{"id":46892,"date":"2025-11-22T10:02:19","date_gmt":"2025-11-22T10:02:19","guid":{"rendered":"https:\/\/www.theconservative.online\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme"},"modified":"2025-11-22T10:02:19","modified_gmt":"2025-11-22T10:02:19","slug":"europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme","status":"publish","type":"post","link":"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme","title":{"rendered":"Europa poo\u0161trava pravila za &#8220;Kupi sada, plati kasnije&#8221;: \u0160to reforma iz 2026. zna\u010di za potro\u0161a\u010de i platforme"},"content":{"rendered":"<h2>Procvat tr\u017ei\u0161ta suo\u010dava se s velikom regulatornom promjenom jer EU uvodi stro\u017ee standarde transparentnosti, provjere solventnosti i jedinstvene obveze za pru\u017eatelje obro\u010dne otplate.<\/h2>\n<p>&#8220;Kupi sada, plati kasnije&#8221; (BNPL) brzo je postao poznata zna\u010dajka potro\u0161a\u010dkih navika u Italiji, odra\u017eavaju\u0107i trendove koji se vide u ve\u0107em dijelu Europe. Ono \u0161to je zapo\u010delo kao ni\u0161na opcija koju su prvenstveno koristili digitalno osvije\u0161teni kupci, razvilo se u glavnu metodu pla\u0107anja koju prihva\u0107aju generacije. Privla\u010dnost je jasna: brzo odobrenje, bez kamata i mogu\u0107nost dijeljenja malih kupnji na upravljive rate. No, krajolik \u0107e se uskoro zna\u010dajno promijeniti. Nova direktiva EU-a \u2013 koja bi trebala biti usvojena do 20. studenog ove godine, a stupiti na snagu 20. studenog 2026. \u2013 uvest \u0107e stro\u017ei regulatorni okvir koji \u0107e preoblikovati i za\u0161titu potro\u0161a\u010da i odgovornosti pru\u017eatelja usluga.    <\/p>\n<h3>Stro\u017ea regulatorna linija<\/h3>\n<p>U sredi\u0161tu reforme je redefinicija onoga \u0161to se smatra BNPL-om u odnosu na potro\u0161a\u010dki kredit. Danas je granica povu\u010dena na 90 dana: planovi obro\u010dne otplate kra\u0107i od ovog praga tretiraju se kao BNPL, dok dulji planovi spadaju pod pravila o potro\u0161a\u010dkim kreditima. Me\u0111utim, prema novoj direktivi ta \u0107e se granica drasti\u010dno smanjiti &#8211; na 50 dana za kupnje u trgovinama i samo 14 dana za online transakcije.  <\/p><div class='related_content'><span>RELATED<\/span><ul><li><a href='https:\/\/www.theconservative.online\/hr\/eu-pokrece-potpuni-sustav-ulaska-izlaska-digitalna-revizija-granicnih-kontrola'>EU pokre\u0107e potpuni sustav ulaska\/izlaska: Digitalna revizija grani\u010dnih kontrola<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/hr\/italija-premasila-cilj-eu-a-u-broju-ucenika-koji-napustaju-skolovanje-pet-godina-ranije'>Italija prema\u0161ila cilj EU-a u broju u\u010denika koji napu\u0161taju \u0161kolovanje pet godina ranije<\/li><\/a><li><a href='https:\/\/www.theconservative.online\/hr\/izmedu-odanosti-i-interesa-zasto-europa-mora-prerasti-svoju-sigurnosnu-ovisnost-o-sjedinjenim-drzavama'>Izme\u0111u odanosti i interesa: Za\u0161to Europa mora prerasti svoju sigurnosnu ovisnost o Sjedinjenim Dr\u017eavama<\/li><\/a><\/ul><\/div>\n<p>Ova promjena ima neposredne posljedice. Platforme poput Klarne, Scalapaya i PayPala, koje obi\u010dno nude rokove otplate od 60 dana, morat \u0107e se pridr\u017eavati propisa o potro\u0161a\u010dkim kreditima. To uklju\u010duje detaljne predugovorne objave i obvezne procjene sposobnosti kupca za otplatu. Drugim rije\u010dima, pru\u017eatelji BNPL-a uskoro \u0107e biti podlo\u017eni obvezama sli\u010dnim onima koje se tradicionalno name\u0107u bankama i financijskim institucijama.   <\/p>\n<h3>Ja\u010danje za\u0161tite &#8211; ali po koju cijenu?<\/h3>\n<p>Nova pravila imaju za cilj pove\u0107ati transparentnost i smanjiti rizik od zadu\u017eivanja potro\u0161a\u010da kojima ne mogu upravljati. Iako to pobolj\u0161ava za\u0161titu, tako\u0111er prisiljava tvrtke BNPL-a da preispitaju interne procese, oja\u010daju provjere solventnosti i standardiziraju informacije u svim ponudama. Zabrinutost je da bi se ti vi\u0161i tro\u0161kovi uskla\u0111enosti u kona\u010dnici mogli prenijeti na potro\u0161a\u010de, naru\u0161avaju\u0107i prednost nulte kamate koja je potaknula uspjeh BNPL-a.  <\/p>\n<p>Tajming je klju\u010dan. Tr\u017ei\u0161te BNPL-a u Italiji raslo je vrtoglavom brzinom: prema istra\u017eivanju Politecnico di Milano, volumen transakcija sko\u010dio je s 0,4 milijarde eura u 2020. na 6,8 milijardi eura u 2024. Rast se nastavlja i u 2025., a Crif je izvijestio o porastu od 28% u prvoj polovici godine. Takvo \u0161irenje odra\u017eava ne samo pove\u0107anu upotrebu ve\u0107 i \u0161irenje demografske baze. Stariji potro\u0161a\u010di, nekada oprezni prema digitalnim financijama, pridru\u017eili su se mla\u0111im generacijama u prihva\u0107anju BNPL-a. Posebno je zna\u010dajan porast korisnika bez prethodne kreditne povijesti, koji sada \u010dine oko 17% BNPL klijenata &#8211; gotovo dvostruko vi\u0161e od udjela koji se vidi kod tradicionalnih malih kredita.     <\/p>\n<h3>Platforme se prilago\u0111avaju: Dugoro\u010dni rokovi i hibridni modeli<\/h3>\n<p>Kako bi se pripremili za novi regulatorni krajolik \u2013 i ostali konkurentni \u2013 glavni pru\u017eatelji usluga BNPL-a ve\u0107 prilago\u0111avaju svoje strategije. PayPal je uveo obro\u010dne planove do 24 mjeseca, s kamatnim stopama koje variraju ovisno o duljini roka. Klarna sada nudi opcije od \u0161est i dvanaest mjeseci vezane uz iznos kupnje. Scalapay, uz podr\u0161ku partnerstva s Deutsche Bank, nudi planove do 36 mjeseci, ponekad bez kamata, a ponekad ure\u0111ene ugovorima dogovorenim izravno s trgovcima. Ovi doga\u0111aji signaliziraju postupni prelazak na hibridne modele koji sve vi\u0161e nalikuju konvencionalnom financiranju.    <\/p>\n<h3>Tradicionalne alternative i dalje dr\u017ee svoj polo\u017eaj<\/h3>\n<p>Unato\u010d usponu BNPL-a, tradicionalni alati financiranja ostaju \u010dvrsto na mjestu. U velikim trgova\u010dkim lancima, krediti s nultom kamatnom stopom i dalje se \u0161iroko koriste za skupe kupnje, pru\u017eaju\u0107i potro\u0161a\u010dima predvidljive uvjete otplate bez dodatnih tro\u0161kova. Druga rje\u0161enja nagla\u0161avaju jednostavnost i dostupnost: PagoDil, koji je razvio Cofidis, omogu\u0107uje kupcima podjelu pla\u0107anja do 5000 eura na mjese\u010dne rate bez dodatnih naknada, koriste\u0107i pojednostavljeni postupak odobravanja na temelju trenutne provjere dokumenata. Sli\u010dno tome, Agos nudi Agospay Zero karticu koja omogu\u0107uje raspodjelu tro\u0161kova preko 500 eura na deset mjese\u010dnih rata bez kamata, osim male naknade za upravljanje.   <\/p>\n<h3>Razumijevanje rizika<\/h3>\n<p>\u010cak i uz nadolaze\u0107e stro\u017ee propise, najve\u0107i rizik povezan s BNPL-om le\u017ei u pona\u0161anju korisnika. Mnogi potro\u0161a\u010di do\u017eivljavaju BNPL kao \u201elagani\u201c oblik kredita, zaboravljaju\u0107i da se vi\u0161e malih obveza mo\u017ee brzo akumulirati. To se posebno odnosi na mla\u0111e korisnike, koji mogu aktivirati nekoliko planova obro\u010dne otplate bez jasne slike o svom ukupnom nepodmirenom dugu. Same BNPL tvrtke sve vi\u0161e priznaju ovaj problem: nekontrolirano slojevito pla\u0107anje na rate mo\u017ee dovesti do rastu\u0107e financijske izlo\u017eenosti.   <\/p>\n<p>Cilj nadolaze\u0107e direktive EU je sprije\u010diti takve situacije osiguravanjem da i pru\u017eatelji usluga i potro\u0161a\u010di imaju jasnije razumijevanje obveza otplate. Rana intervencija &#8211; bilo putem pregleda prora\u010duna, revidiranih uvjeta pla\u0107anja ili podr\u0161ke pru\u017eatelja usluga &#8211; postat \u0107e klju\u010dna kada rate po\u010dnu uvelike opteretiti financije ku\u0107anstava. <\/p>\n<p>Kako se bli\u017ei 2026. godina, europski BNPL ekosustav priprema se za transformaciju. Tr\u017ei\u0161te \u0107e vjerojatno ostati dinami\u010dno, ali njegova sljede\u0107a faza zahtijevat \u0107e ve\u0107u odgovornost, transparentnost i svijest i od tvrtki koje ga oblikuju i od potro\u0161a\u010da koji se na njega oslanjaju. <\/p>\n<p>&nbsp;<\/p>\n<h4>Alessandro Fiorentino<\/h4>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>Procvat tr\u017ei\u0161ta suo\u010dava se s velikom regulatornom promjenom jer EU uvodi stro\u017ee standarde transparentnosti, provjere solventnosti i jedinstvene obveze za pru\u017eatelje obro\u010dne otplate. &#8220;Kupi sada, plati kasnije&#8221; (BNPL) brzo je postao poznata zna\u010dajka potro\u0161a\u010dkih navika u Italiji, odra\u017eavaju\u0107i trendove koji se vide u ve\u0107em dijelu Europe. Ono \u0161to je zapo\u010delo kao ni\u0161na opcija koju su [&hellip;]<\/p>\n","protected":false},"author":75,"featured_media":46716,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[151],"tags":[2183,2179,2718,2178,2721,2722,2719,2716,2715,2723,2717,2720,250,237,215,247,270,268,283,316,599,146,252,282],"editorial-positions":[],"regions":[330,336,343,354,366,403],"types":[413,450,426],"class_list":["post-46892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trgovina-i-ekonomija","tag-acquisti","tag-commercio","tag-dilazionare","tag-ecommerce","tag-karna","tag-klarna","tag-pagamanti","tag-pagamento","tag-pay","tag-paypal","tag-rate","tag-rateizzare","tag-economy","tag-energy","tag-eu","tag-eu-council","tag-europa","tag-europe","tag-european-commission","tag-european-parliament","tag-european-union","tag-politics","tag-technology","tag-ursula-von-der-leyen","regions-central-europe-hr","regions-eastern-europe-hr","regions-northern-europe-hr","regions-southern-europe-hr","regions-western-europe-hr","regions-world-hr","types-news-hr","types-opinion-hr","types-polls-hr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Europa poo\u0161trava pravila za &quot;Kupi sada, plati kasnije&quot;: \u0160to reforma iz 2026. zna\u010di za potro\u0161a\u010de i platforme - The Conservative<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Europa poo\u0161trava pravila za &quot;Kupi sada, plati kasnije&quot;: \u0160to reforma iz 2026. zna\u010di za potro\u0161a\u010de i platforme - The Conservative\" \/>\n<meta property=\"og:description\" content=\"Procvat tr\u017ei\u0161ta suo\u010dava se s velikom regulatornom promjenom jer EU uvodi stro\u017ee standarde transparentnosti, provjere solventnosti i jedinstvene obveze za pru\u017eatelje obro\u010dne otplate. &#8220;Kupi sada, plati kasnije&#8221; (BNPL) brzo je postao poznata zna\u010dajka potro\u0161a\u010dkih navika u Italiji, odra\u017eavaju\u0107i trendove koji se vide u ve\u0107em dijelu Europe. Ono \u0161to je zapo\u010delo kao ni\u0161na opcija koju su [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme\" \/>\n<meta property=\"og:site_name\" content=\"The Conservative\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-22T10:02:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2025\/11\/payment-4334491_1280.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Gianluca Guarino\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisao\/la\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gianluca Guarino\" \/>\n\t<meta name=\"twitter:label2\" content=\"Procijenjeno vrijeme \u010ditanja\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme\"},\"author\":{\"name\":\"Gianluca Guarino\",\"@id\":\"https:\/\/www.theconservative.online\/hr#\/schema\/person\/46c9b8a1ba7a0e0b73f01e5e8593e28a\"},\"headline\":\"Europa poo\u0161trava pravila za &#8220;Kupi sada, plati kasnije&#8221;: \u0160to reforma iz 2026. zna\u010di za potro\u0161a\u010de i platforme\",\"datePublished\":\"2025-11-22T10:02:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme\"},\"wordCount\":932,\"image\":{\"@id\":\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.theconservative.online\/wp-content\/uploads\/2025\/11\/payment-4334491_1280.jpg\",\"keywords\":[\"#acquisti\",\"#commercio\",\"#dilazionare\",\"#ecommerce\",\"#karna\",\"#klarna\",\"#pagamanti\",\"#pagamento\",\"#pay\",\"#paypal\",\"#rate\",\"#rateizzare\",\"Economy\",\"energy\",\"EU\",\"EU Council\",\"europa\",\"europe\",\"European Commission\",\"European Parliament\",\"European Union\",\"Politics\",\"technology\",\"Ursula von der Leyen\"],\"articleSection\":[\"Trgovina i ekonomija\"],\"inLanguage\":\"hr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme\",\"url\":\"https:\/\/www.theconservative.online\/hr\/europa-poostrava-pravila-za-kupi-sada-plati-kasnije-sto-reforma-iz-2026-znaci-za-potrosace-i-platforme\",\"name\":\"Europa poo\u0161trava pravila za \\\"Kupi sada, plati kasnije\\\": \u0160to reforma iz 2026. zna\u010di za potro\u0161a\u010de i platforme - 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