{"id":29133,"date":"2023-10-22T17:50:26","date_gmt":"2023-10-22T14:50:26","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=29133"},"modified":"2023-10-22T17:50:26","modified_gmt":"2023-10-22T14:50:26","slug":"lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/","title":{"rendered":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?"},"content":{"rendered":"

Neseniai pristatyta 2018 m. Lietuvos Fintech ekosistemos ataskaita. Skai\u010diai i\u0161ties \u012fsp\u016bdingi: Lietuvoje \u012fsik\u016brusios 170 Fintech kompanijos, sektoriaus augimas pra\u0117jusiais metais \u2013 45 procentai, apie 2600 darbuotoj\u0173 dirba Fintech sektoriaus \u012fmon\u0117se, i\u0161 kuri\u0173 daugiau nei 700 \u012fsidarbino 2018 metais.<\/strong><\/p>\n

Lietuvos Fintech sektorius auga labiau nei bet kuris kitas \u016bkio sektoriaus. Tik\u0117tina, kad \u0161iemet, ypa\u010d d\u0117l padid\u0117jusio susidom\u0117jimo i\u0161 Jungtin\u0117s Karalyst\u0117s Fintech kompanij\u0173 ir nesl\u016bgstan\u010dio susidom\u0117jimo i\u0161 kit\u0173 \u0161ali\u0173 (Izraelio, Kinijos, Pranc\u016bzijos ir kit\u0173), augimo tempas nema\u017e\u0117s. Nepaisant to, Fintech \u012fmon\u0117s m\u016bs\u0173 \u0161alyje gali susidurti su nemenkais i\u0161\u0161\u016bkiais \u2013 grie\u017et\u0117jan\u010diu Lietuvos banko reguliavimu, augan\u010di\u0173 kvalifikuot\u0173 specialist\u0173 klausimu, sunkumais bendraujant su kredito \u012fstaigomis.<\/p>\n

G<\/strong>rie\u017et\u0117ja licencijas gavusi\u0173 Fintech kompanij\u0173 prie\u017ei\u016bra<\/strong><\/h3>\n

Vie\u0161os neigiamos reakcijos d\u0117l Revolut licencijos i\u0161davimo suk\u0117l\u0117 nepagr\u012fsto nerimo bang\u0105. \u0160ios istorijos kontekste liko ai\u0161ku viena \u2013 Lietuva netur\u0117jo ir neturi siekio tapti valstybe, lengvai teikian\u010dia licencijas finans\u0173 \u012fstaigoms be ypa\u010d kruop\u0161taus \u0161i\u0173 \u012fmoni\u0173 vertinimo. Siekiant toliau i\u0161likti valstybe, taikan\u010dia auk\u0161\u010diausius pasitik\u0117jimo standartus ir burian\u010dia Fintech bendruomen\u0119, kuriai priklauso auk\u0161\u010diausio lygio \u017eaid\u0117jai, toliau did\u0117s reikalavimai Fintech \u012fmon\u0117ms. Visai neseniai priimti Lietuvos banko \u012fstatymo pakeitimai, grie\u017etinantys finans\u0173 \u012fstaig\u0173 prie\u017ei\u016br\u0105 ir didinantys joms baudas bei atsakomyb\u0119 u\u017e teis\u0117s akt\u0173 nesilaikym\u0105, o tarpinstituciniu lygmeniu nuolat keliami su rizikos valdymu susij\u0119 klausimai.<\/p>\n

2018 m. gruod\u012f \u012fsigaliojus naujai Lietuvos banko valdybos nutarimo d\u0117l ataskait\u0173 sudarymo ir teikimo redakcijai, smarkiai padid\u0117jo informacijos, kuri\u0105 privalo pateikti Fintech \u012fmon\u0117s, apimtis. Vietoje 2 balansini\u0173 ir veiklos nuostoli\u0173 ataskait\u0173, Lietuvos bankui privaloma pateikti 11 ataskait\u0173 su informacija apie \u012fmoni\u0173 darbuotoj\u0173 skai\u010di\u0173, veiklos rodiklius, gaut\u0173 l\u0117\u0161\u0173 apsaug\u0105, suteiktas paskolas, gautus skundus, suteiktas paslaugas, s\u0105skait\u0173 u\u017edarym\u0105 ar apribojim\u0105. \u0160iems reikalavimams \u012fgyvendinti Fintech \u012fmon\u0117s reikalingi papildomi darbuotojai, j\u0173 apmokymai, atitinkamos pertvarkos jau veikian\u010diose IT sistemose. Fintech \u012fmon\u0117ms, veiklos prad\u017eioje turin\u010dioms 10-15 darbuotoj\u0173, tokie reikalavimai sukelia didel\u0119 administracin\u0119 na\u0161t\u0105.<\/p>\n

Fintech \u012fmon\u0117s svarsto, kaip gaunam\u0105 informacijos kiek\u012f apdoros Lietuvos bankas, o svarbiausia \u2013 koki\u0173 veiksm\u0173 \u017eada imtis: ar grie\u017etins reikalavimus licencijavimo procesui bei licencij\u0105 jau gavusioms Fintech \u012fmon\u0117ms? Gal vykdys intensyvesnius patikrinimus ir taikys poveikio priemones?<\/p>\n

Taigi, bendrov\u0117s, gavusios Lietuvos banko i\u0161duot\u0105 licencij\u0105 negali atsipalaiduoti: jos privalo nuolat atnaujinti savo vidaus tvarkas, vertinti vidaus ir i\u0161or\u0117s rizikos veiksnius bei taikyti naujausius reikalavimus atitinkan\u010dias rizikos valdymo priemones. Svarbu tai, kad vidaus procesams tinkamai suvaldyti ir padid\u0117jusiems reikalavimams \u012fgyvendinti reikalingi auk\u0161tos kvalifikacijos darbuotojai.<\/p>\n

Ar Lietuva turi ir tur\u0117s specialist\u0173 besikurian\u010dioms Fintech \u012fmon\u0117ms?<\/strong><\/h3>\n

Susidaro \u012fsp\u016bdis, kad Fintech ateitis m\u016bs\u0173 \u0161alyje yra \u0161viesi. Viena i\u0161 pastar\u0173j\u0173 met\u0173 Lietuvos prioritetini\u0173 mokslo ir inovacij\u0173 kryp\u010di\u0173 \u2013 informacin\u0117s technologijos. D\u0117l \u0161ios prie\u017easties, informacini\u0173 technologij\u0173 studij\u0173 finansavimas 2017 metais i\u0161augo 2 kartus, informacines technologijas studijuojan\u010di\u0173j\u0173 skai\u010dius 2013-2016 metais i\u0161augo 20 procent\u0173, o Lietuva pozicionuojama kaip besivystantis informacini\u0173 technologij\u0173 centras. Fintech \u012fmon\u0117ms sunkum\u0173 ie\u0161kant auk\u0161tos kvalifikacijos IT darbuotoj\u0173 nekyla, ta\u010diau pastebimas kit\u0173 specialist\u0173, itin reikaling\u0173 \u0161ioms \u012fmon\u0117ms tr\u016bkumas, t.y. vidaus auditori\u0173, turin\u010di\u0173 patirties finans\u0173 sektoriuje, atitikties pareig\u016bn\u0173 ir pinig\u0173 plovimo prevencijos specialist\u0173. Situacija tampa dar sud\u0117tingesn\u0117, kai \u0161i\u0173 auk\u0161tos kvalifikacijos darbuotoj\u0173 vienu metu ie\u0161ko dar de\u0161imtys konkurent\u0173, k\u0105 tik gavusi\u0173 mok\u0117jimo \u012fstaigos ar elektronini\u0173 pinig\u0173 \u012fstaigos licencij\u0105. Neradusios tinkam\u0173 darbuotoj\u0173 Lietuvoje, Fintech \u012fmon\u0117s juos \u012fdarbina u\u017esienio valstyb\u0117se, tod\u0117l didel\u0119 dal\u012f veiklos funkcij\u0173 perkelia svetur.<\/p>\n

Toks veiklos perk\u0117limas susij\u0119s ir su padid\u0117jusia rizika: Fintech \u012fmon\u0117, perk\u0117lusi svarbias veiklos funkcijas u\u017esienyje esantiems asmenims, privalo u\u017etikrinti vienodai auk\u0161to lygio operacin\u0117s rizikos valdym\u0105, kyla papildomi klausimai susij\u0119 su duomen\u0173 perk\u0117limu. \u0160ias rizikas ne visada lengva suvaldyti, ypa\u010d turint omenyje tai, kad veiklos funkcij\u0105 per\u0117m\u0119s subjektas gali nesuprasti Lietuvos teis\u0117s akt\u0173 reikalavim\u0173. Situacija gal\u0117t\u0173 pasikeisti, jei valstybiniu lygmeniu b\u016bt\u0173 u\u017etikrintas speciali\u0173 \u017eini\u0173 turin\u010di\u0173 darbuotoj\u0173, orientuot\u0173 \u012f Fintech sektori\u0173, ugdymas. Tam svarbus ne tik Lietuvos banko, kaip finans\u0173 sektori\u0173 pri\u017ei\u016brin\u010dios institucijos vaidmuo, bet ir atitinkamus specialistus rengian\u010di\u0173 institucij\u0173, mokslo \u012fstaig\u0173 aktyvus \u012fsitraukimas. Tokiu b\u016bdu ne tik licencijavimo proceso, ta\u010diau ir realios veiklos centru tapt\u0173 Lietuva.<\/p>\n

Sunkumai Fintech \u012fmon\u0117ms bendradarbiaujant su kredito \u012fstaigomis<\/strong><\/h3>\n

Tiek Lietuvoje, tiek kitose \u0161alyse, viena pagrindini\u0173 problem\u0173, su kuria susiduria Fintech \u012fmon\u0117s \u2013 bank\u0173 vengimas atidaryti s\u0105skaitas \u0161ioms \u012fmon\u0117ms. Viena pagrindini\u0173 garantij\u0173 klient\u0173 l\u0117\u0161\u0173 apsaugai Fintech \u012fmoni\u0173 nemokumo atveju \u2013 l\u0117\u0161\u0173 saugojimas jas atskiriant nuo kit\u0173 fizini\u0173 ar juridini\u0173 asmen\u0173, kurie n\u0117ra klientai, l\u0117\u0161\u0173, arba \u0161i\u0173 l\u0117\u0161\u0173 draudimas, taip pat garantijos ar laidavimo ra\u0161to, i\u0161duoto Lietuvos Respublikos draudimo \u012fmon\u0117s ar kredito \u012fstaigos (\u012fskaitant u\u017esienio valstyb\u0117s draudimo \u012fmon\u0117s ar kredito \u012fstaigos filial\u0105, \u012fsteigt\u0105 Lietuvos Respublikoje) arba kitos valstyb\u0117s nar\u0117s draudimo \u012fmon\u0117s ar kredito \u012fstaigos, gavimas. Be to, \u0161ias klient\u0173 l\u0117\u0161as Fintech \u012fmon\u0117s gali investuoti \u012f saug\u0173, likvid\u0173 ir ma\u017eos rizikos turt\u0105 prie\u017ei\u016bros institucijos nustatyta tvarka.<\/p>\n

Kadangi \u0161iuo metu toki\u0173 l\u0117\u0161\u0173 investavimui rinka n\u0117ra palanki, Fintech \u012fmon\u0117s paprastai renkasi l\u0117\u0161\u0173 saugojim\u0105 atskiroje s\u0105skaitoje \u00a0– tai da\u017eniausias l\u0117\u0161\u0173 apsaugos b\u016bdas, centriniame banke ar toki\u0173 l\u0117\u0161\u0173 draudim\u0105 – ma\u017eiau populiarus b\u016bdas d\u0117l ribotos toki\u0173 draudimo produkt\u0173 pasi\u016blos ir dideli\u0173 \u012fkaini\u0173. Vis tik kreipiantis \u012f bank\u0105 d\u0117l klient\u0173 l\u0117\u0161\u0173 s\u0105skaitos atidarymo ar garantijos i\u0161davimo, Fintech \u012fmon\u0117s neretai susiduria su nepalankiu bank\u0173 po\u017ei\u016briu.<\/p>\n

Suprantama, kad Fintech startuolis, k\u0105 tik gav\u0119s licencij\u0105 ir bekuriantis versl\u0105, n\u0117ra itin patrauklus banko klientas. Be to, toki\u0173 Fintech \u012fmoni\u0173 klientai da\u017enai yra padidintos rizikos subjektai.<\/p>\n

\u0160i itin atsargi bank\u0173 pozicija, gali b\u016bti d\u0117l j\u0173 nenoro prisiimti didesn\u0119 rizik\u0105 u\u017e s\u0105lyginai nedidel\u0119 \u0161i\u0173 \u012fmoni\u0173 generuojam\u0105 gr\u0105\u017e\u0105 bankui. Didesn\u0119 rizik\u0105 bankai Fintech \u012fmon\u0117ms paprastai priskiria d\u0117l to, kad n\u0117ra tikri d\u0117l tokiose atskirose s\u0105skaitose laikom\u0173 l\u0117\u0161\u0173 kilm\u0117s, Fintech \u012fmon\u0117s akcinink\u0173 strukt\u016bros, vidaus proced\u016br\u0173 ir kt. Be to, toki\u0173 \u012fmoni\u0173 vertinimui reikalingi papildomi bank\u0173 resursai. D\u0117l \u0161i\u0173 prie\u017eas\u010di\u0173 bankai da\u017enai atsisako atidaryti s\u0105skait\u0105 Fintech \u012fmonei.<\/p>\n

Vis d\u0117lto, tam tikr\u0105 \u012frank\u012f situacijai spr\u0119sti prie\u017ei\u016bros institucija turi. Nuo 2018 m. rugpj\u016b\u010dio, \u012fsigaliojus naujai Mok\u0117jimo \u012fstatymo redakcijai, kredito \u012fstaiga, atsisakiusi atidaryti mok\u0117jimo \u012fstaigai ar elektronini\u0173 pinig\u0173 \u012fstaigai mok\u0117jimo s\u0105skait\u0105, privalo nedelsdama apie tai prane\u0161ti prie\u017ei\u016bros institucijai ir nurodyti tokio atsisakymo prie\u017eastis. Taip siekiama pri\u017ei\u016br\u0117ti, ar atsisakymo prie\u017eastys yra pagr\u012fstos, ar priimant sprendim\u0105 laikomasi objektyvumo, nediskriminavimo ir proporcingumo princip\u0173. Deja, bet praktikoje tokie prane\u0161imai prie\u017ei\u016bros institucijai siun\u010diami retai.<\/p>\n

Kaip Fintech \u012fmoni\u0173 veikla gal\u0117t\u0173 b\u016bti vykdoma skland\u017eiau? I\u0161eitis b\u016bt\u0173, jei rinkoje atsirast\u0173 daugiau reali\u0173 galimybi\u0173 pasirinkti kitus klient\u0173 l\u0117\u0161\u0173 apsaugos b\u016bdus, pavyzd\u017eiui – \u00a0naujus draudimo produktus ar investavim\u0105 \u012f kitas kryptis, teikian\u010dias investicin\u0119 gr\u0105\u017e\u0105.<\/p>\n

Advokat\u0173 kontoros \u201eCobalt\u201d advokat\u0117, vyresnioji teisinink\u0117 Justina Mila\u0161auskien\u0117<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Neseniai pristatyta 2018 m. Lietuvos Fintech ekosistemos ataskaita. Skai\u010diai i\u0161ties \u012fsp\u016bdingi: Lietuvoje \u012fsik\u016brusios 170 Fintech kompanijos, sektoriaus augimas pra\u0117jusiais metais \u2013 45 procentai, apie 2600 darbuotoj\u0173 dirba Fintech sektoriaus \u012fmon\u0117se, i\u0161 kuri\u0173 daugiau nei 700 \u012fsidarbino 2018 metais. Lietuvos Fintech..<\/p>\n","protected":false},"author":6,"featured_media":27491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"country":[92],"class_list":["post-29133","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt","country-lithuania-lt"],"acf":[],"yoast_head":"\nLietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau? | COBALT<\/title>\n<meta name=\"description\" content=\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?. News. Naujienos. Jaunumi. Uudised.\" \/>\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.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau? | COBALT\" \/>\n<meta property=\"og:description\" content=\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?. News. Naujienos. Jaunumi. Uudised.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/\" \/>\n<meta property=\"og:site_name\" content=\"COBALT\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CobaltLegal\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-22T14:50:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/stage.www.cobalt.legal\/wp-content\/uploads\/2023\/10\/justina-milasauskiene.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"619\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ilze Augstkalne\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ilze Augstkalne\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\u0117s\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/\"},\"author\":{\"name\":\"Ilze Augstkalne\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/person\\\/a96c052a2eba55b2f6b995c69436c3aa\"},\"headline\":\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?\",\"datePublished\":\"2023-10-22T14:50:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/\"},\"wordCount\":1181,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/justina-milasauskiene.jpg\",\"articleSection\":[\"Uncategorized @lt\"],\"inLanguage\":\"lt-LT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/\",\"name\":\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau? | COBALT\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/justina-milasauskiene.jpg\",\"datePublished\":\"2023-10-22T14:50:26+00:00\",\"description\":\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?. News. Naujienos. Jaunumi. Uudised.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#breadcrumb\"},\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/justina-milasauskiene.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/10\\\/justina-milasauskiene.jpg\",\"width\":1100,\"height\":619},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/news-cases\\\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#website\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/\",\"name\":\"COBALT\",\"description\":\"Top-tier law services in Estonia, Latvia and Lithuania\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lt-LT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#organization\",\"name\":\"COBALT\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"width\":400,\"height\":116,\"caption\":\"COBALT\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CobaltLegal\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/#\\\/schema\\\/person\\\/a96c052a2eba55b2f6b995c69436c3aa\",\"name\":\"Ilze Augstkalne\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lt\\\/author\\\/ilze\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau? | COBALT","description":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?. News. Naujienos. Jaunumi. Uudised.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/","og_locale":"lt_LT","og_type":"article","og_title":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau? | COBALT","og_description":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?. News. Naujienos. Jaunumi. Uudised.","og_url":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/","og_site_name":"COBALT","article_publisher":"https:\/\/www.facebook.com\/CobaltLegal\/","article_published_time":"2023-10-22T14:50:26+00:00","og_image":[{"width":1100,"height":619,"url":"https:\/\/stage.www.cobalt.legal\/wp-content\/uploads\/2023\/10\/justina-milasauskiene.jpg","type":"image\/jpeg"}],"author":"Ilze Augstkalne","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Ilze Augstkalne","Est. reading time":"5 minut\u0117s"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#article","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/"},"author":{"name":"Ilze Augstkalne","@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/person\/a96c052a2eba55b2f6b995c69436c3aa"},"headline":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?","datePublished":"2023-10-22T14:50:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/"},"wordCount":1181,"publisher":{"@id":"https:\/\/www.cobalt.legal\/lt\/#organization"},"image":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/10\/justina-milasauskiene.jpg","articleSection":["Uncategorized @lt"],"inLanguage":"lt-LT"},{"@type":"WebPage","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/","url":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/","name":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau? | COBALT","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#primaryimage"},"image":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/10\/justina-milasauskiene.jpg","datePublished":"2023-10-22T14:50:26+00:00","description":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?. News. Naujienos. Jaunumi. Uudised.","breadcrumb":{"@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#breadcrumb"},"inLanguage":"lt-LT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/"]}]},{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#primaryimage","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/10\/justina-milasauskiene.jpg","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/10\/justina-milasauskiene.jpg","width":1100,"height":619},{"@type":"BreadcrumbList","@id":"https:\/\/www.cobalt.legal\/lt\/news-cases\/lietuva-suzibo-pasaulio-fintech-zemelapyje-kas-toliau\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cobalt.legal\/lt\/"},{"@type":"ListItem","position":2,"name":"Lietuva su\u017eibo pasaulio Fintech \u017eem\u0117lapyje: kas toliau?"}]},{"@type":"WebSite","@id":"https:\/\/www.cobalt.legal\/lt\/#website","url":"https:\/\/www.cobalt.legal\/lt\/","name":"COBALT","description":"Top-tier law services in Estonia, Latvia and Lithuania","publisher":{"@id":"https:\/\/www.cobalt.legal\/lt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cobalt.legal\/lt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Organization","@id":"https:\/\/www.cobalt.legal\/lt\/#organization","name":"COBALT","url":"https:\/\/www.cobalt.legal\/lt\/","logo":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/logo\/image\/","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","width":400,"height":116,"caption":"COBALT"},"image":{"@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CobaltLegal\/"]},{"@type":"Person","@id":"https:\/\/www.cobalt.legal\/lt\/#\/schema\/person\/a96c052a2eba55b2f6b995c69436c3aa","name":"Ilze Augstkalne","url":"https:\/\/www.cobalt.legal\/lt\/author\/ilze\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts\/29133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/comments?post=29133"}],"version-history":[{"count":1,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts\/29133\/revisions"}],"predecessor-version":[{"id":29134,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/posts\/29133\/revisions\/29134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/media\/27491"}],"wp:attachment":[{"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/media?parent=29133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/categories?post=29133"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lt\/wp-json\/wp\/v2\/country?post=29133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}