{"id":30916,"date":"2025-11-13T16:41:12","date_gmt":"2025-11-13T15:41:12","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/kyc-sto-trebate-znati-o-know-your-customer\/"},"modified":"2026-10-27T17:46:15","modified_gmt":"2026-10-27T16:46:15","slug":"kyc-sto-trebate-znati-o-know-your-customer","status":"publish","type":"post","link":"https:\/\/nect.com\/hr\/media\/blog\/kyc-sto-trebate-znati-o-know-your-customer\/","title":{"rendered":"KYC \u2013 \u0160to trebate znati o \u201eKnow Your Customer\u201d"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"30916\" class=\"elementor elementor-30916 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>U sve digitaliziranijem svijetu, u kojem su online transakcije i poslovanje sve \u010de\u0161\u0107i, identifikacija klijenata ima klju\u010dnu va\u017enost za poduze\u0107a.<br\/>Saznajte kako poduze\u0107a identificiraju klijente i kako mogu optimizirati <a href=\"https:\/\/nect.com\/hr\/proizvodi\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">proces identifikacije klijenata<\/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\">Najva\u017enije ukratko<\/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>\u0160tedni ra\u010dun za mirovinu (AVD) po\u010dinje 2027. godine i dovodi osiguravatelje, banke i neobrokere u izravnu konkurenciju.<\/li><li>KYC i identifikacija postaju klju\u010dni \u010dimbenik za konverziju, korisni\u010dko iskustvo i uskla\u0111enost s propisima.<\/li><li>Tko na vrijeme optimizira digitalne procese sklapanja ugovora, osigurava si konkurentsku prednost pri izlasku na tr\u017ei\u0161te.<\/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\tSadr\u017eaj\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\">\u0160to zna\u010di kratica 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 zna\u010di \u201eKnow Your Customer\u201d i odnosi se na proces u kojem poduze\u0107a provjeravaju identitet i pouzdanost svojih klijenata.\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\">Definicija: \u0160to je KYC i za\u0161to je va\u017ean?<\/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 kojem je verifikacija na prvom mjestu: poduze\u0107a moraju osigurati da su njihovi klijenti doista osobe za koje se izdaju. To uklju\u010duje provjeru dokaza o identitetu poput osobnih iskaznica, voza\u010dkih dozvola ili putovnica, kao i dodatnih informacija poput dokaza o adresi ili bankovnih podataka. Tu spada i procjena rizika klijenata. Svrha KYC-a jest osigurati da poduze\u0107a ne posluju s potencijalno prijevarnim ili nezakonitim klijentima. Osim toga, KYC poma\u017ee poduze\u0107ima u ispunjavanju obveza uskla\u0111enosti s propisima.    \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\">Kada je uveden KYC?<\/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\tDono\u0161enje Zakona o sprje\u010davanju pranja novca 30. studenoga 1993. ozna\u010dilo je i uvo\u0111enje KYC procesa. Izmijenjena verzija od 21. kolovoza 2008. donesena je u sklopu Zakona o optimizaciji sprje\u010davanja pranja novca, poznatog kao Zakon o optimizaciji sprje\u010davanja pranja novca (GwOptG). Od tada se zakon kontinuirano a\u017eurira i mijenja. Procesi Know Your Customer tako\u0111er se neprestano poo\u0161travaju.   \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\">Zna\u010daj Know Your Customer za poduze\u0107a <\/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 je od velike va\u017enosti za poduze\u0107a jer im poma\u017ee minimizirati rizik od prijevare i pranja novca. Provjeravaju\u0107i identitet svojih klijenata, poduze\u0107a mogu sprije\u010diti poslovanje s osobama koje \u017eele koristiti njihove usluge u nezakonite svrhe. Osim toga, KYC mo\u017ee poduze\u0107ima pomo\u0107i u osiguravanju uskla\u0111enosti s va\u017ee\u0107im propisima i izbjegavanju nov\u010danih kazni ili drugih pravnih posljedica.  \n\nPo\u0161tuju\u0107i KYC propise, poduze\u0107a mogu o\u010duvati svoj integritet, oja\u010dati povjerenje svojih klijenata i izbje\u0107i pravne posljedice.\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\">\u0160to Zakon o sprje\u010davanju pranja novca ka\u017ee o KYC-u? Kada se mora provesti provjera? <\/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\">Izvadak iz zakona i obja\u0161njenje<\/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 nije pojam koji se pojavljuje u Zakonu o sprje\u010davanju pranja novca. U GwG-u se govori o \u201eOp\u0107oj dubinskoj analizi\u201d. Budu\u0107i da je taj pojam vrlo glomazan, rado se umjesto njega koristi pojam \u201eKnow Your Customer\u201d. Op\u0107e dubinske analize moraju primjenjivati svi obveznici prije uspostave poslovnog odnosa. To je ure\u0111eno u     <a href=\"https:\/\/www.gesetze-im-internet.de\/gwg_2017\/__10.html\" target=\"_blank\" rel=\"noopener\">\u010cl. 10. st. 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) Op\u0107e dubinske analize obuhva\u0107aju:<\/em><\/p><p><em>identifikaciju ugovorne strane i, prema potrebi, osobe koja nastupa u njezino ime sukladno \u010dl. 11. st. 4. i \u010dl. 12. st. 1. i 2., kao i provjeru je li osoba koja nastupa u ime ugovorne strane za to ovla\u0161tena,<\/em><\/p><p><em>utvr\u0111ivanje djeluje li ugovorna strana u ime stvarnog vlasnika i, ako je to slu\u010daj, identifikaciju stvarnog vlasnika sukladno \u010dl. 11. st. 5. i \u010dl. 12. st. 3. i 4.; u slu\u010dajevima kada ugovorna strana nije fizi\u010dka osoba, to uklju\u010duje obvezu utvr\u0111ivanja vlasni\u010dke i kontrolne strukture ugovorne strane primjerenim sredstvima,<\/em><\/p><p><em>prikupljanje i procjenu informacija o svrsi i namjeravanoj vrsti poslovnog odnosa, ako te informacije u pojedina\u010dnom slu\u010daju ve\u0107 nedvojbeno ne proizlaze iz samog poslovnog odnosa,<\/em><\/p><p><em>utvr\u0111ivanje, primjerenim, na riziku utemeljenim postupcima, je li ugovorna strana ili stvarni vlasnik politi\u010dki izlo\u017eena osoba, \u010dlan obitelji ili osoba za koju je poznato da joj je bliska, i<\/em><\/p><p><em>kontinuirano pra\u0107enje poslovnog odnosa, uklju\u010duju\u0107i transakcije koje se tijekom njega provode, kako bi se osiguralo da su te transakcije uskla\u0111ene<\/em><\/p><p><em>s dokumentima i informacijama koje obveznik posjeduje o ugovornoj strani i, prema potrebi, o stvarnom vlasniku, o njihovoj poslovnoj djelatnosti i profilu klijenta, te,<\/em><\/p><p><em>prema potrebi, s informacijama koje obveznik posjeduje o podrijetlu imovine;<\/em><\/p><p><em>u okviru kontinuiranog pra\u0107enja obveznici moraju osigurati da se relevantni dokumenti, podaci ili informacije a\u017euriraju u primjerenim vremenskim razmacima, uzimaju\u0107i u obzir odgovaraju\u0107i rizik.\u201d<\/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\">Tko je obvezan provesti KYC provjeru?<\/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>Po\u0161tivanje KYC propisa posebno je va\u017eno za obveznike Zakona o sprje\u010davanju pranja novca. <\/p><p>To su primjerice: <\/p><ul><li aria-level=\"1\">Banke<\/li><li aria-level=\"1\">Osiguravatelji<\/li><li aria-level=\"1\">Odvjetnici<\/li><li aria-level=\"1\">Javni bilje\u017enici<\/li><li aria-level=\"1\">Porezni savjetnici<\/li><li aria-level=\"1\">Trgovci robom<\/li><li aria-level=\"1\">Agenti za nekretnine<\/li><\/ul><p>Ta su poduze\u0107a zakonski obvezna provoditi KYC postupke kako bi osigurala da ne posluju s osobama ili organizacijama uklju\u010denima u nezakonite aktivnosti. Provedbom u\u010dinkovitih KYC mjera obveznici mogu oja\u010dati povjerenje svojih klijenata i minimizirati rizik od financijskih gubitaka uslijed prijevare ili pranja novca. <\/p><p>Osim toga, KYC mo\u017ee biti va\u017ean i u drugim sektorima. Primjerice, online platforme koje nude usluge obrade pla\u0107anja moraju provoditi KYC postupke kako bi osigurale da njihovi klijenti obavljaju legitimne transakcije. <\/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\">Koji se zahtjevi moraju ispuniti?<\/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>Minimalni zahtjevi Op\u0107e dubinske analize prema Zakonu o sprje\u010davanju pranja novca (GwG) mogu se sa\u017eeti na sljede\u0107i na\u010din:<\/p><ul><li>Identifikacija ugovornih strana<\/li><li>Identifikacija stvarnog vlasnika<\/li><li>Procjena rizika<\/li><li>Dokumentacija<\/li><li>Edukacija i podizanje svijesti<\/li><li>Prijava sumnjivih slu\u010dajeva<\/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\">Kako KYC utje\u010de na \u201epodru\u010dje kriptovaluta\u201d?<\/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\tIsto tako, poduze\u0107a u podru\u010dju kriptovaluta moraju provoditi KYC postupke kako bi osigurala da njihovi klijenti ne provode nezakonite aktivnosti povezane s digitalnom imovinom.\n\nPoduze\u0107ima u podru\u010dju kriptovaluta nije dopu\u0161teno prihva\u0107ati klijente bez prethodno provedene KYC provjere. Klijenti tih platformi \u010desto smatraju da je provjera identiteta u suprotnosti s \u201ekodeksom\u201d kriptovaluta. Transakcije kriptovalutama obe\u0107avaju anonimnost, stoga je sumnja na nezakonite radnje ovdje na\u010delno visoka. Operateri kripto platformi trebali bi biti svjesni da uklju\u010divanje korisnika bez KYC provjere povla\u010di za sobom ozbiljne regulatorne posljedice.    \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\">Izazovi i rje\u0161enja u KYC procesu<\/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>Iako je KYC od velike va\u017enosti, postoje i odre\u0111eni izazovi s kojima se poduze\u0107a suo\u010davaju.<\/p><p>Provedba KYC postupaka ipak mo\u017ee poduze\u0107ima predstavljati izazov. Prikupljanje i provjera dokaza o identitetu zahtijevaju vrijeme i resurse. Osim toga, poduze\u0107a moraju osigurati uskla\u0111enost s propisima o za\u0161titi podataka i primjereno za\u0161tititi osjetljive informacije svojih klijenata. Uvo\u0111enje automatiziranih KYC sustava mo\u017ee poduze\u0107ima pomo\u0107i da proces u\u010dine u\u010dinkovitijim i isplativijim.   <\/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\">\u010cesti izazovi pri verifikaciji klijenata<\/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\tJedan od naj\u010de\u0161\u0107ih izazova pri identifikaciji klijenata jest prikupljanje i provjera opse\u017enih dokaza o identitetu. Poduze\u0107a moraju osigurati da su dostupne sve potrebne informacije i da su one to\u010dne. \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\">Strategije za pobolj\u0161anje KYC procesa<\/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>Kako bi optimizirala KYC proces, poduze\u0107a mogu koristiti tehnologije poput umjetne inteligencije i strojnog u\u010denja. Te tehnologije mogu pomo\u0107i u prepoznavanju rizika od prijevare te u\u010diniti cijeli proces u\u010dinkovitijim i preciznijim. <\/p><p>Sveukupno gledano, KYC je od klju\u010dne va\u017enosti za poduze\u0107a kako bi se minimizirao rizik od prijevare i pranja novca te osigurala uskla\u0111enost s propisima. Primjenom tehnologije i provedbom u\u010dinkovitih strategija poduze\u0107a mogu pobolj\u0161ati KYC proces te istovremeno bolje identificirati svoje klijente. <\/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\">Kako Nect poma\u017ee?<\/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\tUbrzajte svoje procese uskla\u0111enosti jednostavno i pravno sigurno: Upoznajte Nect, provjerenu platformu za <b>odvjetnike, porezne savjetnike, javne bilje\u017enike, revizore i agente za nekretnine<\/b>. Po\u0161aljite nam upit i osigurajte pristup u\u010dinkovitim, sigurnim i prakti\u010dnim rje\u0161enjima za svoje klijente \u2013 iskoristite sada izbor mnogih renomiranih odvjetni\u010dkih ureda. \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-30354\" alt=\"Preglednik s KYB procjenom rizika 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\">Dogovorite 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\">Razli\u010dite faze KYC procesa<\/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\tKYC proces sastoji se od nekoliko faza \u010diji je cilj provjera identiteta i pouzdanosti klijenata.\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, odnosno politika prihvata klijenata<\/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\tKYC proces je bitan sastavni dio politike prihvata klijenata (CIP) poduze\u0107a. Politika prihvata klijenata utvr\u0111uje zahtjeve koje klijenti moraju ispuniti kako bi ih poduze\u0107e prihvatilo. To mo\u017ee zahtijevati predo\u010denje odre\u0111enih dokumenata, poput osobne iskaznice.  \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 dubinska analiza klijenata<\/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\tNakon \u0161to je politika prihvata klijenata ispunjena, slijedi dubinska analiza klijenata (CDD). Dubinska analiza klijenata uklju\u010duje provjeru informacija i dokumenata koje su klijenti predo\u010dili, kako bi se osiguralo da su to\u010dni i pouzdani. To \u010desto uklju\u010duje provjeru identifikacijskih dokumenata i uskla\u0111ivanje informacija s vanjskim bazama podataka.  \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 pro\u0161irena dubinska analiza<\/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\tKod klijenata s ve\u0107im potencijalom rizika provodi se pro\u0161irena dubinska analiza (EDD). Pro\u0161irena dubinska analiza odnosi se na dodatne provjere i istrage kako bi se osiguralo da je rizik primjereno procijenjen. To mo\u017ee uklju\u010divati provjeru podrijetla imovine, poslovnih odnosa ili politi\u010dke izlo\u017eenosti.  \n\nKYC proces predstavlja va\u017ean korak kako bi poduze\u0107a upoznala svoje klijente i minimizirala rizik od pranja novca, financiranja terorizma i drugih nezakonitih aktivnosti.\n\nRazli\u010dite faze <b>postupka<\/b> klju\u010dne su za sigurnost i integritet financijskog sustava te doprinose ja\u010danju povjerenja klijenata u poduze\u0107a.\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\">Uloga Know Your Customer u upravljanju rizicima<\/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 igra va\u017enu ulogu u upravljanju rizicima poduze\u0107a, posebno u odnosu na sprje\u010davanje prijevara i uskla\u0111enost s propisima.\n\nUpravljanje rizicima klju\u010dan je aspekt za poduze\u0107a kako bi osigurala svoju financijsku stabilnost i integritet. Pritom su u\u010dinkovito sprje\u010davanje prijevara i uskla\u0111enost s propisima nu\u017eni. KYC, odnosno \u201eKnow Your Customer\u201d, postupak je koji poma\u017ee poduze\u0107ima provjeriti identitet svojih klijenata i procijeniti mogu\u0107e rizike.  \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 i sprje\u010davanje prijevara<\/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>Provjeravaju\u0107i identitet svojih klijenata i procjenjuju\u0107i mogu\u0107e rizike, poduze\u0107a mogu prepoznati i sprije\u010diti potencijalno prijevarne transakcije. To im poma\u017ee minimizirati financijske gubitke i o\u010duvati povjerenje svojih klijenata. <\/p><p>Prijevara je ra\u0161iren problem koji poduze\u0107ima mo\u017ee nanijeti znatnu financijsku \u0161tetu. Provedbom u\u010dinkovitog KYC procesa poduze\u0107a mogu na vrijeme prepoznati sumnjive aktivnosti i poduzeti odgovaraju\u0107e mjere kako bi sprije\u010dila prijevaru. To uklju\u010duje provjeru identiteta i kreditne sposobnosti klijenata, analizu obrazaca transakcija te kori\u0161tenje tehnologija poput umjetne inteligencije za prepoznavanje sumnjivih aktivnosti.  <\/p><p>Osim toga, KYC omogu\u0107uje poduze\u0107ima bolje razumijevanje svojih klijenata i analizu njihova pona\u0161anja. Prikupljanjem i analizom podataka poduze\u0107a mogu prepoznati obrasce i trendove koji mogu upu\u0107ivati na prijevarne aktivnosti. To im omogu\u0107uje proaktivno djelovanje i u\u010dinkovitu borbu protiv prijevara.  <\/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 i uskla\u0111enost s propisima<\/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 bitan sastavni dio zahtjeva uskla\u0111enosti s propisima kojima poduze\u0107a podlije\u017eu. Provjeravaju\u0107i identitet svojih klijenata, poduze\u0107a mogu osigurati uskla\u0111enost s propisima o sprje\u010davanju pranja novca i sprije\u010diti svoje uklju\u010divanje u nezakonite aktivnosti. \n\nUskla\u0111enost s propisima od klju\u010dne je va\u017enosti za poduze\u0107a kako bi minimizirala pravne i financijske rizike. KYC omogu\u0107uje poduze\u0107ima provjeru identiteta svojih klijenata i osiguravanje da ne posluju s osobama ili organizacijama uklju\u010denima u nezakonite aktivnosti. \n\nKYC postupci uklju\u010duju provjeru identifikacijskih dokumenata, provjeru kreditne sposobnosti klijenata te provedbu provjera sankcijskih popisa. Tim mjerama poduze\u0107a mogu osigurati da ne posluju s osobama ili organizacijama koje se nalaze na me\u0111unarodnim sankcijskim popisima ili su uklju\u010dene u nezakonite aktivnosti. \n\nUskla\u0111enost s propisima nije samo pravna obveza, ve\u0107 i va\u017ean dio upravljanja ugledom. Poduze\u0107a koja pa\u017eljivo provjeravaju svoje klijente i osiguravaju da ne posluju s kriminalnim organizacijama ili osobama mogu oja\u010dati svoj ugled i povjerenje kod klijenata, poslovnih partnera i nadzornih tijela. \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\">Tehnologija i 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\tIntegracija tehnologije u KYC proces mo\u017ee poduze\u0107ima pomo\u0107i da rade u\u010dinkovitije i preciznije.\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\">Uloga tehnologije u KYC procesu<\/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\tTehnologija omogu\u0107uje poduze\u0107ima elektroni\u010dku provjeru dokaza o identitetu i automatsko uskla\u0111ivanje informacija. To \u0161tedi vrijeme i smanjuje ljudske pogre\u0161ke. \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\">Automatizacija i 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\tAutomatizacijom KYC postupaka poduze\u0107a mogu obra\u0111ivati podatke br\u017ee i u\u010dinkovitije. To im omogu\u0107uje br\u017eu identifikaciju klijenata i br\u017ee sklapanje poslova. \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>Saznajte kako poduze\u0107a identificiraju klijente i kako mogu optimizirati proces identifikacije klijenata (KYC).<\/p>\n","protected":false},"author":1,"featured_media":30917,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[734],"tags":[736,771,735],"class_list":["post-30916","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulativa","tag-sprjecavanje-prijevara","tag-uskladenost"],"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 \u0160to trebate znati o \u201eKnow Your Customer\u201d - Nect<\/title>\n<meta name=\"description\" content=\"KYC zna\u010di \u2192 Know Your Customer! 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Kao obveznik Zakona o sprje\u010davanju pranja novca morate provjeravati svoje klijente \u2192 Sve informacije prona\u0111ite u na\u0161em vodi\u010du\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nect.com\/hr\/media\/blog\/kyc-sto-trebate-znati-o-know-your-customer\/\" \/>\n<meta property=\"og:site_name\" content=\"Nect\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NiceToNectYou\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-13T15:41:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-27T16:46:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/kyc-know-your-customer-visual.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Maurice Vogel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@nicetonectyou\" \/>\n<meta name=\"twitter:site\" content=\"@nicetonectyou\" \/>\n<meta name=\"twitter:label1\" content=\"Napisao\/la\" \/>\n\t<meta name=\"twitter:data1\" content=\"Maurice Vogel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Procijenjeno vrijeme \u010ditanja\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/\"},\"author\":{\"name\":\"Maurice Vogel\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#\\\/schema\\\/person\\\/4a12335203c9d79e727920a23ddf1daf\"},\"headline\":\"KYC \u2013 \u0160to trebate znati o \u201eKnow Your Customer\u201d\",\"datePublished\":\"2025-11-13T15:41:12+00:00\",\"dateModified\":\"2026-10-27T16:46:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/\"},\"wordCount\":1959,\"publisher\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/kyc-know-your-customer-visual.jpg\",\"keywords\":[\"Regulativa\",\"Sprje\u010davanje prijevara\",\"Uskla\u0111enost\"],\"articleSection\":[\"Blog\"],\"inLanguage\":\"hr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/\",\"url\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/\",\"name\":\"KYC \u1405 \u0160to trebate znati o \u201eKnow Your Customer\u201d - Nect\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/nect.com\\\/hr\\\/media\\\/blog\\\/kyc-sto-trebate-znati-o-know-your-customer\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nect.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/kyc-know-your-customer-visual.jpg\",\"datePublished\":\"2025-11-13T15:41:12+00:00\",\"dateModified\":\"2026-10-27T16:46:15+00:00\",\"description\":\"KYC zna\u010di \u2192 Know Your Customer! 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