u00ed v\u0161ak je, \u017ee JPMorgan si touto dohodou zabezpe\u010duje pozici br\u00e1ny k finan\u010dn\u00edm dat\u016fm, kterou mus\u00ed proj\u00edt v\u0161echny p\u0159edn\u00ed fintech aplikace. V neposledn\u00ed \u0159ad\u011b, bance se dlouhodob\u011b da\u0159\u00ed i na burze, od za\u010d\u00e1tku nov\u00e9 dek\u00e1dy zaznamen\u00e1v\u00e1 stabiln\u00ed v\u00fdvoj ceny akci\u00ed, p\u0159i\u010dem\u017e leto\u0161n\u00ed nav\u00fd\u0161en\u00ed hodnoty spole\u010dnosti je zat\u00edm v\u00edce ne\u017e 25 %.<\/p>\n\n\n\n<p><strong>David Matulay, analytik <\/strong><a rel=\"noreferrer noopener\" href=\"https:\/\/investingfox.com\/cs\" target=\"_blank\"><strong>InvestingFox<\/strong><\/a><\/p>\n\n\n\n<p><em>Foto: AdobeStock<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>V srdci Manhattanu se ned\u00e1vno odehr\u00e1l relativn\u011b nen\u00e1padn\u00fd, ale o to z\u00e1sadn\u011bj\u0161\u00ed moment, kter\u00fd m\u016f\u017ee p\u0159edefinovat budoucnost americk\u00e9ho finan\u010dn\u00edho sektoru.<\/p>\n","protected":false},"author":1,"featured_media":2403,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout"},"categories":[58],"tags":[350,526,190,268,525],"_links":{"self":[{"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/posts\/2401"}],"collection":[{"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/comments?post=2401"}],"version-history":[{"count":1,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/posts\/2401\/revisions"}],"predecessor-version":[{"id":2404,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/posts\/2401\/revisions\/2404"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/media\/2403"}],"wp:attachment":[{"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/media?parent=2401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/categories?post=2401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.iforbes.cz\/index.php\/wp-json\/wp\/v2\/tags?post=2401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}