{"id":48068,"date":"2025-12-08T05:21:43","date_gmt":"2025-12-08T05:21:43","guid":{"rendered":"https:\/\/staging.pageloot.com\/uncategorized\/future-qr-code-payments-emerging-economies\/"},"modified":"2026-06-10T08:17:13","modified_gmt":"2026-06-10T08:17:13","slug":"future-qr-code-payments-emerging-economies","status":"publish","type":"post","link":"https:\/\/pageloot.com\/hr\/blog\/future-qr-code-payments-emerging-economies\/","title":{"rendered":"Pla\u0107anja QR kodom u gospodarstvima u nastajanju: Budu\u0107i trendovi"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Poku\u0161avate li procijeniti kamo idu pla\u0107anja QR kodom na tr\u017ei\u0161tima u razvoju? Odgovor oblikuje strategiju ulaganja, odluke o proizvodima i vrijeme ulaska na tr\u017ei\u0161te. Ovaj \u010dlanak ra\u0161\u010dlanjuje pokreta\u010de usvajanja, regulatorne okvire i prognoze rasta koje trebate kako biste razumjeli ovaj brzorastu\u0107i prostor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Za\u0161to gospodarstva u nastajanju predvode usvajanje QR pla\u0107anja<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u0107anja QR kodom rasla su br\u017ee na tr\u017ei\u0161tima u nastajanju nego na razvijenim \u2013 a razlozi su strukturni, a ne slu\u010dajni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U mnogim gospodarstvima u razvoju, tradicionalna bankarska infrastruktura je slaba. POS terminali su skupi, karti\u010dne mre\u017ee imaju ograni\u010den doseg, a veliki dijelovi stanovni\u0161tva ostaju bez bankovnih usluga. QR kodovi rje\u0161avaju nekoliko ovih problema odjednom. Trgovcu je potreban samo ispisani kod ili zaslon pametnog telefona za prihva\u0107anje digitalnih pla\u0107anja \u2013 bez \u010dita\u010da kartica, bez skupe opreme, bez slo\u017eenog uvo\u0111enja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u0107anja QR kodom smatraju se klju\u010dnim alatom za financijsku uklju\u010denost u gospodarstvima u nastajanju upravo zato \u0161to omogu\u0107uju malim i mikro-trgovcima prihva\u0107anje digitalnih pla\u0107anja uz minimalnu infrastrukturu, dok povezuju stanovni\u0161tvo bez bankovnih usluga s formalnim financijskim uslugama putem mobilnih nov\u010danika. Kako se to odvija u praksi mo\u017eete vidjeti kroz <a href=\"https:\/\/pageloot.com\/hr\/qr-codes-for\/banks-financial-institutions\/\">Rje\u0161enja QR kodova dostupna bankama i financijskim institucijama<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kina nudi najjasniji dokaz koncepta. Istra\u017eivanja opisuju \u201cmasovno usvajanje\u201d QR kodova od strane trgovaca i potro\u0161a\u010da u svakodnevnim transakcijama, potaknuto pristupa\u010dnim pametnim telefonima, \u0161irom pokriveno\u0161\u0107u mobilnim internetom i podr\u017eavaju\u0107im digitalnim ekosustavom. Model je od tada repliciran i prilago\u0111en diljem Ju\u017ene i Jugoisto\u010dne Azije, Latinske Amerike i subsaharske Afrike.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Klju\u010dni pokreta\u010di usvajanja QR pla\u0107anja<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nekoliko razli\u010ditih sila ubrzava prihva\u0107anje QR pla\u0107anja na tr\u017ei\u0161tima u nastajanju. One ne djeluju izolirano \u2013 one se me\u0111usobno poja\u010davaju.<\/p>\n\n\n\n<figure><img decoding=\"async\" src=\"https:\/\/pageloot.com\/wp-content\/uploads\/2026\/05\/qr-payment-adoption-9ada02-3d4ee03eeb14.webp\" alt=\"Pokreta\u010di usvajanja QR-a\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Proboj pametnih telefona i jednostavnost kori\u0161tenja<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kako cijene pametnih telefona padaju, sve vi\u0161e potro\u0161a\u010da u zemljama s niskim i srednjim prihodima posjeduje ure\u0111aje sposobne za skeniranje QR kodova bez namjenske aplikacije. Kada pla\u0107anje ne zahtijeva ni\u0161ta vi\u0161e od otvaranja aplikacije kamere, trenje koje obi\u010dno usporava usvajanje tehnologije pla\u0107anja nestaje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ni\u017ei tro\u0161kovi za trgovce<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U usporedbi s tradicionalnim POS terminalima, prihva\u0107anje temeljeno na QR kodovima ima dramati\u010dno ni\u017ee po\u010detne tro\u0161kove. Za male trgovce koji posluju s tankim mar\u017eama \u2013 uli\u010dne prodava\u010de, \u0161tandove na tr\u017enici, male trgovine \u2013 ova razlika u tro\u0161kovima je presudna. <a href=\"https:\/\/pageloot.com\/hr\/qr-codes-for\/payments\/\">QR kodovi za pla\u0107anja<\/a> omogu\u0107uju svakom trgovcu da u nekoliko minuta stvori i prika\u017ee funkcionalan kod za pla\u0107anje, bez specijalizirane opreme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Vladine inicijative za bezgotovinsko pla\u0107anje<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nacionalne vlade i sredi\u0161nje banke u nekoliko gospodarstava u nastajanju aktivno su promicale QR pla\u0107anja kao dio \u0161irih politika bezgotovinskog pla\u0107anja. Indijski BharatQR, indonezijski QRIS, \u0161rilankanski LankaQR, banglade\u0161ki Bangla QR, ganski GhQR, meksi\u010dki CoDi i brazilski Pix svi su primjeri sustava koje podr\u017eava dr\u017eava, a osmi\u0161ljeni su za ubrzavanje usvajanja u velikim razmjerima \u2013 posebno me\u0111u trgovcima u neformalnom sektoru i potro\u0161a\u010dima s niskim primanjima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Financijska inkluzija kao politi\u010dki cilj<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Osim pogodnosti, QR pla\u0107anja s vremenom stvaraju ne\u0161to vrijedno: povijest transakcija. Za pojedince i trgovce koji prethodno nisu imali bankovne ra\u010dune, ovaj trag podataka mo\u017ee s vremenom otklju\u010dati pristup kreditu, osiguranju i drugim formalnim financijskim uslugama. Kako CGAP napominje, jednostavne i ra\u0161irene mogu\u0107nosti digitalnog pla\u0107anja \u201cmogu donijeti trajne i duboke promjene u pona\u0161anju me\u0111u korisnicima i trgovcima s niskim primanjima, \u010dine\u0107i formalna pla\u0107anja dijelom njihove svakodnevice.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rast mobilnih nov\u010danika i digitalni ekosustavi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Porast mobilnih nov\u010danika \u2013 Alipay i WeChat Pay u Kini, Paytm u Indiji, GoPay i OVO u Indoneziji, M-Pesa derivati diljem Afrike \u2013 stvorio je gotove korisni\u010dke baze za QR pla\u0107anja. Razumijevanje kako <a href=\"https:\/\/pageloot.com\/hr\/blog\/alipay-wechat-pay-qr-code-integration\/\">integracija QR koda Alipay i WeChat Pay<\/a> funkcionira u praksi daje vam korisnu referentnu to\u010dku za to kako funkcioniraju zreli ekosustavi QR pla\u0107anja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dru\u0161tveni utjecaj i povjerenje<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Istra\u017eivanje o usvajanju QR pla\u0107anja u Kambod\u017ei identificiralo je povjerenje, kvalitetu usluge, dru\u0161tveni utjecaj i percipirani rizik kao zna\u010dajne pokreta\u010de na razini korisnika. Na tr\u017ei\u0161tima gdje gotovina ostaje kulturno dominantna, vidljivo usvajanje od strane vr\u0161njaka i institucionalni kredibilitet imaju ve\u0107u te\u017einu nego na tr\u017ei\u0161tima gdje su digitalna pla\u0107anja ve\u0107 norma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Veli\u010dina tr\u017ei\u0161ta i prognoze rasta<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Brojke iza rasta QR pla\u0107anja dovoljno su zna\u010dajne da zahtijevaju ozbiljnu pa\u017enju investitora i stratega.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Globalno tr\u017ei\u0161te pla\u0107anja QR kodom procijenjeno je na pribli\u017eno <strong>12,5 milijardi USD u 2024. godini<\/strong> i predvi\u0111a se da \u0107e dose\u0107i <strong>61,7 milijardi USD do 2033. godine<\/strong>, \u0161to predstavlja slo\u017eenu godi\u0161nju stopu rasta od oko 20%.<\/li>\n<li>Zasebna prognoza predvi\u0111a da \u0107e ukupna potro\u0161nja na pla\u0107anja QR kodom porasti s <strong>5,4 bilijuna USD 2025. na 8 bilijuna USD 2029.<\/strong> \u2013 pove\u0107anje od 48% tijekom \u010detiri godine.<\/li>\n<li>Ranija projekcija procijenila je rast s 8,07 milijardi USD 2020. na 35,07 milijardi USD do 2030. uz CAGR od 16,1%.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Azija-Pacifik<\/strong>, koja sadr\u017ei mnoge od najve\u0107ih svjetskih gospodarstava u nastajanju, o\u010dekuje se da \u0107e dr\u017eati najve\u0107i udio globalnog rasta tijekom cijelog predvi\u0111enog razdoblja. Kina, Indija i zemlje jugoisto\u010dne Azije primarni su doprinositelji, podr\u017eani i tr\u017ei\u0161no vo\u0111enim \u0161irenjem mobilnih nov\u010danika i namjernim vladinim inicijativama za bezgotovinsko pla\u0107anje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Iako su ove brojke globalne, a ne specifi\u010dne za tr\u017ei\u0161ta u nastajanju, temeljni pokreta\u010di koncentrirani su u gospodarstvima u razvoju. Rast na zrelim tr\u017ei\u0161tima poput Sjedinjenih Dr\u017eava bio je relativno sporiji. Kako sve vi\u0161e trgovaca usvaja opcije pla\u0107anja QR kodom kako bi transakcije bile br\u017ee, sigurnije i pristupa\u010dnije, ta \u0107e se koncentracija vjerojatno produbiti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Regulatorni krajolik: Standardi, interoperabilnost i nadzor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Regulacija u ovom prostoru nije toliko prepreka koliko arhitektura. Na\u010din na koji sredi\u0161nje banke i vlade strukturiraju sheme pla\u0107anja QR kodom oblikuje tko mo\u017ee sudjelovati, kako se tro\u0161kovi raspore\u0111uju i koliko se brzo usvajanje mo\u017ee pro\u0161iriti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nacionalni QR standardi i interoperabilnost<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Najzna\u010dajniji regulatorni razvoj u gospodarstvima u nastajanju je \u0161irenje interoperabilnih nacionalnih QR standarda. Ove sheme \u2013 razvijene i \u010desto u vlasni\u0161tvu sredi\u0161njih banaka ili nacionalnih platnih tijela \u2013 koriste EMVCo standarde kako bi osigurale da jedan QR kod mo\u017ee prihvatiti pla\u0107anja od vi\u0161e pru\u017eatelja usluga. To je iznimno va\u017eno za prihva\u0107anje od strane trgovaca: mali trgovac koji prihva\u0107a jednu QR shemu u\u010dinkovito prihva\u0107a sve sudjeluju\u0107e nov\u010danike i banke.<\/p>\n\n\n\n<figure>\n<table>\n<thead>\n<tr>\n<th>Zemlja<\/th>\n<th>Shema<\/th>\n<th>Operator<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Indija<\/td>\n<td>BharatQR<\/td>\n<td>Rezervna banka Indije \/ NPCI<\/td>\n<\/tr>\n<tr>\n<td>Indonezija<\/td>\n<td>QRIS<\/td>\n<td>Bank Indonesia<\/td>\n<\/tr>\n<tr>\n<td>\u0160ri Lanka<\/td>\n<td>LankaQR<\/td>\n<td>Sredi\u0161nja banka \u0160ri Lanke<\/td>\n<\/tr>\n<tr>\n<td>Banglade\u0161<\/td>\n<td>Bangla QR<\/td>\n<td>Bangladesh Bank<\/td>\n<\/tr>\n<tr>\n<td>Gana<\/td>\n<td>GhQR<\/td>\n<td>Ganski me\u0111ubankovni sustavi pla\u0107anja i namire<\/td>\n<\/tr>\n<tr>\n<td>Meksiko<\/td>\n<td>CoDi<\/td>\n<td>Banco de M\u00e9xico<\/td>\n<\/tr>\n<tr>\n<td>Brazil<\/td>\n<td>Pix<\/td>\n<td>Banco Central do Brasil<\/td>\n<\/tr>\n<tr>\n<td>Kirgistan<\/td>\n<td>ELQR<\/td>\n<td>Nacionalni platni sustav<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">LankaQR, uveden 2018. godine, izri\u010dito mora biti uskla\u0111en s globalnim EMV standardima \u2013 izbor dizajna koji omogu\u0107uje bilo kojoj banci ili pru\u017eatelju platnih usluga prihva\u0107anje pla\u0107anja putem jedinstvenog koda, bez vlasni\u010dkog zaklju\u010davanja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prekograni\u010dna interoperabilnost<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Integrirani sustav pla\u0107anja QR kodom ASEAN-a povezuje nacionalne QR sheme u zemljama sudionicama unutar Okvira za transakcije u lokalnoj valuti ASEAN-a. Ova politi\u010dka inicijativa podr\u017eava prekograni\u010dna QR pla\u0107anja u lokalnim valutama, smanjuju\u0107i ovisnost o posrednicima u stranoj valuti za regionalne transakcije. Za poduze\u0107a i investitore s regionalnim, a ne fokusom na jednu zemlju, ova integracija zna\u010dajno pro\u0161iruje dostupno tr\u017ei\u0161te.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Za\u0161tita potro\u0161a\u010da i privatnost<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OECD preporu\u010duje da se inicijative za digitalnu financijsku pismenost provode usporedo s okvirima za za\u0161titu financijskih potro\u0161a\u010da. U praksi, propisi o QR pla\u0107anjima ne bi trebali samo propisivati tehni\u010dke sigurnosne standarde, ve\u0107 i osigurati potro\u0161a\u010dima pristup transparentnim informacijama i u\u010dinkovitim mehanizmima za prijavu prijevara. Za poduze\u0107a koja posluju u vi\u0161e jurisdikcija, razumijevanje kako <a href=\"https:\/\/pageloot.com\/hr\/blog\/qr-code-privacy-laws-key-regulations\/\">Zakoni o privatnosti QR kodova i klju\u010dni propisi<\/a> se primjenjuju na podatke o pla\u0107anju va\u017eno je razmatranje uskla\u0111enosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To je sve relevantnije jer je rast QR pla\u0107anja u nekim zemljama proizveo nove obrasce prijevara. Stati\u010dni QR kodovi trgovaca posebno su ranjivi na napade fizi\u010dke zamjene \u2013 gdje prevarant postavlja la\u017eni kod preko legitimnog. Vodi\u010d o <a href=\"https:\/\/pageloot.com\/hr\/blog\/qr-code-risks-in-payments-and-how-to-mitigate-them\/\">rizicima QR kodova u pla\u0107anjima i kako ih ubla\u017eiti<\/a> pokriva glavne vektore prijetnji s kojima se poduze\u0107a suo\u010davaju.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ograni\u010denja dostupnih regulatornih podataka<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Javni izvori pru\u017eaju opise uloga sredi\u0161njih banaka i EMV standarda na visokoj razini, ali detaljne, po zemljama, zakonske odredbe koje se specifi\u010dno odnose na pla\u0107anja QR kodom nisu dobro dokumentirane. Investitori i stratezi koji provode dubinsku analizu na specifi\u010dnim tr\u017ei\u0161tima morat \u0107e nadopuniti ove okvire lokalnom pravnom analizom.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financijska uklju\u010denost: Dugoro\u010dni strate\u0161ki slu\u010daj<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Za investitore i stratege usmjerene na razvoj, dimenzija financijske uklju\u010denosti QR pla\u0107anja vjerojatno je najzna\u010dajniji dugoro\u010dni trend.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">QR kodovi stvaraju niskotro\u0161kovnu ulaznu to\u010dku u formalnu digitalnu ekonomiju za dvije skupine koje su povijesno bile isklju\u010dene: male trgovce i potro\u0161a\u010de s niskim primanjima. Kako se usvajanje QR-a \u0161iri u ovim segmentima, ono generira povijesti transakcija koje mogu poslu\u017eiti kao alternativni kreditni podaci. S vremenom, ovaj trag podataka stvara putove do kredita, osiguranja i drugih financijskih usluga \u2013 proizvoda koji sami po sebi predstavljaju zna\u010dajna ciljana tr\u017ei\u0161ta.<\/p>\n\n\n\n<figure><img decoding=\"async\" src=\"https:\/\/pageloot.com\/wp-content\/uploads\/2026\/05\/fintech-flow-diagram-57de15-8efbf5b1e08f.webp\" alt=\"Put financijske uklju\u010denosti\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">CGAP to jasno formulira: QR kodovi su \u201cobe\u0107avaju\u0107i na\u010din za digitalizaciju pla\u0107anja kod trgovaca s niskim primanjima i poticanje kupaca na prelazak na digitalno\u201d, a povijesti transakcija koje generiraju \u201cmogu donijeti pristup kreditu i drugim formalnim financijskim uslugama, stvaraju\u0107i ulaz u financijsku uklju\u010denost.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Iskustvo iz isto\u010dne Azije potvr\u0111uje ovu to\u010dku. Kako mobilna pla\u0107anja temeljena na QR-u zamjenjuju gotovinu, banke mogu smanjiti tro\u0161kove povezane s gotovinskim uslugama \u2013 osloba\u0111aju\u0107i kapital za kreditiranje i druge aktivnosti koje dodaju vrijednost. Slu\u010daj financijske uklju\u010denosti nije \u010disto teorijski; potkrijepljen je promjenom pona\u0161anja koja se mo\u017ee promatrati u velikom opsegu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rizici i prepreke na koje treba obratiti pa\u017enju<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Argument za rast je sna\u017ean, ali nijedna iskrena analiza tr\u017ei\u0161ta ne ignorira prepreke.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Prijevare i sigurnosne ranjivosti<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stati\u010dni QR kodovi mogu biti fizi\u010dki mijenjani, a nemogu\u0107nost ve\u0107ine korisnika da provjere odredi\u0161te koda prije skeniranja stvara stalni rizik od prijevare. Kako se usvajanje \u0161iri, obrasci prijevara te\u017ee se \u0161ire s njim. <a href=\"https:\/\/pageloot.com\/hr\/blog\/qr-code-payments-security-speed\/\">sigurnosne i brzinske prednosti pla\u0107anja QR kodom<\/a> su stvarne, ali ovise o odabiru implementacije \u2013 posebno o kori\u0161tenju dinami\u010dkih kodova umjesto stati\u010dnih \u2013 a ne samo o tehnologiji.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Praznine u povjerenju i digitalnoj pismenosti<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Istra\u017eivanja iz Kambod\u017ee i drugih konteksta tr\u017ei\u0161ta u razvoju dosljedno identificiraju povjerenje kao primarnu prepreku usvajanju. Tamo gdje potro\u0161a\u010di nemaju povjerenja u digitalne sustave \u2013 ili gdje su prethodna iskustva s prijevarama naru\u0161ila povjerenje \u2013 usvajanje stagnira bez obzira na kvalitetu infrastrukture. Vladine inicijative za digitalnu pismenost dio su politi\u010dkog odgovora, ali napredak je neujedna\u010den.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rizici fragmentacije<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Iako interoperabilni nacionalni standardi smanjuju fragmentaciju unutar zemalja, prekograni\u010dna interoperabilnost ostaje nepotpuna. Poduze\u0107a koja posluju na vi\u0161e tr\u017ei\u0161ta u razvoju suo\u010davaju se s prakti\u010dnim izazovom snala\u017eenja u razli\u010ditim shemama, standardima i regulatornim okru\u017eenjima. Napori za integraciju ASEAN-a zna\u010dajan su korak naprijed, ali pokrivaju ograni\u010den skup zemalja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ovisnosti o infrastrukturi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">QR pla\u0107anja zahtijevaju pouzdanu mobilnu internetsku povezanost. U ruralnim podru\u010djima i urbanim zonama s ni\u017eim primanjima \u2013 upravo populacijama najrelevantnijim za ciljeve financijske uklju\u010denosti \u2013 povezanost mo\u017ee biti nedosljedna. Ovo ograni\u010denje ograni\u010dava brzinu kojom se usvajanje QR-a mo\u017ee pro\u0161iriti na najzapostavljenije segmente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0160to to zna\u010di za poduze\u0107a koja posluju na tim tr\u017ei\u0161tima<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Za tvrtke koje ve\u0107 prihva\u0107aju ili planiraju prihvatiti pla\u0107anja QR kodom u gospodarstvima u razvoju, iz ove analize proizlazi nekoliko prakti\u010dnih razmatranja.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Dizajnirajte prihva\u0107anje pla\u0107anja oko dominantne lokalne sheme.<\/strong> Prihva\u0107anje QRIS-a od strane trgovaca u Indoneziji ili QR-a povezanog s UPI-jem u Indiji dose\u017ee daleko \u0161iru bazu korisnika nego prihva\u0107anje samo jednog vlasni\u010dkog nov\u010danika. Interoperabilni standardi postoje upravo kako bi se eliminirala takva vrsta zaklju\u010davanja.<\/li>\n<li><strong>Koristite dinami\u010dke QR kodove umjesto stati\u010dnih.<\/strong> Dinami\u010dki kodovi omogu\u0107uju vam a\u017euriranje odredi\u0161ta pla\u0107anja, pra\u0107enje aktivnosti skeniranja radi anomalija i deaktiviranje kodova ako se otkrije prijevara \u2013 sve bez ponovnog ispisa. Za poduze\u0107a koja upravljaju pla\u0107anjima na vi\u0161e lokacija, ova centralizirana kontrola je operativno zna\u010dajna. The <a href=\"https:\/\/pageloot.com\/hr\/blog\/ultimate-guide-to-qr-codes-for-mobile-wallets\/\">vodi\u010d za QR kodove za mobilne nov\u010danike<\/a> obja\u0161njava prakti\u010dne razlike izme\u0111u dinami\u010dkih i stati\u010dnih pristupa u kontekstu pla\u0107anja.<\/li>\n<li><strong>Tretirajte analitiku kao temeljnu funkciju, a ne naknadnu misao.<\/strong> Razumijevanje kada i gdje se kodovi skeniraju \u2013 i ozna\u010davanje neobi\u010dnih obrazaca \u2013 jednako je relevantno za sprje\u010davanje prijevara kao i za optimizaciju marketinga. Poduze\u0107a koja <a href=\"https:\/\/pageloot.com\/hr\/blog\/how-businesses-use-qr-codes-for-peer-payments\/\">koriste QR kodove za pla\u0107anja me\u0111u korisnicima<\/a> u\u010dinkovito te\u017ee aktivnom, a ne reaktivnom pra\u0107enju podataka o skeniranju.<\/li>\n<li><strong>Gradite za interoperabilnu budu\u0107nost.<\/strong> Prekograni\u010dna integracija pla\u0107anja QR kodom se \u0161iri. Poduze\u0107a koja sada ula\u017eu u fleksibilnu infrastrukturu za prihva\u0107anje neovisnu o shemi bolje su pozicionirana za skaliranje kako regionalni okviri poput sustava ASEAN sazrijevaju.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Po\u010dnite prihva\u0107ati QR pla\u0107anja bez slo\u017eenosti<\/strong> Trebate stvoriti QR kodove za pla\u0107anje koji funkcioniraju na svim va\u0161im poslovnim lokacijama? Koristite the <a href=\"https:\/\/pageloot.com\/hr\/qr-code-generator\/\">Pageloot Generator QR kodova<\/a> za izradu dinami\u010dkih kodova koji se mogu pratiti \u2013 ili <a href=\"https:\/\/pageloot.com\/hr\/paypal-qr-code-generator\/\">Kako napraviti QR kod za pla\u0107anje s PayPalom<\/a> za izravno povezivanje s va\u0161im ra\u010dunom za pla\u0107anje bez potrebe za hardverom.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Putanja je jasna, detalji se jo\u0161 pi\u0161u<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pla\u0107anja QR kodom u gospodarstvima u razvoju nisu spekulativni trend \u2013 ona su infrastrukturna stvarnost potkrijepljena mandatima sredi\u0161njih banaka, dokazanom masovnom primjenom i stopom rasta koja nadma\u0161uje ve\u0107inu segmenata platne industrije. Predvi\u0111a se da \u0107e tr\u017ei\u0161te rasti po otprilike 20% godi\u0161nje do 2033., pri \u010demu \u0107e Azija-Pacifik prednja\u010diti, a Latinska Amerika, Afrika i Ju\u017ena Azija zna\u010dajno doprinijeti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Strate\u0161ko pitanje za ulaga\u010de i poslovne lidere nije ho\u0107e li QR pla\u0107anja dominirati digitalnom trgovinom u gospodarstvima u razvoju, ve\u0107 koliko \u0107e brzo sazrijeti upravljanje prijevarama, prekograni\u010dna interoperabilnost i digitalna pismenost kako bi podr\u017eali tu dominaciju. Oni koji razumiju regulatornu arhitekturu \u2013 i pozicioniraju se unutar interoperabilnih nacionalnih standarda koje sredi\u0161nje banke aktivno promi\u010du \u2013 najbolje su pozicionirani da iskoriste priliku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za tvrtke koje danas razvijaju mogu\u0107nosti QR pla\u0107anja, istra\u017eite <a href=\"https:\/\/pageloot.com\/hr\/industry\/\">rje\u0161enja QR koda dostupna u svim industrijama<\/a> kako biste prona\u0161li pravi pristup za svoj sektor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010cesto postavljana pitanja<\/h2>\n\n\n\n<div class=\"schema-faq\"><div class=\"schema-faq-section\" id=\"faq-question-b2780c918c09\"><strong class=\"schema-faq-question\">Za\u0161to pla\u0107anja QR kodom br\u017ee rastu u gospodarstvima u nastajanju nego na razvijenim tr\u017ei\u0161tima?<\/strong> <p class=\"schema-faq-answer\">Tr\u017ei\u0161ta u nastajanju imaju manje postoje\u0107e infrastrukture za pla\u0107anje karticama, ve\u0107i udio nebankariziranog stanovni\u0161tva i ni\u017ee tro\u0161kove pametnih telefona u odnosu na tro\u0161kove POS terminala. QR kodovi uklanjaju potrebu za skupim hardverom, omogu\u0107uju\u0107i bilo kojem trgovcu s ispisanim kodom ili pametnim telefonom da prihva\u0107a digitalna pla\u0107anja. Vladine inicijative za bezgotovinsko pla\u0107anje i interoperabilni nacionalni QR standardi tako\u0111er su ubrzali prihva\u0107anje na na\u010dine koji nemaju izravan ekvivalent na ve\u0107ini razvijenih tr\u017ei\u0161ta.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-d96132933aba\"><strong class=\"schema-faq-question\">Koju ulogu igraju sredi\u0161nje banke u oblikovanju QR sustava pla\u0107anja u zemljama u razvoju?<\/strong> <p class=\"schema-faq-answer\">Sredi\u0161nje banke u mnogim gospodarstvima u nastajanju preuzele su izravnu ulogu u razvoju i propisivanju interoperabilnih nacionalnih QR shema \u2013 primjeri uklju\u010duju BharatQR u Indiji, QRIS u Indoneziji, LankaQR u \u0160ri Lanki i Pix u Brazilu. Ove sheme koriste EMVCo standarde kako bi osigurale da jedan QR kod mo\u017ee prihva\u0107ati pla\u0107anja od vi\u0161e pru\u017eatelja, smanjuju\u0107i fragmentaciju i podr\u017eavaju\u0107i usvajanje me\u0111u malim trgovcima i potro\u0161a\u010dima s niskim primanjima. Ovo je infrastrukturno ulaganje vo\u0111eno politikom, a ne samo tr\u017ei\u0161ni ishod.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-6082e1b7d926\"><strong class=\"schema-faq-question\">Koji su glavni sigurnosni rizici na koje bi se tvrtke trebale pripremiti kada koriste QR pla\u0107anja na tim tr\u017ei\u0161tima?<\/strong> <p class=\"schema-faq-answer\">Naj\u010de\u0161\u0107i rizici su fizi\u010dka manipulacija QR kodom (gdje prevaranti zamjenjuju legitimni kod la\u017enim koji preusmjerava pla\u0107anja na njihov vlastiti ra\u010dun) i phishing napadi koji opona\u0161aju legitimne stranice za pla\u0107anje. Kori\u0161tenje dinami\u010dkih QR kodova \u2013 koji se mogu nadzirati zbog neobi\u010dne aktivnosti skeniranja i deaktivirati ako su kompromitirani \u2013 zna\u010dajno smanjuje te rizike u usporedbi sa stati\u010dkim kodovima. Za potpunu analizu prijetnji i strategija ubla\u017eavanja, pogledajte vodi\u010d o rizicima QR kodova u pla\u0107anjima.<\/p> <\/div> <\/div>","protected":false},"excerpt":{"rendered":"<p>Istra\u017eite uspon pla\u0107anja QR kodom na tr\u017ei\u0161tima u razvoju. Ovaj vodi\u010d pokriva \u010dimbenike usvajanja, regulatorne standarde poput Pix-a i prognoze rasta do 2033. godine.<\/p>","protected":false},"author":17,"featured_media":54120,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[2635],"tags":[],"class_list":["post-48068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>QR Code Payments in Emerging Economies: Future Trends<\/title>\n<meta name=\"description\" content=\"Explore the rise of QR code payments in emerging markets. This guide covers adoption drivers, regulatory standards like Pix, and growth forecasts through 2033.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"QR Code Payments in Emerging Economies: Future Trends\" \/>\n<meta property=\"og:description\" content=\"Explore the rise of QR code payments in emerging markets. 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S dubokom stru\u010dno\u0161\u0107u koja obuhva\u0107a vi\u0161e od 5 godina isklju\u010divo na QR kodovima, Siim je postao stru\u010dnjak za predmet u tom podru\u010dju. On \u010dini zna\u010dajne korake u iskori\u0161tavanju QR tehnologije za pojednostavljenje i pove\u0107anje digitalnih interakcija. Njegovo putovanje nije tek po\u010delo ovdje. Siim ima opse\u017eno digitalno iskustvo s vi\u0161e od 10 godina bogatog iskustva u sektoru softvera kao usluge (SaaS), \u0161to je potvrda njegovog dubokog znanja o digitalnim rje\u0161enjima.","sameAs":["https:\/\/www.linkedin.com\/in\/siim-tiigimagi\/"]},{"@type":"Question","@id":"https:\/\/pageloot.com\/blog\/future-qr-code-payments-emerging-economies\/#faq-question-b2780c918c09","position":1,"url":"https:\/\/pageloot.com\/blog\/future-qr-code-payments-emerging-economies\/#faq-question-b2780c918c09","name":"Za\u0161to pla\u0107anja QR kodom br\u017ee rastu u gospodarstvima u nastajanju nego na razvijenim tr\u017ei\u0161tima?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Emerging markets have less existing card payment infrastructure, higher proportions of unbanked populations, and lower smartphone costs relative to POS terminal costs. QR codes remove the need for expensive hardware, allowing any merchant with a printed code or smartphone to accept digital payments. Government-backed cashless initiatives and interoperable national QR standards have also accelerated adoption in ways that have no direct equivalent in most developed markets.","inLanguage":"hr"},"inLanguage":"hr"},{"@type":"Question","@id":"https:\/\/pageloot.com\/blog\/future-qr-code-payments-emerging-economies\/#faq-question-d96132933aba","position":2,"url":"https:\/\/pageloot.com\/blog\/future-qr-code-payments-emerging-economies\/#faq-question-d96132933aba","name":"Koju ulogu igraju sredi\u0161nje banke u oblikovanju QR sustava pla\u0107anja u zemljama u razvoju?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Central banks in many emerging economies have taken a direct role in developing and mandating interoperable national QR schemes \u2013 examples include BharatQR in India, QRIS in Indonesia, LankaQR in Sri Lanka, and Pix in Brazil. These schemes use EMVCo standards to ensure that a single QR code can accept payments from multiple providers, reducing fragmentation and supporting adoption among small merchants and low-income consumers. This is a policy-driven infrastructure investment, not simply a market outcome.","inLanguage":"hr"},"inLanguage":"hr"},{"@type":"Question","@id":"https:\/\/pageloot.com\/blog\/future-qr-code-payments-emerging-economies\/#faq-question-6082e1b7d926","position":3,"url":"https:\/\/pageloot.com\/blog\/future-qr-code-payments-emerging-economies\/#faq-question-6082e1b7d926","name":"Koji su glavni sigurnosni rizici na koje bi se tvrtke trebale pripremiti kada koriste QR pla\u0107anja na tim tr\u017ei\u0161tima?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The most common risks are physical QR code tampering (where fraudsters replace a legitimate code with a fake one redirecting payments to their own account) and phishing attacks that mimic legitimate payment pages. Using dynamic QR codes \u2013 which can be monitored for unusual scan activity and deactivated if compromised \u2013 significantly reduces these risks compared to static codes. 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