Matija Goljar: Z uporabo mobilnih denarnic bodo ljudje bolje upravljali svoje finance

Objavil/a Capo Info, dne 2018-09-25 ob 13:35:34

Zagotovo se je tudi vam že kdaj zgodilo, da pri sebi niste imeli gotovine, ko ste jo najbolj potrebovali, bančnega avtomata pa ni bilo nikjer v bližini. Ali pa ste kdaj mrzlično brskali po žepih in iskali drobiž. Rešitev za take in podobne zagate zagotovo predstavlja mobilno plačevanje, ki mu je pot tudi pri nas pred skoraj tremi leti, začela utirati najbolj inovativna mobilna denarnica mBills. V zadnjih mesecih pa se ji je na trgu pridružilo nekaj podobnih rešitev. Kako tudi ne, saj večino mobilni telefon spremlja na skoraj vsakem koraku, plačevanje z njim pa je preprosto, praktično in elegantno. O trendu mobilnega plačevanja ter o vseh prednostih, a tudi izzivih, ki jih ta prinaša, smo se pogovarjali z Matijo Goljarjem, podjetnikom, podjetniškim mentorjem in vodjo organizacije Ustvarjalnik, večini pa znanem predvsem po vlogi voditelja oddaje Štartaj, Slovenija!.

 

Telefoni v tujini, pa tudi pri nas, vse pogosteje nadomeščajo denarnice. V zadnjih letih lahko na trgu spremljamo razmah uporabe priljubljene mobilne denarnice mBills. Kako gledate na ta trend?

Mislim, da gre za trend, ki se mu ni mogoče izogniti. In zdi se mi, da je prav tako. Čisto nič ni narobe z napredkom tehnologije. Po mojem mnenju tehnološki napredek na tem področju prinaša številne neslutene prednosti – ena od teh je gotovo možnost, da imaš vse transakcije zbrane na enem mestu v elektronski obliki.

 

Kakšen potencial ima po vašem mnenju mobilno plačevanje oziroma tako imenovane mobilne denarnice?

Sam že nekaj časa živim v Londonu in tam opažam znaten upad uporabe denarja. Ljudje večinoma plačujejo z brezstičnimi karticami ali mobilnimi telefoni, denar uporabljajo le redko. Še podzemno železnico plačujemo kar s telefonom. Mislim, da gre za trend, ki se bo prej ali slej zgodil tudi v Sloveniji. Doma imamo namreč rešitev mBills, ki je plod domačega znanja in je velika inovacija na tem področju ter Slovenijo postavlja ob bok svetovnim trendom in velikim zgodbam, kot sta Danska, Nizozemska in druge. Na to moramo biti še posebej ponosni.

 

Omenjena mobilna aplikacija mBills, ki je v Sloveniji na voljo, omogoča marsikaj − od nakazovanja denarja prijateljem do plačevanja na spletu, v lokalih in trgovinah, na bencinskih servisih... Kakšna je po vašem mnenju dodana vrednost mobilne denarnice?

Vsekakor je glavna prednost zagotovo ta, da nam ni treba več s seboj nositi bankovcev in kovancev ali pa na kupe plačilnih kartic. Mobilni telefon je zagotovo naprava, ki jo ima večina ljudi vedno pri roki. In zato je mobilna denarnica zagotovo eden bolj uporabnih in elegantnih načinov plačevanja.

 

Kako sicer gledate na razvoj področja mobilnega plačevanja? Kaj bomo z njim pridobili?

Mislim, da bodo ljudje z uporabo mobilnih denarnic postali bolj finančno pismeni. Imeli bodo boljši pregled nad svojimi transakcijami. Vsekakor nam to področje prinaša veliko priložnosti – na primer ko gremo s prijatelji na pivo, damo dva telefona skupaj, plača vsak pol in je zadeva rešena.

 

Kako po vašem mnenju ljudje po svetu v primerjavi s Slovenci sprejemajo te rešitve oziroma digitalizacijo na splošno?

Mislim, da so ljudje v tujini te rešitve že sprejeli, kar je super. Človek želi stvari narediti s čim manj truda, s čim manj skrbi. In to mobilne denarnice vsekakor omogočajo. 

Vseeno pa moram biti na tem mestu tudi nekoliko družbeno odgovoren in izpostaviti težave, ki jih nove tehnologije prinašajo predvsem starejši generaciji. Nanje ne smemo pozabiti. Kar spomnimo se, kako velik izziv je pri nas predstavljal prehod iz tolarja na evro. Na koncu pa se je vse dobro izteklo in ljudje so ga sprejeli za svojega. V to jabolko bomo preprosto morali ugrizniti in se soočiti s tem izzivom ter nikakor ne zanemariti tistih, ki jim sodobne tehnologije preprosto niso blizu.

 

Eden od pomislekov, ki se v zvezi z uporabo mobilnih denarnic poraja ljudem, je varnost. Kako sami gledate na to? Na kaj bi morala biti podjetja, ki razvijajo vso to infrastrukturo, pa tudi uporabniki, pozorni?

Po mojem mnenju do težav oziroma pomislekov glede varnosti prihaja predvsem zato, ker gre za nove tehnologije. Verjetno so se tudi ob iznajdbi radia ljudje soočali s podobnimi pomisleki in zadržki. Vse dokler se to ne bo zasidralo v nas in nam postalo samoumevno, bomo na področju mobilnega plačevanja varnost izpostavljali kot težavo. Vendar po mojem mnenju digitalne tehnologije omogočajo predvsem večjo transparentnost, poleg tega pa inženirji v njihov razvoj vlagajo ogromno energije, tako da mislim, da varnost tukaj sploh ni taka težava, kot nekateri pomislijo. 

 

Torej sami zaupate podjetjem, ki razvijajo nove tehnologije, da na tem področju poskrbijo za varnost?

Seveda popolne varnosti na internetu ni, vendar pa lahko zaupamo podjetjem, ki se ukvarjajo z razvojem novih tehnologij, da so vedno korak pred tistimi, ki bi želeli njihovo storitev zlorabiti. Jaz popolnoma zaupam digitalni tehnologiji, tako da kar se tiče tega, čisto mirno spim.

 

Kakšna bo po vašem mnenju prihodnost denarja? Ali prihajamo v obdobje brezgotovinske družbe?

Zagotovo bomo postali brezgotovinska družba. Na primer na Švedskem le še manj kot dva odstotka ljudi uporabljata gotovino. Mislim, da je v interesu vseh, da gotovino nadomestijo novi načini plačevanja. Na ta način bo država lahko pobrala več davkov, svet pa bo tudi na splošno postal bolj transparenten, kar prinaša veliko koristi, morda se bo zaradi tega zmanjšala tudi korupcija med politiki. (smeh)

Pa vendar, kot sem že omenil, pri tem ne bomo smeli zapostaviti določenih skupin ljudi, ki jim digitalne tehnologije niso blizu. Kaj se bo denimo zgodilo z brezdomcem, ki prosi za drobiž? Ali pa kako bo to vplivalo na starejše, ki jim je kibernetski svet tuj? Tako kot z vsakim tehnološkim napredkom bomo morali tudi tukaj biti dovolj družbeno odgovorni in uvedbo novih tehnologij narediti dobro za celotno družbo, ne le za peščico. 

Ker se ti mudi živeti! | mBills

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