[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.papajam.sk\/chyba-ktora-zarobila-12-miliardy\/#Article","mainEntityOfPage":"https:\/\/www.papajam.sk\/chyba-ktora-zarobila-12-miliardy\/","headline":"Chyba, ktor\u00e1 zarobila 1,2 miliardy","name":"Chyba, ktor\u00e1 zarobila 1,2 miliardy","description":"V roku 2008 pracoval v Lond\u00fdne 28-ro\u010dn\u00fd est\u00f3nsky mana\u017e\u00e9r ako konzultant pre mana\u017ement, ke\u010f dostal ve\u013emi robustn\u00fd viano\u010dn\u00fd bonus 10 000 libier. \u00a0 Ke\u010f\u017ee \u00farokov\u00e9 sadzby boli v Est\u00f3nsku vy\u0161\u0161ie, rozhodol sa, \u017ee prevedie peniaze zo svojho be\u017en\u00e9ho britsk\u00e9ho \u00fa\u010dtu na svoj est\u00f3nsky sporiaci \u00fa\u010det, aby z\u00edskal viac pe\u0148az\u00ed. \u00a0 „Tak som zaplatil britskej banke...","datePublished":"2019-07-09","dateModified":"2023-10-29","author":{"@type":"Person","@id":"https:\/\/www.papajam.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.papajam.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"papajam.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.papajam.sk\/wp-content\/uploads\/img_a303916_w16552_t1564272097.jpg","url":"https:\/\/www.papajam.sk\/wp-content\/uploads\/img_a303916_w16552_t1564272097.jpg","height":0,"width":0},"url":"https:\/\/www.papajam.sk\/chyba-ktora-zarobila-12-miliardy\/","wordCount":415,"articleBody":"V roku 2008 pracoval v Lond\u00fdne 28-ro\u010dn\u00fd est\u00f3nsky mana\u017e\u00e9r ako konzultant pre mana\u017ement, ke\u010f dostal ve\u013emi robustn\u00fd viano\u010dn\u00fd bonus 10 000 libier.\u00a0Ke\u010f\u017ee \u00farokov\u00e9 sadzby boli v Est\u00f3nsku vy\u0161\u0161ie, rozhodol sa, \u017ee prevedie peniaze zo svojho be\u017en\u00e9ho britsk\u00e9ho \u00fa\u010dtu na svoj est\u00f3nsky sporiaci \u00fa\u010det, aby z\u00edskal viac pe\u0148az\u00ed.\u00a0„Tak som zaplatil britskej banke poplatok vo v\u00fd\u0161ke 15 libier a previedol 10 000 libier, a potom o t\u00fd\u017ede\u0148 nesk\u00f4r som videl, \u017ee na est\u00f3nskom \u00fa\u010dte pri\u0161lo o 500 libier menej, ako som o\u010dak\u00e1val,“ povedal teraz Kristo.\u00a0\u201eZa\u010dal som kopa\u0165, aby som zistil, \u010do sa stalo, a uvedomil som si, \u017ee som bol neuverite\u013ene hl\u00fapy.\u00a0„Mal som hl\u00fapo o\u010dak\u00e1val, \u017ee moja britsk\u00e1 banka by mi dala v\u00fdmenn\u00fd kurz, ktor\u00fd som videl, ke\u010f som sa pozrel na [spravodajsk\u00e9 dr\u00f4ty] Reuters a Bloomberg.“\u00a0„Namiesto toho banka pou\u017eila v\u00fdmenn\u00fd kurz o 5% menej priazniv\u00fd, \u010do je to, ako sa to a v\u0161etky ostatn\u00e9 banky dostan\u00fa na \u0161kodu. Bola to moja chyba.“\u00a0Na\u0161tvan\u00fd na seba, Kristo s\u013e\u00fabil, \u017ee pr\u00edde so sp\u00f4sobom, ako previes\u0165 peniaze v zahrani\u010d\u00ed, ktor\u00e9 odstr\u00e1nili banky z procesu.\u00a0Spo\u010diatku to bol len on a jeho est\u00f3nsky priate\u013e Taavet Hinrikus, ktor\u00fd bol v tom \u010dase riadite\u013eom telekomunika\u010dnej spolo\u010dnosti Skype, pri\u010dom neform\u00e1lne prev\u00e1dzal peniaze medzi sebou.\u00a0Fungovalo to preto, \u017ee Kristo \u010dasto chcel vymeni\u0165 libry \u0161terlingov za koruny, v tom \u010dase est\u00f3nsku menu, a naopak za Taaveta. Jednoducho si vybrali \u010doko\u013evek, \u010do bol stredn\u00fd trhov\u00fd kurz – priemern\u00fd v\u00fdmenn\u00fd kurz v dan\u00fd de\u0148.\u00a0Tak\u017ee v roku 2011 spustili LondonWorks TransferWise, finan\u010dn\u00fa technol\u00f3giu alebo „fintech“ webov\u00fa str\u00e1nku, ktor\u00e1 umo\u017e\u0148uje pou\u017e\u00edvate\u013eom previes\u0165 peniaze do zahrani\u010dia do inej meny za stredn\u00fa trhov\u00fa sadzbu za stanoven\u00fd poplatok vo v\u00fd\u0161ke 0,5%.\u00a0Dnes, TransferWise je glob\u00e1lny obchod, a investori patr\u00ed Virgin \u0161\u00e9f Sir Richard Branson a PayPal spoluzakladate\u013e Max Levchin.\u00a0Z\u00e1kazn\u00edci sa prv\u00fdkr\u00e1t dostali do prame\u0148a v\u010faka slov\u00e1m \u00fast, ale potom sa po pozit\u00edvnom presk\u00faman\u00ed na webovej str\u00e1nke technol\u00f3gie prudko zv\u00fd\u0161ili.\u00a0Aby sa predi\u0161lo ak\u00fdmko\u013evek pr\u00e1vnym probl\u00e9mom, Kristo a Taavet zabezpe\u010dili odbavenie a licencie od vtedaj\u0161ieho regula\u010dn\u00e9ho org\u00e1nu Spojen\u00e9ho kr\u00e1\u013eovstva, \u00faradu pre finan\u010dn\u00e9 slu\u017eby, predt\u00fdm, ako za\u010dali.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Chyba, ktor\u00e1 zarobila 1,2 miliardy","item":"https:\/\/www.papajam.sk\/chyba-ktora-zarobila-12-miliardy\/#breadcrumbitem"}]}]