{"id":30582,"date":"2025-11-13T16:41:12","date_gmt":"2025-11-13T15:41:12","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/kyc-to-musite-vedet-o-know-your-customer\/"},"modified":"2026-10-27T17:10:23","modified_gmt":"2026-10-27T16:10:23","slug":"kyc-to-musite-vedet-o-know-your-customer","status":"publish","type":"post","link":"https:\/\/nect.com\/cs\/media\/blog\/kyc-to-musite-vedet-o-know-your-customer\/","title":{"rendered":"KYC \u2013 To mus\u00edte v\u011bd\u011bt o \u201eKnow Your Customer\u201c"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30582\" class=\"elementor elementor-30582 elementor-29632\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21b18c1 e-flex e-con-boxed e-con e-parent\" data-id=\"21b18c1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c014a9 elementor-widget elementor-widget-text-editor\" data-id=\"0c014a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ve st\u00e1le digit\u00e1ln\u011bj\u0161\u00edm sv\u011bt\u011b, kde online transakce a obchody p\u0159ib\u00fdvaj\u00ed, m\u00e1 identifikace z\u00e1kazn\u00edk\u016f pro firmy z\u00e1sadn\u00ed v\u00fdznam.<br\/>Zjist\u011bte, jak firmy identifikuj\u00ed z\u00e1kazn\u00edky a jak mohou optimalizovat <a href=\"https:\/\/nect.com\/cs\/produkty\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">proces identifikace z\u00e1kazn\u00edk\u016f<\/a> \u2013 KYC.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d177f0 e-con-full e-flex e-con e-child\" data-id=\"5d177f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01691b0 elementor-widget elementor-widget-heading\" data-id=\"01691b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nejd\u016fle\u017eit\u011bj\u0161\u00ed ve zkratce<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-177d3c7 elementor-widget elementor-widget-text-editor\" data-id=\"177d3c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Depozit\u00e1\u0159 pro d\u016fchodov\u00e9 spo\u0159en\u00ed (AVD) startuje v roce 2027 a stav\u00ed poji\u0161\u0165ovny, banky a neobrokery do p\u0159\u00edm\u00e9 konkurence.<\/li><li>KYC a identifikace se st\u00e1vaj\u00ed kl\u00ed\u010dov\u00fdm faktorem pro konverzi, z\u00e1kaznickou zku\u0161enost a compliance.<\/li><li>Kdo v\u010das optimalizuje digit\u00e1ln\u00ed procesy uzav\u00edr\u00e1n\u00ed smluv, zajist\u00ed si konkuren\u010dn\u00ed v\u00fdhodu p\u0159ed startem na trhu.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daf1884 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"daf1884\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tObsah\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__daf1884\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__daf1884\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__daf1884\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f201ff6 e-con-full e-flex e-con e-child\" data-id=\"f201ff6\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da7b06e elementor-widget elementor-widget-spacer\" data-id=\"da7b06e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8306e34 elementor-widget elementor-widget-heading\" data-id=\"8306e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Co znamen\u00e1 zkratka KYC?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57b38c2 elementor-widget elementor-widget-text-editor\" data-id=\"57b38c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKYC znamen\u00e1 \u201eKnow Your Customer\u201c a ozna\u010duje proces, p\u0159i kter\u00e9m firmy ov\u011b\u0159uj\u00ed identitu a d\u016fv\u011bryhodnost sv\u00fdch z\u00e1kazn\u00edk\u016f.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ae1115 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"9ae1115\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c4b920 elementor-widget elementor-widget-heading\" data-id=\"7c4b920\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Definice: Co je KYC a pro\u010d je d\u016fle\u017eit\u00e9?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78d1bc2 elementor-widget elementor-widget-text-editor\" data-id=\"78d1bc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKYC je proces, u kter\u00e9ho je na prvn\u00edm m\u00edst\u011b ov\u011b\u0159en\u00ed: firmy mus\u00ed zajistit, \u017ee jejich z\u00e1kazn\u00edci jsou skute\u010dn\u011b t\u011bmi osobami, za kter\u00e9 se vyd\u00e1vaj\u00ed. To zahrnuje kontrolu doklad\u016f toto\u017enosti, jako jsou ob\u010dansk\u00e9 pr\u016fkazy, \u0159idi\u010dsk\u00e9 pr\u016fkazy nebo cestovn\u00ed pasy, a dal\u0161\u00edch informac\u00ed, jako jsou doklady o adrese nebo bankovn\u00ed spojen\u00ed. Pat\u0159\u00ed sem i hodnocen\u00ed rizik z\u00e1kazn\u00edk\u016f. Smyslem KYC je zajistit, aby firmy neobchodovaly s potenci\u00e1ln\u011b podvodn\u00fdmi nebo neleg\u00e1ln\u00edmi z\u00e1kazn\u00edky. Krom\u011b toho pom\u00e1h\u00e1 KYC firm\u00e1m plnit povinnosti vypl\u00fdvaj\u00edc\u00ed z dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e8b3bc elementor-widget elementor-widget-heading\" data-id=\"1e8b3bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kdy bylo KYC zavedeno?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4de6a2 elementor-widget elementor-widget-text-editor\" data-id=\"c4de6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tVznik z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pen\u011bz dne 30. listopadu 1993 znamenal i zaveden\u00ed proces\u016f KYC. Novela z 21. srpna 2008 prob\u011bhla v r\u00e1mci z\u00e1kona o optimalizaci prevence pran\u00ed \u0161pinav\u00fdch pen\u011bz, zn\u00e1m\u00e9ho jako Geldw\u00e4scheoptimierungsgesetz (GwOptG). Od t\u00e9 doby je pr\u016fb\u011b\u017en\u011b aktualizov\u00e1n a upravov\u00e1n. Procesy Know Your Customer jsou rovn\u011b\u017e d\u00e1le zp\u0159\u00eds\u0148ov\u00e1ny.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-169a5d6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"169a5d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5478931 elementor-widget elementor-widget-heading\" data-id=\"5478931\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">V\u00fdznam Know Your Customer pro firmy <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeda9b3 elementor-widget elementor-widget-text-editor\" data-id=\"aeda9b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKYC m\u00e1 pro firmy velk\u00fd v\u00fdznam, proto\u017ee jim pom\u00e1h\u00e1 minimalizovat riziko podvodu a pran\u00ed \u0161pinav\u00fdch pen\u011bz. T\u00edm, \u017ee firmy ov\u011b\u0159uj\u00ed identitu sv\u00fdch z\u00e1kazn\u00edk\u016f, mohou zabr\u00e1nit tomu, aby obchodovaly s osobami, kter\u00e9 cht\u011bj\u00ed jejich slu\u017eby vyu\u017e\u00edt k neleg\u00e1ln\u00edm \u00fa\u010del\u016fm. Krom\u011b toho m\u016f\u017ee KYC firm\u00e1m pomoci zajistit dodr\u017eov\u00e1n\u00ed platn\u00fdch p\u0159edpis\u016f a vyhnout se pokut\u00e1m \u010di jin\u00fdm pr\u00e1vn\u00edm d\u016fsledk\u016fm.  \n\nDodr\u017eov\u00e1n\u00edm p\u0159edpis\u016f KYC si firmy mohou zachovat svou integritu, pos\u00edlit d\u016fv\u011bru sv\u00fdch z\u00e1kazn\u00edk\u016f a vyhnout se pr\u00e1vn\u00edm d\u016fsledk\u016fm.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-841c64b elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"841c64b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f876413 elementor-widget elementor-widget-heading\" data-id=\"f876413\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Co \u0159\u00edk\u00e1 z\u00e1kon o pran\u00ed \u0161pinav\u00fdch pen\u011bz ke KYC? Kdy mus\u00ed b\u00fdt prov\u011b\u0159en\u00ed provedeno? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f819d24 elementor-widget elementor-widget-heading\" data-id=\"f819d24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">V\u00fd\u0148atek ze z\u00e1kona a vysv\u011btlen\u00ed<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cafc634 elementor-widget elementor-widget-text-editor\" data-id=\"cafc634\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Know Your Customer nen\u00ed pojem, kter\u00fd by se vyskytoval p\u0159\u00edmo v z\u00e1kon\u011b o pran\u00ed \u0161pinav\u00fdch pen\u011bz (GwG). V GwG se hovo\u0159\u00ed o \u201eobecn\u00e9 povinnosti n\u00e1le\u017eit\u00e9 p\u00e9\u010de\u201c. Jeliko\u017e je tento pojem velmi t\u011b\u017ekop\u00e1dn\u00fd, pou\u017e\u00edv\u00e1 se rad\u011bji v\u00fdraz \u201eKnow Your Customer\u201c. Obecn\u00e9 povinnosti n\u00e1le\u017eit\u00e9 p\u00e9\u010de mus\u00ed dodr\u017eovat v\u0161echny povinn\u00e9 osoby, ne\u017e dojde k nav\u00e1z\u00e1n\u00ed obchodn\u00edho vztahu. Je to upraveno v     <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__10.html\" target=\"_blank\" rel=\"noopener\">\u00a7 10 odst. 1 GwG <\/a>:  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be76edc e-con-full e-flex e-con e-child\" data-id=\"be76edc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52c2228 elementor-widget elementor-widget-text-editor\" data-id=\"52c2228\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>\u201e(1) Obecn\u00fdmi povinnostmi n\u00e1le\u017eit\u00e9 p\u00e9\u010de jsou:<\/em><\/p><p><em>identifikace smluvn\u00edho partnera, p\u0159\u00edpadn\u011b osoby jednaj\u00edc\u00ed jeho jm\u00e9nem, podle \u00a7 11 odst. 4 a \u00a7 12 odst. 1 a 2, a ov\u011b\u0159en\u00ed, zda je osoba jednaj\u00edc\u00ed za smluvn\u00edho partnera k tomu opr\u00e1vn\u011bna,<\/em><\/p><p><em>zji\u0161t\u011bn\u00ed, zda smluvn\u00ed partner jedn\u00e1 za skute\u010dn\u00e9ho majitele, a pokud ano, identifikace skute\u010dn\u00e9ho majitele podle \u00a7 11 odst. 5 a \u00a7 12 odst. 3 a 4; to zahrnuje v p\u0159\u00edpadech, kdy smluvn\u00ed partner nen\u00ed fyzickou osobou, povinnost zjistit p\u0159im\u011b\u0159en\u00fdmi prost\u0159edky vlastnickou a kontroln\u00ed strukturu smluvn\u00edho partnera,<\/em><\/p><p><em>z\u00edsk\u00e1n\u00ed a vyhodnocen\u00ed informac\u00ed o \u00fa\u010delu a zam\u00fd\u0161len\u00e9 povaze obchodn\u00edho vztahu, pokud tyto informace v jednotliv\u00e9m p\u0159\u00edpad\u011b je\u0161t\u011b jednozna\u010dn\u011b nevypl\u00fdvaj\u00ed ze samotn\u00e9ho obchodn\u00edho vztahu,<\/em><\/p><p><em>zji\u0161t\u011bn\u00ed, zda je smluvn\u00ed partner nebo skute\u010dn\u00fd majitel politicky exponovanou osobou, jej\u00edm rodinn\u00fdm p\u0159\u00edslu\u0161n\u00edkem nebo osobou j\u00ed zn\u00e1m\u011b bl\u00edzkou, a to pomoc\u00ed p\u0159im\u011b\u0159en\u00fdch, na riziko zam\u011b\u0159en\u00fdch postup\u016f, a<\/em><\/p><p><em>pr\u016fb\u011b\u017en\u00e9 sledov\u00e1n\u00ed obchodn\u00edho vztahu, v\u010detn\u011b transakc\u00ed, kter\u00e9 jsou v jeho pr\u016fb\u011bhu prov\u00e1d\u011bny, za \u00fa\u010delem zaji\u0161t\u011bn\u00ed, aby tyto transakce odpov\u00eddaly<\/em><\/p><p><em>dokument\u016fm a informac\u00edm, kter\u00e9 m\u00e1 povinn\u00e1 osoba k dispozici o smluvn\u00edm partnerovi, p\u0159\u00edpadn\u011b o skute\u010dn\u00e9m majiteli, o jejich podnikatelsk\u00e9 \u010dinnosti a profilu z\u00e1kazn\u00edka, a,<\/em><\/p><p><em>pokud je to nezbytn\u00e9, informac\u00edm, kter\u00e9 m\u00e1 povinn\u00e1 osoba k dispozici o p\u016fvodu majetkov\u00fdch hodnot;<\/em><\/p><p><em>v r\u00e1mci pr\u016fb\u011b\u017en\u00e9ho sledov\u00e1n\u00ed mus\u00ed povinn\u00e9 osoby zajistit, aby byly p\u0159\u00edslu\u0161n\u00e9 dokumenty, \u00fadaje nebo informace s ohledem na dan\u00e9 riziko aktualizov\u00e1ny v p\u0159im\u011b\u0159en\u00fdch \u010dasov\u00fdch intervalech.\u201c<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d58ee2 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"1d58ee2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cbb441 elementor-widget elementor-widget-heading\" data-id=\"4cbb441\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Kdo je povinen prov\u00e1d\u011bt prov\u011b\u0159en\u00ed KYC?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a57cba elementor-widget elementor-widget-text-editor\" data-id=\"5a57cba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f KYC m\u00e1 z\u00e1sadn\u00ed v\u00fdznam zejm\u00e9na pro povinn\u00e9 osoby podle z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pen\u011bz. <\/p><p>P\u0159\u00edkladem jsou: <\/p><ul><li aria-level=\"1\">Banky<\/li><li aria-level=\"1\">Poji\u0161\u0165ovny<\/li><li aria-level=\"1\">Advok\u00e1ti<\/li><li aria-level=\"1\">Not\u00e1\u0159i<\/li><li aria-level=\"1\">Da\u0148ov\u00ed poradci<\/li><li aria-level=\"1\">Obchodn\u00edci se zbo\u017e\u00edm<\/li><li aria-level=\"1\">Realitn\u00ed makl\u00e9\u0159i<\/li><\/ul><p>Tyto firmy jsou ze z\u00e1kona povinny prov\u00e1d\u011bt postupy KYC, aby zajistily, \u017ee neobchoduj\u00ed s osobami \u010di organizacemi zapojen\u00fdmi do neleg\u00e1ln\u00edch aktivit. Zaveden\u00edm \u00fa\u010dinn\u00fdch opat\u0159en\u00ed KYC mohou povinn\u00e9 osoby pos\u00edlit d\u016fv\u011bru sv\u00fdch z\u00e1kazn\u00edk\u016f a minimalizovat riziko finan\u010dn\u00edch ztr\u00e1t v d\u016fsledku podvodu nebo pran\u00ed \u0161pinav\u00fdch pen\u011bz. <\/p><p>KYC m\u016f\u017ee m\u00edt v\u00fdznam i v dal\u0161\u00edch odv\u011btv\u00edch. Nap\u0159\u00edklad online platformy nab\u00edzej\u00edc\u00ed platebn\u00ed slu\u017eby mus\u00ed zav\u00e9st postupy KYC, aby zajistily, \u017ee jejich z\u00e1kazn\u00edci prov\u00e1d\u011bj\u00ed legitimn\u00ed transakce. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a69cc9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"4a69cc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ceb8f4b e-con-full e-flex e-con e-child\" data-id=\"ceb8f4b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c8b7099 elementor-widget elementor-widget-heading\" data-id=\"c8b7099\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jak\u00e9 po\u017eadavky mus\u00ed b\u00fdt spln\u011bny?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ecba4b elementor-widget elementor-widget-text-editor\" data-id=\"4ecba4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Minim\u00e1ln\u00ed po\u017eadavky obecn\u00e9 povinnosti n\u00e1le\u017eit\u00e9 p\u00e9\u010de podle z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pen\u011bz (GwG) lze shrnout takto:<\/p><ul><li>Identifikace smluvn\u00edch partner\u016f<\/li><li>Identifikace skute\u010dn\u00e9ho majitele<\/li><li>Hodnocen\u00ed rizik<\/li><li>Dokumentace<\/li><li>\u0160kolen\u00ed a zvy\u0161ov\u00e1n\u00ed pov\u011bdom\u00ed<\/li><li>Hl\u00e1\u0161en\u00ed podez\u0159el\u00fdch p\u0159\u00edpad\u016f<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feba536 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"feba536\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-440e1ce elementor-widget elementor-widget-heading\" data-id=\"440e1ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jak se KYC projevuje v oblasti kryptom\u011bn?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-253bc1b elementor-widget elementor-widget-text-editor\" data-id=\"253bc1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tRovn\u011b\u017e firmy v oblasti kryptom\u011bn mus\u00ed prov\u00e1d\u011bt postupy KYC, aby zajistily, \u017ee jejich z\u00e1kazn\u00edci neprov\u00e1d\u011bj\u00ed neleg\u00e1ln\u00ed aktivity souvisej\u00edc\u00ed s digit\u00e1ln\u00edmi aktivy.\n\nFirmy v oblasti kryptom\u011bn nesm\u00ed p\u0159ij\u00edmat z\u00e1kazn\u00edky bez p\u0159edchoz\u00edho proveden\u00ed kontroly KYC. Z\u00e1kazn\u00edci t\u011bchto platforem \u010dasto zast\u00e1vaj\u00ed n\u00e1zor, \u017ee ov\u011b\u0159ov\u00e1n\u00ed identity odporuje \u201ekodexu\u201c kryptom\u011bn. Transakce s kryptom\u011bnami slibuj\u00ed anonymitu, proto je zde podez\u0159en\u00ed na neleg\u00e1ln\u00ed praktiky z podstaty vysok\u00e9. Provozovatel\u00e9 krypto platforem by si m\u011bli b\u00fdt v\u011bdomi, \u017ee onboarding u\u017eivatel\u016f bez KYC s sebou nese v\u00e1\u017en\u00e9 regulatorn\u00ed d\u016fsledky.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f48782d elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f48782d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30e0851 elementor-widget elementor-widget-heading\" data-id=\"30e0851\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">V\u00fdzvy a \u0159e\u0161en\u00ed v procesu KYC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-364ecd6 elementor-widget elementor-widget-text-editor\" data-id=\"364ecd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A\u010dkoliv m\u00e1 KYC z\u00e1sadn\u00ed v\u00fdznam, p\u0159in\u00e1\u0161\u00ed firm\u00e1m i ur\u010dit\u00e9 v\u00fdzvy.<\/p><p>Prov\u00e1d\u011bn\u00ed postup\u016f KYC v\u0161ak pro firmy m\u016f\u017ee znamenat i v\u00fdzvy. Shroma\u017e\u010fov\u00e1n\u00ed a ov\u011b\u0159ov\u00e1n\u00ed doklad\u016f toto\u017enosti vy\u017eaduje \u010das a zdroje. Firmy nav\u00edc mus\u00ed zajistit dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f na ochranu osobn\u00edch \u00fadaj\u016f a odpov\u00eddaj\u00edc\u00ed ochranu citliv\u00fdch informac\u00ed sv\u00fdch z\u00e1kazn\u00edk\u016f. Zaveden\u00ed automatizovan\u00fdch syst\u00e9m\u016f KYC m\u016f\u017ee firm\u00e1m pomoci u\u010dinit proces efektivn\u011bj\u0161\u00edm a n\u00e1kladov\u011b v\u00fdhodn\u011bj\u0161\u00edm.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-931ec05 elementor-widget elementor-widget-heading\" data-id=\"931ec05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u010cast\u00e9 v\u00fdzvy p\u0159i ov\u011b\u0159ov\u00e1n\u00ed z\u00e1kazn\u00edk\u016f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0583a85 elementor-widget elementor-widget-text-editor\" data-id=\"0583a85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tJednou z nej\u010dast\u011bj\u0161\u00edch v\u00fdzev p\u0159i identifikaci z\u00e1kazn\u00edk\u016f je shroma\u017e\u010fov\u00e1n\u00ed a ov\u011b\u0159ov\u00e1n\u00ed rozs\u00e1hl\u00fdch doklad\u016f toto\u017enosti. Firmy mus\u00ed zajistit, \u017ee maj\u00ed k dispozici v\u0161echny pot\u0159ebn\u00e9 informace a \u017ee jsou spr\u00e1vn\u00e9. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df34e98 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"df34e98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f1e3d8 elementor-widget elementor-widget-heading\" data-id=\"0f1e3d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Strategie pro zlep\u0161en\u00ed procesu KYC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f9759c elementor-widget elementor-widget-text-editor\" data-id=\"9f9759c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>K optimalizaci procesu KYC mohou firmy vyu\u017e\u00edvat technologie jako um\u011bl\u00e1 inteligence a strojov\u00e9 u\u010den\u00ed. Tyto technologie mohou pomoci identifikovat rizika podvodu a u\u010dinit cel\u00fd proces efektivn\u011bj\u0161\u00edm a p\u0159esn\u011bj\u0161\u00edm. <\/p><p>KYC m\u00e1 pro firmy z\u00e1sadn\u00ed v\u00fdznam z hlediska minimalizace rizika podvodu a pran\u00ed \u0161pinav\u00fdch pen\u011bz a zaji\u0161t\u011bn\u00ed dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f. D\u00edky vyu\u017eit\u00ed technologi\u00ed a zaveden\u00ed \u00fa\u010dinn\u00fdch strategi\u00ed mohou firmy proces KYC zlep\u0161it a z\u00e1rove\u0148 l\u00e9pe identifikovat sv\u00e9 z\u00e1kazn\u00edky. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3530caa elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"3530caa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-447529a e-con-full e-flex e-con e-child\" data-id=\"447529a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f7abf elementor-widget elementor-widget-heading\" data-id=\"b3f7abf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jak pom\u00e1h\u00e1 Nect?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4501ada elementor-widget elementor-widget-text-editor\" data-id=\"4501ada\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUrychlete sv\u00e9 procesy dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f bez n\u00e1mahy a pr\u00e1vn\u011b bezpe\u010dn\u011b: Objevte Nect, osv\u011bd\u010denou platformu pro <b>pr\u00e1vn\u00edky, da\u0148ov\u00e9 poradce, not\u00e1\u0159e, auditory a realitn\u00ed makl\u00e9\u0159e<\/b>. Za\u0161lete n\u00e1m popt\u00e1vku a zajist\u011bte si p\u0159\u00edstup k efektivn\u00edm, bezpe\u010dn\u00fdm a komfortn\u00edm \u0159e\u0161en\u00edm pro sv\u00e9 klienty \u2013 vyu\u017eijte nyn\u00ed osv\u011bd\u010denou volbu mnoha renomovan\u00fdch kancel\u00e1\u0159\u00ed. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42ba5cd elementor-widget elementor-widget-image\" data-id=\"42ba5cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-30358\" alt=\"Prohl\u00ed\u017ee\u010d s hodnocen\u00edm rizik KYB KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8016289 elementor-widget elementor-widget-button\" data-id=\"8016289\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Domluvit demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7823539 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"7823539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd8e1d4 elementor-widget elementor-widget-heading\" data-id=\"bd8e1d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jednotliv\u00e9 f\u00e1ze procesu KYC<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd49736 elementor-widget elementor-widget-text-editor\" data-id=\"bd49736\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tProces KYC se skl\u00e1d\u00e1 z n\u011bkolika f\u00e1z\u00ed, jejich\u017e c\u00edlem je ov\u011b\u0159it identitu a d\u016fv\u011bryhodnost z\u00e1kazn\u00edk\u016f.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09e555a elementor-widget elementor-widget-heading\" data-id=\"09e555a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. CIP \u2013 Customer Identification Program neboli politika p\u0159ij\u00edm\u00e1n\u00ed z\u00e1kazn\u00edk\u016f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b974f elementor-widget elementor-widget-text-editor\" data-id=\"65b974f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tProces KYC je ned\u00edlnou sou\u010d\u00e1st\u00ed politiky p\u0159ij\u00edm\u00e1n\u00ed z\u00e1kazn\u00edk\u016f (CIP) firmy. Politika p\u0159ij\u00edm\u00e1n\u00ed z\u00e1kazn\u00edk\u016f stanovuje po\u017eadavky, kter\u00e9 mus\u00ed z\u00e1kazn\u00edci splnit, aby byli firmou p\u0159ijati. To m\u016f\u017ee vy\u017eadovat p\u0159edlo\u017een\u00ed ur\u010dit\u00fdch dokument\u016f, nap\u0159\u00edklad dokladu toto\u017enosti.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc777f8 elementor-widget elementor-widget-heading\" data-id=\"cc777f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. CDD \u2013 Due diligence z\u00e1kazn\u00edka<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed3b25 elementor-widget elementor-widget-text-editor\" data-id=\"6ed3b25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPo spln\u011bn\u00ed politiky p\u0159ij\u00edm\u00e1n\u00ed z\u00e1kazn\u00edk\u016f n\u00e1sleduje due diligence z\u00e1kazn\u00edka (CDD). Due diligence z\u00e1kazn\u00edka zahrnuje ov\u011b\u0159en\u00ed informac\u00ed a dokument\u016f p\u0159edlo\u017een\u00fdch z\u00e1kazn\u00edky, aby bylo zaji\u0161t\u011bno, \u017ee jsou spr\u00e1vn\u00e9 a spolehliv\u00e9. To \u010dasto zahrnuje kontrolu doklad\u016f toto\u017enosti a porovn\u00e1n\u00ed informac\u00ed s extern\u00edmi datab\u00e1zemi.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-172f618 elementor-widget elementor-widget-heading\" data-id=\"172f618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. EDD \u2013 Roz\u0161\u00ed\u0159en\u00e1 due diligence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec5f2c9 elementor-widget elementor-widget-text-editor\" data-id=\"ec5f2c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tU z\u00e1kazn\u00edk\u016f s vy\u0161\u0161\u00edm rizikov\u00fdm potenci\u00e1lem se prov\u00e1d\u00ed roz\u0161\u00ed\u0159en\u00e1 due diligence (EDD). Roz\u0161\u00ed\u0159en\u00e1 due diligence zahrnuje dodate\u010dn\u00e9 kontroly a \u0161et\u0159en\u00ed, aby bylo zaji\u0161t\u011bno p\u0159im\u011b\u0159en\u00e9 vyhodnocen\u00ed rizika. To m\u016f\u017ee zahrnovat ov\u011b\u0159en\u00ed zdroj\u016f majetku, obchodn\u00edch vztah\u016f nebo politick\u00e9 exponovanosti.  \n\nProces KYC je d\u016fle\u017eit\u00fdm krokem k zaji\u0161t\u011bn\u00ed toho, aby firmy znaly sv\u00e9 z\u00e1kazn\u00edky a minimalizovaly riziko pran\u00ed \u0161pinav\u00fdch pen\u011bz, financov\u00e1n\u00ed terorismu a dal\u0161\u00edch neleg\u00e1ln\u00edch aktivit.\n\nJednotliv\u00e9 f\u00e1ze <b>procesu<\/b> jsou kl\u00ed\u010dov\u00e9 pro bezpe\u010dnost a integritu finan\u010dn\u00edho syst\u00e9mu a p\u0159isp\u00edvaj\u00ed k pos\u00edlen\u00ed d\u016fv\u011bry z\u00e1kazn\u00edk\u016f ve firmy.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f35761e elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f35761e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7ed426 elementor-widget elementor-widget-heading\" data-id=\"e7ed426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Role Know Your Customer v \u0159\u00edzen\u00ed rizik<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c518701 elementor-widget elementor-widget-text-editor\" data-id=\"c518701\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKYC hraje d\u016fle\u017eitou roli v \u0159\u00edzen\u00ed rizik firem, zejm\u00e9na pokud jde o prevenci podvod\u016f a compliance.\n\n\u0158\u00edzen\u00ed rizik je z\u00e1sadn\u00edm aspektem pro zaji\u0161t\u011bn\u00ed finan\u010dn\u00ed stability a integrity firem. \u00da\u010dinn\u00e1 prevence podvod\u016f a compliance jsou p\u0159i tom nezbytn\u00e9. KYC, neboli \u201eKnow Your Customer\u201c, je proces, kter\u00fd firm\u00e1m pom\u00e1h\u00e1 ov\u011b\u0159ovat identitu sv\u00fdch z\u00e1kazn\u00edk\u016f a vyhodnocovat mo\u017en\u00e1 rizika.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6242ec5 elementor-widget elementor-widget-heading\" data-id=\"6242ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">KYC a prevence podvod\u016f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bde518 elementor-widget elementor-widget-text-editor\" data-id=\"1bde518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>T\u00edm, \u017ee firmy ov\u011b\u0159uj\u00ed identitu sv\u00fdch z\u00e1kazn\u00edk\u016f a vyhodnocuj\u00ed mo\u017en\u00e1 rizika, mohou rozpoznat a zabr\u00e1nit potenci\u00e1ln\u011b podvodn\u00fdm transakc\u00edm. To jim pom\u00e1h\u00e1 minimalizovat finan\u010dn\u00ed ztr\u00e1ty a udr\u017eet si d\u016fv\u011bru sv\u00fdch z\u00e1kazn\u00edk\u016f. <\/p><p>Podvod je roz\u0161\u00ed\u0159en\u00fdm probl\u00e9mem, kter\u00fd m\u016f\u017ee firm\u00e1m zp\u016fsobit zna\u010dn\u00e9 finan\u010dn\u00ed \u0161kody. Zaveden\u00edm \u00fa\u010dinn\u00e9ho procesu KYC mohou firmy v\u010das rozpoznat podez\u0159el\u00e9 aktivity a p\u0159ijmout vhodn\u00e1 opat\u0159en\u00ed k prevenci podvodu. To zahrnuje ov\u011b\u0159ov\u00e1n\u00ed identity a bonity z\u00e1kazn\u00edk\u016f, anal\u00fdzu transak\u010dn\u00edch vzorc\u016f a vyu\u017e\u00edv\u00e1n\u00ed technologi\u00ed, jako je um\u011bl\u00e1 inteligence, k identifikaci podez\u0159el\u00fdch aktivit.  <\/p><p>Krom\u011b toho umo\u017e\u0148uje KYC firm\u00e1m l\u00e9pe porozum\u011bt sv\u00fdm z\u00e1kazn\u00edk\u016fm a analyzovat jejich chov\u00e1n\u00ed. Shroma\u017e\u010fov\u00e1n\u00edm a anal\u00fdzou dat mohou firmy rozpoznat vzorce a trendy, kter\u00e9 by mohly nazna\u010dovat podvodn\u00e9 aktivity. To jim umo\u017e\u0148uje proaktivn\u011b p\u0159ij\u00edmat opat\u0159en\u00ed a \u00fa\u010dinn\u011b bojovat proti podvod\u016fm.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6167f37 elementor-widget elementor-widget-heading\" data-id=\"6167f37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">KYC a compliance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-177f8f0 elementor-widget elementor-widget-text-editor\" data-id=\"177f8f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKYC je ned\u00edlnou sou\u010d\u00e1st\u00ed po\u017eadavk\u016f na compliance, kter\u00fdm firmy podl\u00e9haj\u00ed. Ov\u011b\u0159ov\u00e1n\u00edm identity sv\u00fdch z\u00e1kazn\u00edk\u016f mohou firmy zajistit dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f pro boj proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a zabr\u00e1nit tomu, aby byly zapojeny do neleg\u00e1ln\u00edch aktivit. \n\nDodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f compliance m\u00e1 pro firmy z\u00e1sadn\u00ed v\u00fdznam z hlediska minimalizace pr\u00e1vn\u00edch a finan\u010dn\u00edch rizik. KYC umo\u017e\u0148uje firm\u00e1m ov\u011b\u0159ovat identitu sv\u00fdch z\u00e1kazn\u00edk\u016f a zajistit, \u017ee neobchoduj\u00ed s osobami \u010di organizacemi zapojen\u00fdmi do neleg\u00e1ln\u00edch aktivit. \n\nProcesy KYC zahrnuj\u00ed kontrolu doklad\u016f toto\u017enosti, ov\u011b\u0159en\u00ed bonity z\u00e1kazn\u00edk\u016f a prov\u00e1d\u011bn\u00ed kontrol v\u016f\u010di sank\u010dn\u00edm seznam\u016fm. D\u00edky t\u011bmto opat\u0159en\u00edm mohou firmy zajistit, \u017ee neobchoduj\u00ed s osobami \u010di organizacemi, kter\u00e9 jsou na mezin\u00e1rodn\u00edch sank\u010dn\u00edch seznamech nebo jsou zapojeny do neleg\u00e1ln\u00edch aktivit. \n\nDodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f compliance nen\u00ed pouze pr\u00e1vn\u00ed povinnost\u00ed, ale tak\u00e9 d\u016fle\u017eitou sou\u010d\u00e1st\u00ed \u0159\u00edzen\u00ed reputace. Firmy, kter\u00e9 pe\u010dliv\u011b prov\u011b\u0159uj\u00ed sv\u00e9 z\u00e1kazn\u00edky a zaji\u0161\u0165uj\u00ed, \u017ee neobchoduj\u00ed s krimin\u00e1ln\u00edmi organizacemi \u010di osobami, mohou pos\u00edlit svou pov\u011bst a d\u016fv\u011bru u z\u00e1kazn\u00edk\u016f, obchodn\u00edch partner\u016f a dozorov\u00fdch org\u00e1n\u016f. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-357d918 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"357d918\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bbbdc0 elementor-widget elementor-widget-heading\" data-id=\"2bbbdc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Technologie a Know Your Customer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de133b6 elementor-widget elementor-widget-text-editor\" data-id=\"de133b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIntegrace technologi\u00ed do procesu KYC m\u016f\u017ee firm\u00e1m pomoci pracovat efektivn\u011bji a p\u0159esn\u011bji.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba6e323 elementor-widget elementor-widget-heading\" data-id=\"ba6e323\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Role technologi\u00ed v procesu KYC<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf6117 elementor-widget elementor-widget-text-editor\" data-id=\"3bf6117\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTechnologie umo\u017e\u0148uj\u00ed firm\u00e1m elektronicky ov\u011b\u0159ovat doklady toto\u017enosti a automaticky porovn\u00e1vat informace. To \u0161et\u0159\u00ed \u010das a sni\u017euje lidsk\u00e9 chyby. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c03e0 elementor-widget elementor-widget-heading\" data-id=\"c8c03e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Automatizace a KYC<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3b1d07 elementor-widget elementor-widget-text-editor\" data-id=\"f3b1d07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tD\u00edky automatizaci postup\u016f KYC mohou firmy zpracov\u00e1vat data rychleji a efektivn\u011bji. To jim umo\u017e\u0148uje rychleji identifikovat z\u00e1kazn\u00edky a rychleji uzav\u00edrat obchody. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Zjist\u011bte, jak firmy identifikuj\u00ed z\u00e1kazn\u00edky a jak mohou optimalizovat proces identifikace z\u00e1kazn\u00edk\u016f (KYC).<\/p>\n","protected":false},"author":1,"featured_media":30583,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[737],"tags":[772,739,738],"class_list":["post-30582","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-prevence-podvodu","tag-regulace","tag-soulad-s-predpisy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>KYC \u1405 To mus\u00edte v\u011bd\u011bt o \u201eKnow Your Customer\u201c - Nect<\/title>\n<meta name=\"description\" content=\"KYC znamen\u00e1 \u2192 Know Your Customer! Jako povinn\u00e1 osoba podle z\u00e1kona o pran\u00ed \u0161pinav\u00fdch pen\u011bz mus\u00edte prov\u011b\u0159ovat sv\u00e9 z\u00e1kazn\u00edky \u2192 V\u0161echny informace v na\u0161em pr\u016fvodci\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nect.com\/cs\/media\/blog\/kyc-to-musite-vedet-o-know-your-customer\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KYC \u2013 To mus\u00edte v\u011bd\u011bt o \u201eKnow Your Customer\u201c\" \/>\n<meta property=\"og:description\" content=\"KYC znamen\u00e1 \u2192 Know Your Customer! 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