{"id":1482,"date":"2025-01-05T13:28:54","date_gmt":"2025-01-05T13:28:54","guid":{"rendered":"https:\/\/valstybeje.lt\/?p=1482"},"modified":"2025-01-05T13:28:54","modified_gmt":"2025-01-05T13:28:54","slug":"privati-bankininkyste-dirbtinio-intelekto-patobulinti-patarimai-naujos-turto-klases-geroves-superprogramos-sesios-turto-valdymo-tendencijos-2025-m","status":"publish","type":"post","link":"https:\/\/valstybeje.lt\/?p=1482","title":{"rendered":"Privati \u200b\u200bbankininkyst\u0117: dirbtinio intelekto patobulinti patarimai, naujos turto klas\u0117s, gerov\u0117s superprogramos: \u0161e\u0161ios turto valdymo tendencijos 2025 m."},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"td-post-featured-image\"><\/div>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/valstybeje.lt\/?p=1482\/#Autorius_Alessandro_Hatami\" >Autorius Alessandro Hatami<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/valstybeje.lt\/?p=1482\/#Paskutine_mintis_del_didesnio_sudetingumo_reikes_strateginio_grieztumo\" >Paskutin\u0117 mintis: d\u0117l didesnio sud\u0117tingumo reik\u0117s strateginio grie\u017etumo<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/valstybeje.lt\/?p=1482\/#Apie_Autorius\" >Apie Autorius<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/valstybeje.lt\/?p=1482\/#Alessandro_Hatami_yra_vadovaujantis_partneris_Pacemakersio_konsultacine_imone_kurios_specializacija_yra_skaitmenine_finansu_transformacija_Jis_dirba_finansinese_organizacijose_visame_pasaulyje_iskaitant_JK_Europa_ir_Vidurinius_Rytus_Anksciau_jis_buvo_%E2%80%9ELloyds_Banking_Group%E2%80%9C_skaitmenines_bankininkystes_COO_ir_ejo_keleta_auksto_rango_pareigu_%E2%80%9EPayPal%E2%80%9C_%E2%80%9EPaypoint%E2%80%9C_ir_%E2%80%9EGE_Capital%E2%80%9C_Alessandro_yra_%E2%80%9EInvestopedia%E2%80%9C_geriausios_2021_m_knygos_apie_bankininkyste_ivertintos_knygos_%E2%80%9EReinventing_Banking_and_Finance%E2%80%9C_bendraautoris_Jis_yra_NED_investuotojas_i_technologiju_startuolius_ir_daznas_%E2%80%9EFintech%E2%80%9C_renginiu_pranesejas_visame_pasaulyje\" >Alessandro Hatami yra vadovaujantis partneris  Pacemakers.io, konsultacin\u0117 \u012fmon\u0117, kurios specializacija yra skaitmenin\u0117 finans\u0173 transformacija. Jis dirba finansin\u0117se organizacijose visame pasaulyje, \u012fskaitant JK, Europ\u0105 ir Vidurinius Rytus. Anks\u010diau jis buvo \u201eLloyds Banking Group\u201c skaitmenin\u0117s bankininkyst\u0117s COO ir \u0117jo kelet\u0105 auk\u0161to rango pareig\u0173 \u201ePayPal\u201c, \u201ePaypoint\u201c ir \u201eGE Capital\u201c. Alessandro yra \u201eInvestopedia\u201c geriausios 2021 m. knygos apie bankininkyst\u0119 \u012fvertintos knygos \u201eReinventing Banking and Finance\u201c bendraautoris. Jis yra NED, investuotojas \u012f technologij\u0173 startuolius ir da\u017enas \u201eFintech\u201c rengini\u0173 prane\u0161\u0117jas visame pasaulyje.<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Autorius_Alessandro_Hatami\"><\/span><strong>Autorius Alessandro Hatami  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Privati \u200b\u200bbankininkyst\u0117 spar\u010diai auga <\/span><span data-contrast=\"auto\">augimas besivystan\u010diose rinkose<\/span><span data-contrast=\"auto\">  pvz., Azija \u2013 svarbiausias 2024\u20132025 m. pasaulinio augimo variklis pagal HSBC \u2013 taip pat d\u0117l \u200b\u200bnauj\u0173 turt\u0173, kuriuos suk\u016br\u0117 <\/span><span data-contrast=\"auto\">verslumo skaitmenin\u0117s versijos<\/span><span data-contrast=\"auto\">  tokie<\/span><span data-contrast=\"auto\">  ekologi\u0161kas ir genAI orientuotas verslas<\/span><span data-contrast=\"auto\">. <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Kitas transformacinis \u012fvykis yra did\u017eiulis kart\u0173 turto perk\u0117limas, kuris jau vyksta visame pasaulyje. Per ateinan\u010dius du de\u0161imtme\u010dius <\/span><span data-contrast=\"auto\">84 trilijonai doleri\u0173 pakeis savinink\u0105 <\/span><span data-contrast=\"auto\">\u2013 pa\u017evelgti \u012f \u0161i\u0105 fig\u016br\u0105 perspektyvoje,<\/span><span data-contrast=\"auto\">  JAV BVP 2023 m. buvo 27,4 trilijono USD<\/span><span data-contrast=\"auto\">  \u2013 apie tre\u010ddal\u012f tos sumos.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Teori\u0161kai, tur\u0117dami \u0161imtme\u010di\u0173 patirt\u012f tenkinant turtingiausi\u0173 pasaulio gyventoj\u0173 poreikius, senieji priva\u010dios bankininkyst\u0117s sektoriaus \u017eaid\u0117jai yra puikioje pad\u0117tyje, kad gal\u0117t\u0173 pasinaudoti \u0161ia did\u017eiule turto valdymo u\u017eduotimi. Prakti\u0161kai jie tur\u0117s i\u0161 esm\u0117s pakeisti savo veiklos b\u016bd\u0105, kad atitikt\u0173 savo nauj\u0105j\u012f, jaunesn\u012f, \u012fvairesn\u012f, pirmiausia skaitmenin\u012f klient\u0173 rat\u0105.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Priva\u010di\u0173 bank\u0173 esama klient\u0173 baz\u0117 \u2013 <\/span><span data-contrast=\"auto\">tylioji karta<\/span><span data-contrast=\"auto\">  ir bumas \u2013 da\u017enai tikisi tiesioginio \u012fsitraukimo, \u012fskaitant atnaujinimus sutartu laiku ir patarimus d\u0117l tradicini\u0173 investavimo galimybi\u0173. Ta\u010diau naujoji turto valdymo klient\u0173 grup\u0117 teikia pirmenyb\u0119 tiek skaitmeniniams kanalams, tiek tradicinei klient\u0173 s\u0105veikai. Jie taip pat nori i\u0161tirti daug platesn\u012f investicij\u0173 spektr\u0105, pavyzd\u017eiui, skaitmenin\u012f turt\u0105 (kriptovaliut\u0173 \/ NFT), investavim\u0105 \u012f aistr\u0105 (men\u0105, vyn\u0105), investavim\u0105 \u012f angelus ir, svarbiausia, tikslin\u012f investavim\u0105, kuris apima gr\u0105\u017eos generavim\u0105 ir teigiam\u0105 poveik\u012f. apie visuomen\u0119. Jie tikisi bendrauti su tuo, kas valdo savo turt\u0105 realiuoju laiku.  <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/p>\n<p><span data-contrast=\"auto\">Vadinasi, privat\u016bs bankai tur\u0117s pagerinti savo skaitmenines galimybes, kartu gerindami savo tiesioginio bendravimo kokyb\u0119. Prisitaikymas prie \u0161ios naujos gerov\u0117s paradigmos prasideda dabar \u2013 ir a\u0161 manau, kad pagrindin\u0117s 2025 m. tendencijos bus \u0161ios:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"auto\">Bendri \u017emogaus ir dirbtinio intelekto patarimai:<\/span><\/b><span data-contrast=\"auto\">  Priva\u010dios bankininkyst\u0117s klientai nenoriai bendradarbiauja su robo konsultantais, ta\u010diau jie \u012fvertins priva\u010di\u0173 bankinink\u0173, naudojan\u010di\u0173 dirbtin\u012f intelekt\u0105, teikiam\u0173 patarim\u0173 i\u0161samum\u0105 ir greit\u012f. 2025 m. matysime, kad santyki\u0173 vadybininkai da\u017eniau naudos dirbtin\u012f intelekt\u0105, o patarimai bus teikiami per kliento pageidaujamus komunikacijos kanalus. The <\/span><span data-contrast=\"auto\">individualizuotos patirties pristatymas<\/span><span data-contrast=\"auto\">  yra raktas \u012f tai, kad tai gerai veikt\u0173. Tarp rinkos lyderi\u0173, jau einan\u010di\u0173 \u0161iuo keliu <\/span><span data-contrast=\"auto\">LGT, JP Morgan, St James&#8217;s Place ir RBC<\/span><span data-contrast=\"auto\">kurie visi investuoja \u012f AI sistem\u0173 k\u016brim\u0105. <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/li>\n<li><b><span data-contrast=\"auto\">I\u0161ry\u0161k\u0117s naujos turto klas\u0117s: <\/span><\/b><span data-contrast=\"auto\">Laikai, kai buvo galima saugiai \u017eaisti su turtais, baig\u0117si. Nauji priva\u010dios bankininkyst\u0117s klient\u0173 segmentai ir kartos vis labiau nori, kad j\u0173 privat\u016bs bankininkai suteikt\u0173 prieig\u0105 prie nauj\u0173 turto klasi\u0173. Yra keletas pagrindini\u0173 sri\u010di\u0173, kurios pritraukia susidom\u0117jim\u0105. Pirma, skaitmeninis turtas, nuo kriptovaliut\u0173 iki tokenizuot\u0173 preki\u0173. Antra, investicijos \u012f aistr\u0105, pvz., men\u0105, vyn\u0105 ir spiritinius g\u0117rimus. Galiausiai, \u012ftakos investicijoms. \u0160ios galimyb\u0117s generuoja komercin\u0119 gr\u0105\u017e\u0105 ir teikia socialin\u0119, kult\u016brin\u0119, ekonomin\u0119 ir aplinkosaugin\u0119 naud\u0105. Poveikio investicijos tur\u0117t\u0173 apimti prieig\u0105 prie angel\u0173 ir pradini\u0173 investicij\u0173 \u012f \u017elugdan\u010dius transformacinius startuolius.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/li>\n<li><b><span data-contrast=\"auto\">Pramon\u0117 taps priva\u010dia bankininkyste kaip paslauga<\/span><\/b><span data-contrast=\"auto\">: Siekdami teikti \u0161ias \u012fvairias galimybes, bankams gali tekti pasi\u016blyti \u012fg\u016bd\u017ei\u0173 ir patirties, kuri\u0105 sunku (galb\u016bt ne\u012fmanoma) suteikti naudojant vidinius i\u0161teklius. D\u0117l to privat\u016bs bankai taps platformomis, per kurias j\u0173 klientai gal\u0117s skland\u017eiai bendrauti su specialistais patar\u0117jais ir pristatymo platformomis. Privati \u200b\u200bbankininkyst\u0117 kaip paslauga populiar\u0117s, o tai gali atverti erdv\u0119 \u012fterptoms finansin\u0117ms partneryst\u0117ms su preki\u0173 \u017eenklais prabangioje erdv\u0117je.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/li>\n<li><b><span data-contrast=\"auto\">Naujos kartos turtas rei\u0161kia naujus veidus:<\/span><\/b><span data-contrast=\"auto\">  Pinigams kei\u010diant rankas ir vystantis socialin\u0117ms normoms, kei\u010diasi ir turting\u0173j\u0173 profilis. Naujos kartos pasiturintys klientai savo kilme, lyties tapatyb\u0117s nustatymo ir bendro po\u017ei\u016brio \u012f gyvenim\u0105 po\u017ei\u016briu bus daug \u012fvairesni nei ankstesn\u0117s kartos. Privat\u016bs bankai tur\u0117s aplenkti \u0161iuos poky\u010dius ir atsi\u017evelgti \u012f tai, kaip jie reklamuoja savo paslaugas ir, svarbiausia, kaip \u012fdarbina, moko ir i\u0161laiko darbuotojus.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/li>\n<li><b><span data-contrast=\"auto\">Naujas turto kra\u0161tovaizdis padidina rizik\u0105:<\/span><\/b><span data-contrast=\"auto\">  Nenumaldomas jud\u0117jimas skaitmenin\u0117s vartotoj\u0173 patirties link kartu su turto klasi\u0173 pl\u0117tra padidins kibernetin\u0119 rizik\u0105. Privat\u016bs bankai tur\u0117s u\u017etikrinti, kad padidint\u0173 savo geb\u0117jim\u0105 kovoti su tokia rizika, nes jei bus nulau\u017etos didel\u0117s grynosios vert\u0117s asmen\u0173 (HNWI) s\u0105skaitos, galimi grynieji nuostoliai gali b\u016bti daug didesni nei kit\u0173 tip\u0173 bank\u0173 klient\u0173. 2025 m. tikimasi i\u0161girsti apie daug gilesn\u012f priva\u010di\u0173 bank\u0173 ir kibernetinio saugumo ekosistemos bendradarbiavim\u0105.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/li>\n<li><b><span data-contrast=\"auto\">Pasikeitusi vartotojo patirtis:<\/span><\/b><span data-contrast=\"auto\">  Viena i\u0161 galim\u0173 \u0161ios kart\u0173 kaitos pasekmi\u0173 yra \u201eturto super program\u0117l\u0117s\u201c, kuri per vien\u0105 viening\u0105 platform\u0105 teikia visas turt\u0173 finansavimo priemones, kuri\u0173 gali nor\u0117ti klientai, suk\u016brimas. Palaikoma dirbtinio intelekto, \u0161i vieninga klient\u0173 patirtis sujungs visk\u0105 nuo akcij\u0173 ir akcij\u0173 iki pensij\u0173 ir hipotekos \u012f vien\u0105 viet\u0105. Turto super programa suteiks HNWI holistin\u012f vaizd\u0105 apie savo turt\u0105 ir pateiks asmeninius pasi\u016blymus apie investavimo galimybes.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215}\"> <\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Paskutine_mintis_del_didesnio_sudetingumo_reikes_strateginio_grieztumo\"><\/span><span style=\"color: #29c5f6;\"><b>Paskutin\u0117 mintis: d\u0117l didesnio sud\u0117tingumo reik\u0117s strateginio grie\u017etumo  <\/b>  <\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Naujos technologijos, netipi\u0161kos turto klas\u0117s, \u012fvairi klient\u0173 baz\u0117 ir gilesnis personalizavimas padidins sud\u0117tingum\u0105 teikiant geriausius savo klas\u0117je patarimus HNWI. Tod\u0117l privat\u016bs bankai tur\u0117s investuoti \u012f savo darbuotojus ir sistemas, kuriomis jie remiasi. Darbuotojams reik\u0117s auk\u0161tos kokyb\u0117s mokym\u0173, kad gal\u0117t\u0173 nar\u0161yti naujame kra\u0161tovaizdyje. Tuo tarpu bankai turi sukurti strategin\u0119 sistem\u0105, kuri u\u017etikrint\u0173, kad jie gal\u0117t\u0173 pasi\u016blyti nuosekliai \u012ftikinam\u0105 pasi\u016blym\u0105, galint\u012f patenkinti labai skirting\u0173 klient\u0173 l\u016bkes\u010dius.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Apie_Autorius\"><\/span><span style=\"color: #999999;\"><strong>Apie Autorius<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Alessandro_Hatami_yra_vadovaujantis_partneris_Pacemakersio_konsultacine_imone_kurios_specializacija_yra_skaitmenine_finansu_transformacija_Jis_dirba_finansinese_organizacijose_visame_pasaulyje_iskaitant_JK_Europa_ir_Vidurinius_Rytus_Anksciau_jis_buvo_%E2%80%9ELloyds_Banking_Group%E2%80%9C_skaitmenines_bankininkystes_COO_ir_ejo_keleta_auksto_rango_pareigu_%E2%80%9EPayPal%E2%80%9C_%E2%80%9EPaypoint%E2%80%9C_ir_%E2%80%9EGE_Capital%E2%80%9C_Alessandro_yra_%E2%80%9EInvestopedia%E2%80%9C_geriausios_2021_m_knygos_apie_bankininkyste_ivertintos_knygos_%E2%80%9EReinventing_Banking_and_Finance%E2%80%9C_bendraautoris_Jis_yra_NED_investuotojas_i_technologiju_startuolius_ir_daznas_%E2%80%9EFintech%E2%80%9C_renginiu_pranesejas_visame_pasaulyje\"><\/span><strong><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-220492 alignleft\" src=\"https:\/\/www.europeanbusinessreview.com\/wp-content\/uploads\/2025\/01\/Alessandro-Hatami-1-1.jpg\" alt=\"Alessandro Hatami\" width=\"72\" height=\"93\"\/>Alessandro Hatam<\/strong><span data-contrast=\"none\"><strong>i<\/strong> <span style=\"color: #999999;\">yra vadovaujantis partneris<\/span><\/span><span style=\"color: #999999;\">  Pacemakers.io, konsultacin\u0117 \u012fmon\u0117, kurios specializacija yra skaitmenin\u0117 finans\u0173 transformacija. Jis dirba finansin\u0117se organizacijose visame pasaulyje, \u012fskaitant JK, Europ\u0105 ir Vidurinius Rytus<b>.<\/b> Anks\u010diau jis buvo \u201eLloyds Banking Group\u201c skaitmenin\u0117s bankininkyst\u0117s COO ir \u0117jo kelet\u0105 auk\u0161to rango pareig\u0173 \u201ePayPal\u201c, \u201ePaypoint\u201c ir \u201eGE Capital\u201c. Alessandro yra \u201eInvestopedia\u201c geriausios 2021 m. knygos apie bankininkyst\u0119 \u012fvertintos knygos \u201eReinventing Banking and Finance\u201c bendraautoris. Jis yra NED, investuotojas \u012f technologij\u0173 startuolius ir da\u017enas \u201eFintech\u201c rengini\u0173 prane\u0161\u0117jas visame pasaulyje.<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<\/p><\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.europeanbusinessreview.com\/private-banking-ai-enhanced-advice-new-asset-classes-wealth-super-apps-six-wealth-management-trends-for-2025\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Autorius Alessandro Hatami Privati \u200b\u200bbankininkyst\u0117 spar\u010diai auga augimas besivystan\u010diose rinkose pvz., Azija \u2013 svarbiausias 2024\u20132025 m. pasaulinio augimo variklis pagal HSBC \u2013 taip pat d\u0117l [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1483,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[200],"tags":[3529,2140,3532,2141,3531,364,1143,3530,3528,2763,3803,1142,1325,37],"class_list":["post-1482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-verslas-pasaulyje","tag-bankininkyste","tag-dirbtinio","tag-geroves","tag-intelekto","tag-klases","tag-naujos","tag-patarimai","tag-patobulinti","tag-privati","tag-sesios","tag-superprogramos","tag-tendencijos","tag-turto","tag-valdymo"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/posts\/1482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1482"}],"version-history":[{"count":0,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/posts\/1482\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=\/wp\/v2\/media\/1483"}],"wp:attachment":[{"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1482"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valstybeje.lt\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}