{"id":31154,"date":"2026-10-26T16:47:03","date_gmt":"2026-10-26T15:47:03","guid":{"rendered":"https:\/\/nect.com\/media\/unkategorisiert\/kako-lahko-zavarovalnice-drzijo-korak-z-neobrokerji-pri-depoju-za-pokojninsko-varcevanje-2027\/"},"modified":"2026-10-27T20:15:29","modified_gmt":"2026-10-27T19:15:29","slug":"kako-lahko-zavarovalnice-drzijo-korak-z-neobrokerji-pri-depoju-za-pokojninsko-varcevanje-2027","status":"publish","type":"post","link":"https:\/\/nect.com\/sl\/media\/blog\/kako-lahko-zavarovalnice-drzijo-korak-z-neobrokerji-pri-depoju-za-pokojninsko-varcevanje-2027\/","title":{"rendered":"Kako lahko zavarovalnice dr\u017eijo korak z neobrokerji pri depoju za pokojninsko var\u010devanje 2027"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31154\" class=\"elementor elementor-31154 elementor-29670\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08f0a1c e-flex e-con-boxed e-con e-parent\" data-id=\"08f0a1c\" 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-a2c84ae elementor-widget elementor-widget-text-editor\" data-id=\"a2c84ae\" 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\tOd 1. januarja 2027 se z depojem za pokojninsko var\u010devanje (DPV) odpira nov trg za subvencionirano zasebno pokojninsko var\u010devanje. Za zavarovalnice, banke in finan\u010dne ponudnike ne bo pomembno le, kdo ponuja najprivla\u010dnej\u0161i produkt, temve\u010d tudi, kdo stranke hitro, varno in popolnoma digitalno vodi skozi postopek sklenitve. Prav tukaj se odlo\u010da o uspehu: identifikacija je obvezna, hkrati pa je vzvod konverzije in tveganje skladnosti.    \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-828d3ae e-con-full e-flex e-con e-child\" data-id=\"828d3ae\" 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-40f457c elementor-widget elementor-widget-heading\" data-id=\"40f457c\" 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\">Najpomembnej\u0161e na kratko<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7824a1 elementor-widget elementor-widget-text-editor\" data-id=\"d7824a1\" 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>Z depojem za pokojninsko var\u010devanje (DPV) se od leta 2027 odpira nov konkuren\u010dni trg, na katerem zavarovalnice, banke in neobrokerji tekmujejo za iste stranke.<\/li><li>Digitalni postopek identifikacije in KYC postaja klju\u010dni dejavnik uspeha, saj hitra, neprekinjena legitimacija bistveno pove\u010da konverzijo in hkrati izpolnjuje regulativne zahteve.<\/li><li>Ponudniki bi morali svoje KYC in postopke podpisovanja integrirati zgodaj, da bi lahko ob vstopu na trg ponudili raz\u0161irljiv, skladen in uporabniku prijazen postopek sklenitve.<\/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-d4dd9e6 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"d4dd9e6\" 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\tKazalo vsebine\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__d4dd9e6\" 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__d4dd9e6\" 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__d4dd9e6\" 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-bae915d e-con-full e-flex e-con e-child\" data-id=\"bae915d\" 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-3c0d6ff elementor-widget elementor-widget-spacer\" data-id=\"3c0d6ff\" 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-bbd8aa3 elementor-widget elementor-widget-heading\" data-id=\"bbd8aa3\" 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\">Kaj je depo za pokojninsko var\u010devanje<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-902c45d elementor-widget elementor-widget-text-editor\" data-id=\"902c45d\" 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\tDepo za pokojninsko var\u010devanje je dr\u017eavno subvencioniran vrednostni papirni depo za zasebno pokojninsko var\u010devanje. Njegov namen je posodobiti, digitalizirati in bolj tr\u017eno usmeriti dosedanji Riesterjev sistem. Var\u010devalci bodo lahko v prihodnosti bolj vlagali v ETF-e, sklade in druge dovoljene kapitalske produkte. Odvisno od modela produkta so mo\u017ene re\u0161itve brez garancije, z 80-odstotno garancijo ali s 100-odstotno garancijo.     \n\nZa ponudnike to pomeni: ne spreminja se le logika produkta, temve\u010d predvsem logika sklenitve; standardni produkt mora biti mogo\u010de skleniti digitalno. Hkrati stranke pri\u010dakujejo uporabni\u0161ko izku\u0161njo, ki je danes standard pri neobrokerjih, ban\u010dnih aplikacijah in sodobnih finan\u010dnih platformah.   \n\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-581013c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"581013c\" 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-6f9d9d0 elementor-widget elementor-widget-heading\" data-id=\"6f9d9d0\" 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\">Zavarovalnice, banke in neobrokerji so v neposredni konkurenci \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7611f elementor-widget elementor-widget-text-editor\" data-id=\"3e7611f\" 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>KYC in digitalni postopek sklenitve lahko pri depoju za pokojninsko var\u010devanje hitro postanejo kriti\u010dni za poslovanje. \u017de leta sta identifikacija in legitimacija ena najve\u010djih ovir pri digitalizaciji finan\u010dnih in pokojninskih produktov. Z depojem za pokojninsko var\u010devanje se ta tema \u0161e bolj osredoto\u010da. Vsak dodaten korak, vsaka prekinitev medijev in vsak \u010dakalni \u010das poslab\u0161ajo konverzijo za ponudnike. Kajti: kdor se mora med vklju\u010ditvijo legitimirati, predlo\u017eiti dokumente ali \u010dakati na ro\u010dne preglede, postopek bistveno pogosteje prekine. Vsaka minuta zamude je minuta, v kateri se lahko zainteresirani odlo\u010dijo proti sklenitvi. Depo za pokojninsko var\u010devanje zdaj prvi\u010d neposredno postavlja ponudnike iz razli\u010dnih svetov v konkurenco. Zavarovalnice ne tekmujejo ve\u010d le z drugimi zavarovalnicami, temve\u010d vse bolj tudi z neobrokerji, direktnimi bankami in digitalnimi investicijskimi platformami. S tem digitalni postopki vklju\u010ditve, ki so bili doslej pogosto obravnavani kot operativno vpra\u0161anje, nenadoma postanejo strate\u0161ki konkuren\u010dni dejavnik. Vi\u0161je stopnje konverzije neposredno pomenijo ve\u010d sklenjenih pogodb, ni\u017eje stro\u0161ke pridobivanja in bolj\u0161o raz\u0161irljivost poslovnega modela. DPV bo za\u010del delovati na trgu, kjer so \u0161tevilni uporabniki \u017ee navajeni digitalnih finan\u010dnih aplikacij. Neobrokerji in direktne banke pogosto ponujajo odprtje ra\u010duna, trgovanje z vrednostnimi papirji in identifikacijo popolnoma digitalno in v nekaj minutah. Ta raven postaja nov standard.            <\/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-d694c0d elementor-widget elementor-widget-text-editor\" data-id=\"d694c0d\" 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>Za zavarovalnice to ustvarja poseben pritisk. Morajo izpolnjevati regulativne zahteve, svetovalne obveznosti in kompleksnej\u0161e modele produktov ter hkrati zagotavljati uporabni\u0161ko izku\u0161njo, primerljivo s sodobnimi aplikacijami. Dobra tarifa ali mo\u010dna obljuba produkta ne zadostujeta, \u010de se postopek sklenitve v odlo\u010dilnem trenutku ustavi.  <\/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-c1b4922 elementor-widget elementor-widget-text-editor\" data-id=\"c1b4922\" 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>Hkrati se regulativne zahteve pove\u010dujejo z uvedbo AMLR in <a href=\"https:\/\/www.digitale-verwaltung.de\/Webs\/DV\/DE\/digitale-identitaeten\/eidas-2-0\/eidas-2-0-node.html\" target=\"_blank\" rel=\"noopener\">eIDAS 2.0<\/a>. Zato glavno vpra\u0161anje za ponudnike ni le, kako privla\u010den je njihov depo za pokojninsko var\u010devanje, temve\u010d ali lahko zdru\u017eijo regulativne zahteve in brezhibno uporabni\u0161ko izku\u0161njo. Prav zato tehni\u010dna zasnova identifikacije, podpisa in KYC procesov postaja odlo\u010dilen konkuren\u010dni dejavnik za banke, zavarovalnice in neobrokerje na trgu DPV. To bi lahko odlo\u010dilo, ali se bodo tr\u017eni dele\u017ei v prihodnosti premaknili v korist digitalnih pionirjev, ki omogo\u010dajo popolnoma digitalno in skoraj brezhibno sklenitev.   <\/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-31caec6 elementor-widget elementor-widget-heading\" data-id=\"31caec6\" 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\">Pogled na tehni\u010dno integracijo <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ee8d5 elementor-widget elementor-widget-text-editor\" data-id=\"b6ee8d5\" 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>Pri digitalni sklenitvi depoja za pokojninsko var\u010devanje se prepletajo razli\u010dne faze. Na za\u010detku sta preglednost in pojasnila prek informacij o produktu in logike subvencij. Sledita pravno zahtevano svetovanje in preverjanje ustreznosti. Ko je ta ovira premagana, sledita identifikacija nove stranke in digitalni podpis. Zaklju\u010dek predstavljata nalo\u017eba v depo in nadaljnja komunikacija s stranko. Medtem ko je ve\u010dino etap mogo\u010de dobro nadzorovati, identifikacija predstavlja najve\u010djo oviro za konverzijo in skladnost.     <\/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-d918b86 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"d918b86\" 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-26c3797 elementor-widget elementor-widget-image\" data-id=\"26c3797\" 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=\"534\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-1024x683.jpg\" class=\"attachment-large size-large wp-image-31156\" alt=\"Pribli\u017eni posnetek sestankovalne mize z ve\u010d osebami o re\u0161itvi depoja za pokojninsko var\u010devanje za banke in zavarovalnice\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-1024x683.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-300x200.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-768x512.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen.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-f862e6d elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f862e6d\" 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-2ab4913 elementor-widget elementor-widget-heading\" data-id=\"2ab4913\" 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\">Komu je re\u0161itev namenjena?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-572def2 elementor-widget elementor-widget-text-editor\" data-id=\"572def2\" 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> <strong>Zavarovalnicam<\/strong>, ki \u017eelijo od leta 2027 digitalno tr\u017eiti subvencionirane produkte pokojninskega var\u010devanja.<\/li><li><strong>Bankam in hranilnicam<\/strong>, ki integrirajo produkte DPV v obstoje\u010de digitalne postopke odpiranja ra\u010dunov ali depozitov.<\/li><li><strong>Depozitnim bankam in spletnim posrednikom<\/strong>, ki morajo visoke koli\u010dine sklenitev povezati z regulativno zanesljivo KYC infrastrukturo.<\/li><li><strong>Dru\u017ebam za upravljanje skladov<\/strong>, ki prvi\u010d vzpostavljajo bolj neposredne procese za kon\u010dne stranke za subvencionirano pokojninsko var\u010devanje.<\/li><li><strong>Ponudnikom platform<\/strong>, ki razvijajo ponudbe DPV-kot-storitev za finan\u010dne storitve.<\/li><\/ul>\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-4d47886 elementor-widget elementor-widget-heading\" data-id=\"4d47886\" 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 re\u0161uje KYC del depoja za pokojninsko var\u010devanje<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce5cebb elementor-widget elementor-widget-text-editor\" data-id=\"ce5cebb\" 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>Nect zagotavlja <a href=\"https:\/\/nect.com\/sl\/produkti\/nect-ident\/\" target=\"_blank\" rel=\"noopener\">digitalno infrastrukturo za identifikacijo in podpisovanje<\/a>, ki jo ponudniki potrebujejo za sklenitev DPV. Re\u0161itev je mogo\u010de integrirati v obstoje\u010de postopke sklenitve ali kombinirati kot del ve\u010dje nastavitve DPV s partnerji. <\/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-b7a04ed elementor-widget elementor-widget-html\" data-id=\"b7a04ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"overflow-x:auto\">\n  <table>\n    <thead>\n      <tr>\n        <th>Nect modul <\/th>\n        <th>Koristi za primer uporabe DPV <\/th> \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n     \n      <\/tr>\n      <tr>\n        <td>eID \/ NFC <\/td>\n        <td>Digitalna identifikacija z e-osebno izkaznico za posebej visoke ravni zaupanja in na prihodnost usmerjene eID procese. <\/td> \n      <\/tr>\n      <tr>\n        <td>Avtomatska video identifikacija <\/td>\n        <td>Dopolnilni postopek za skupine uporabnikov ali situacije, kjer je smiseln asistiran postopek identifikacije.<\/td>\n      <\/tr>\n      <tr>\n        <td>Kvalificiran elektronski podpis <\/td>\n        <td>Pravno varen digitalni podpis neposredno v postopku sklenitve brez papirja, po\u0161iljanja po po\u0161ti ali prekinitve medijev. <\/td> \n      <\/tr>\n      <tr>\n        <td>Ujemanje s seznami PEP in sankcij <\/td>\n        <td>Preverjanja, povezana s skladnostjo, se lahko vklju\u010dijo v digitalni KYC postopek.<\/td>\n      <\/tr>\n      <tr>\n        <td>Revizijska dokumentacija<\/td>\n        <td>Sledljiva procesna in revizijska dokumentacija za skladnost, revizijo in regulativne dokaze.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3be42d5 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"3be42d5\" 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-795000f elementor-widget elementor-widget-heading\" data-id=\"795000f\" 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\">Zato bi morali ponudniki ukrepati zdaj <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8caef2 elementor-widget elementor-widget-text-editor\" data-id=\"e8caef2\" 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\tZa\u010detek trga 1. januarja 2027 ustvarja \u010dasovni pritisk. Produkt, IT, regulativni procesi, svetovanje, KYC, podpisovanje in delovanje morajo pravo\u010dasno delovati skupaj. Zlasti odlo\u010ditev o KYC bi morala biti sprejeta zgodaj, saj globoko posega v vodenje uporabnikov, skladnost, pretok podatkov in tehni\u010dno arhitekturo.    \n\nKdor integrira postopek identifikacije pozno, tvega prekinitve medijev, \u0161ibko konverzijo in drage popravke. Kdor zgodaj razmi\u0161lja o KYC kot osrednjem infrastrukturnem gradniku, lahko celoten postopek sklenitve oblikuje stabilnej\u0161e, hitreje in bolj raz\u0161irljivo.   \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-23f719c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"23f719c\" 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-0a84946 elementor-widget elementor-widget-heading\" data-id=\"0a84946\" 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\">Pogosta vpra\u0161anja o depoju za pokojninsko var\u010devanje<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a836eae elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"a836eae\" 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-571bfd4 elementor-widget elementor-widget-n-accordion\" data-id=\"571bfd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9130\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Zakaj je KYC postopek pri depoju za pokojninsko var\u010devanje tako pomemben?   <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9130\" class=\"elementor-element elementor-element-00202f6 e-con-full e-flex e-con e-child\" data-id=\"00202f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-416ff92 elementor-widget elementor-widget-text-editor\" data-id=\"416ff92\" 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 eden klju\u010dnih korakov pri digitalni sklenitvi. \u010ce identifikacija traja predolgo, se ne ujema z dokumentom uporabnika ali povzro\u010da prekinitve medijev, se konverzija zmanj\u0161a. Hkrati morajo regulirani ponudniki zanesljivo izvajati preverjanje identitete, dokumentacijo in preverjanje tveganj  \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<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9131\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9131\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Katere postopke identifikacije ponuja Nect za ta primer uporabe? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9131\" class=\"elementor-element elementor-element-01711e6 e-con-full e-flex e-con e-child\" data-id=\"01711e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f737f elementor-widget elementor-widget-text-editor\" data-id=\"78f737f\" 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\tNect podpira avtomatizirano video identifikacijo, Nect ePass, Nect eID, Nect Wallet Re-Ident in pripravlja povezavo EUDI denarnice. Ponudniki lahko tako pokrijejo razli\u010dne skupine uporabnikov prek centralne platforme za identiteto. \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<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9132\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9132\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kaj razlikuje avtomatizirano video identifikacijo od klasi\u010dne video identifikacije? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9132\" class=\"elementor-element elementor-element-4a8eb89 e-con-full e-flex e-con e-child\" data-id=\"4a8eb89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41d8105 elementor-widget elementor-widget-text-editor\" data-id=\"41d8105\" 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\tPri avtomatizirani video identifikaciji se identifikacija izvaja brez v \u017eivo priklju\u010denega agenta klicnega centra. Uporabniki so digitalno vodeni skozi postopek. Nect pri tem uporablja video posnetke osebnega dokumenta in selfie video \u2013 ne zgolj foto-identifikacijo na podlagi fotografij.  \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<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9133\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9133\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Ali je Nect lahko tudi del ve\u010dje re\u0161itve DPV-kot-storitev?   <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9133\" class=\"elementor-element elementor-element-e991108 e-flex e-con-boxed e-con e-child\" data-id=\"e991108\" 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-a8e8a4f elementor-widget elementor-widget-text-editor\" data-id=\"a8e8a4f\" 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\tNect se osredoto\u010da na KYC in jedro identitete. Dopolnilni partnerji lahko pokrijejo druge sestavne dele digitalnega postopka sklenitve, na primer svetovanje, preverjanje ustreznosti, logiko vloge, postopke podpisovanja ali integracije v platformne in obstoje\u010de sisteme.   \t\t\t\t\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\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9134\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9134\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Ali je Nect pripravljen na EUDI denarnico?   <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9134\" class=\"elementor-element elementor-element-6d830ca e-flex e-con-boxed e-con e-child\" data-id=\"6d830ca\" 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-9a930d6 elementor-widget elementor-widget-text-editor\" data-id=\"9a930d6\" 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\tNect pripravlja vklju\u010ditev EUDI denarnice kot dodatne poti za identiteto. S tem lahko ponudniki svoje sedanje KYC postopke na\u010drtujejo tako, da bodo v prihodnosti sodelovali z evropskimi digitalnimi denarnicami za identiteto. \t\t\t\t\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\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Zakaj je KYC postopek pri depoju za pokojninsko var\\u010devanje tako pomemben?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"KYC je eden klju\\u010dnih korakov pri digitalni sklenitvi. \\u010ce identifikacija traja predolgo, se ne ujema z dokumentom uporabnika ali povzro\\u010da prekinitve medijev, se konverzija zmanj\\u0161a. Hkrati morajo regulirani ponudniki zanesljivo izvajati preverjanje identitete, dokumentacijo in preverjanje tveganj\"}},{\"@type\":\"Question\",\"name\":\"Katere postopke identifikacije ponuja Nect za ta primer uporabe?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nect podpira avtomatizirano video identifikacijo, Nect ePass, Nect eID, Nect Wallet Re-Ident in pripravlja povezavo EUDI denarnice. Ponudniki lahko tako pokrijejo razli\\u010dne skupine uporabnikov prek centralne platforme za identiteto.\"}},{\"@type\":\"Question\",\"name\":\"Kaj razlikuje avtomatizirano video identifikacijo od klasi\\u010dne video identifikacije?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pri avtomatizirani video identifikaciji se identifikacija izvaja brez v \\u017eivo priklju\\u010denega agenta klicnega centra. Uporabniki so digitalno vodeni skozi postopek. 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S tem lahko ponudniki svoje sedanje KYC postopke na\\u010drtujejo tako, da bodo v prihodnosti sodelovali z evropskimi digitalnimi denarnicami za identiteto.\"}}]}<\/script>\n\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>Od 1. 1. 2027 se z depojem za pokojninsko var\u010devanje odpira nov trg za subvencionirano zasebno pokojninsko var\u010devanje. Za zavarovalnice, banke in finan\u010dne ponudnike bo pomembno, da stranke hitro, varno in popolnoma digitalno vodijo skozi postopek sklenitve.  <\/p>\n","protected":false},"author":3,"featured_media":31155,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[821],"tags":[828,829],"class_list":["post-31154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-identiteta-denarnica","tag-primeri-uporabe-v-industriji"],"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>Depo za pokojninsko var\u010devanje 2027: Kako zavarovalnice dr\u017eijo korak<\/title>\n<meta name=\"description\" content=\"Za zavarovalnice in neobrokerje postaja depo za pokojninsko var\u010devanje preizkus konkuren\u010dnosti. 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