{"id":10882,"date":"2026-01-20T11:18:34","date_gmt":"2026-01-20T11:18:34","guid":{"rendered":"https:\/\/thecodest.co\/blog\/\/"},"modified":"2026-03-05T11:21:34","modified_gmt":"2026-03-05T11:21:34","slug":"internetiniu-banku-mobiliosios-bankininkystes-funkcijos","status":"publish","type":"post","link":"https:\/\/thecodest.co\/lt\/blog\/mobile-banking-features-of-online-banks\/","title":{"rendered":"Internetini\u0173 bank\u0173 mobiliosios bankininkyst\u0117s funkcijos"},"content":{"rendered":"<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<p>Jei atidar\u0117te <a href=\"https:\/\/thecodest.co\/lt\/dictionary\/how-fintech-helps-banks\/\">bankas<\/a> s\u0105skait\u0105 per pastaruosius kelerius metus, yra didel\u0117 tikimyb\u0117, kad n\u0117 karto nebuvote \u012f\u017eeng\u0119 \u012f filial\u0105. Iki 2026 m. tik internetu <a href=\"https:\/\/thecodest.co\/lt\/blog\/fintech-app-development-services-features-in-2026\/\">bankai<\/a> tapo numatytuoju pasirinkimu milijonams amerikie\u010di\u0173, kurie savo finansin\u0119 veikl\u0105 valdo tik per <strong>mobilusis <a href=\"https:\/\/thecodest.co\/lt\/dictionary\/what-is-fintech-in-banking\/\">bankininkyst\u0117<\/a> programa<\/strong>. Naujausi <a href=\"https:\/\/thecodest.co\/lt\/blog\/app-data-collection-security-risks-value-and-types-explored\/\">duomenys<\/a> rodo, kad ma\u017edaug 76% suaugusi\u0173 JAV gyventoj\u0173 naudojosi <strong>bankininkyst\u0117s program\u0117l\u0117<\/strong> ankstesniais metais, o kiekvien\u0105 ketvirt\u012f \u0161is skai\u010dius did\u0117ja.<\/p>\n\n\n\n<p>Internetiniai bankai, tokie kaip \"Ally\", \"Chime\" ir \"Capital One 360\", veikia be fizini\u0173 skyri\u0173, pasikliaudami mobiliuoju ry\u0161iu ir <strong>internetin\u0117s bankininkyst\u0117s platformos<\/strong> kaip pagrindin\u012f ir da\u017enai vienintel\u012f klient\u0173 kontaktin\u012f ta\u0161k\u0105. \u0160iame straipsnyje aptariami geriausi <strong>mobiliosios bankininkyst\u0117s funkcijos<\/strong> ir paai\u0161kina, kuo jos skiriasi nuo tradicini\u0173 bank\u0173 si\u016blom\u0173 paslaug\u0173. Su\u017einosite, kad interneto bankai paprastai grei\u010diau i\u0161leid\u017eia naujas program\u0117l\u0117s funkcijas, \u012fskaitant dirbtinio intelekto \u012f\u017evalgas, automatines taupymo priemones ir pa\u017eangias korteli\u0173 kontrol\u0117s priemones, kurios yra paveld\u0117tos. <strong>finans\u0173 \u012fstaigos<\/strong> vis dar vejasi.<\/p>\n\n\n\n<p>Ap\u017evelgsime svarbiausius dalykus: saugum\u0105 ir autentifikavim\u0105, mok\u0117jimus ir skaitmenines pinigines, taupymo automatizavim\u0105, <a href=\"https:\/\/thecodest.co\/lt\/blog\/the-rise-of-ai-in-the-baltics-discussion-on-estonia-latvia-and-lithuanias-tech-scene\/\">AI<\/a> finans\u0173 valdym\u0105, apdovanojim\u0173 programas ir paskyros valdym\u0105, kuriuos galite valdyti vos keliais bakstel\u0117jimais.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pagrindiniai mobiliosios bankininkyst\u0117s pagrindai<\/h2>\n\n\n\n<p>Prie\u0161 prad\u0117dami nagrin\u0117ti i\u0161pl\u0117stines funkcijas, nustatykime pagrindinius parametrus. Nuo 2026 m. kiekvienas rimtas interneto bankas savo mobiliojoje program\u0117l\u0117je tur\u0117t\u0173 tur\u0117ti \u0161ias privalomas funkcijas.<\/p>\n\n\n\n<p><strong>Prieiga ir matomumas realiuoju laiku:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Patikrinkite <strong>s\u0105skait\u0173 liku\u010diai<\/strong> akimirksniu, o turimas likutis atnaujinamas po kiekvienos operacijos.<\/li>\n\n\n\n<li>Per\u017ei\u016br\u0117kite vis\u0105 sandori\u0173 istorij\u0105 su prekybinink\u0173 pavadinimais, kategorijomis ir laiko \u017eymomis<\/li>\n\n\n\n<li>Per\u017ei\u016br\u0117kite laukian\u010dias operacijas prie\u0161 jas \u012ftraukdami \u012f savo s\u0105skait\u0105<\/li>\n<\/ul>\n\n\n\n<p><strong>Pinig\u0173 jud\u0117jimo pagrindai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pinig\u0173 pervedimas<\/strong> tarp savo paskyr\u0173 i\u0161 karto<\/li>\n\n\n\n<li>susieti i\u0161orines s\u0105skaitas per saugias jungtis (\"Plaid\", \"Finicity\" ar pan.), kad gal\u0117tum\u0117te pervesti l\u0117\u0161as \u012f kitus bankus ir i\u0161 j\u0173.<\/li>\n\n\n\n<li><strong>Mobilusis \u010deki\u0173 \u012fne\u0161imas<\/strong> naudodami telefono kamer\u0105 daugelis interneto bank\u0173 leid\u017eia \u012fne\u0161ti \u010dekius iki $50,000 kasdien, o l\u0117\u0161os da\u017enai pasiekiamos per kelias minutes.<\/li>\n<\/ul>\n\n\n\n<p><strong>Visada \u012fjungta prieiga:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bankas internetu<\/strong> 24 valandas per par\u0105, 7 dienas per savait\u0119, neribojant filialo darbo laiko, kada galite valdyti savo pinigus<\/li>\n\n\n\n<li>Prisijungti prie savo paskyros internetu arba per mobili\u0105j\u0105 program\u0117l\u0119 su tokiomis pa\u010diomis funkcijomis.<\/li>\n<\/ul>\n\n\n\n<p>Vartotojo s\u0105saja taip pat svarbi. . <strong>geriausios bankininkyst\u0117s program\u0117l\u0117s<\/strong> tur\u0117ti \u0161var\u0173 prietais\u0173 skydel\u012f su <strong>s\u0105skait\u0173 liku\u010diai<\/strong> matomoje vietoje vir\u0161uje, apa\u010dioje pateikiamas naujausi\u0173 operacij\u0173 s\u0105ra\u0161as ir greitos prieigos mygtukai, skirti \u012fprastiems veiksmams, pvz., \"Mok\u0117ti\", \"Pervesti\" ir \"\u012ene\u0161ti \u010dek\u012f\". \u0160is dizainas atspindi tai, ko dabar tikisi 80% vartotoj\u0173: visi\u0161k\u0105 mobiliojo ir stalinio kompiuterio patirties lygyb\u0119.<\/p>\n\n\n<a href=\"https:\/\/thecodest.co\/en\/case-studies\/software-development-services-for-a-blockchain-company\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n<img decoding=\"async\" src=\"https:\/\/thecodest.co\/app\/uploads\/2026\/02\/970x250-2.png\" alt=\"Programin\u0117s \u012frangos k\u016brimo paslaugos blok\u0173 grandin\u0117s \u012fmonei - The Codest atvejo analiz\u0117\" \/>\n\n\n<h2 class=\"wp-block-heading\">Saugumas ir autenti\u0161kumo nustatymas mobiliosios bankininkyst\u0117s program\u0117l\u0117se<\/h2>\n\n\n\n<p>Saugumas yra svarbiausias r\u016bpestis visiems, kurie savo finansinius duomenis tvarko naudodami mobil\u0173j\u012f \u012frengin\u012f. Pirmaujantys interneto bankai savo program\u0117l\u0117se \u012fdiegia daugiasluoksn\u0119 apsaug\u0105, tod\u0117l neteis\u0117tai pasinaudoti jais yra daug sunkiau nei tradicin\u0117mis sistemomis, kuriose naudojamas tik vartotojo vardas ir slapta\u017eodis.<\/p>\n\n\n\n<p><strong>Biometrinio autenti\u0161kumo nustatymo parinktys:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\"iOS\" \u012frengini\u0173 \"Face ID\" ir \"Touch ID<\/li>\n\n\n\n<li>Pir\u0161t\u0173 atspaud\u0173 ir veido atpa\u017einimas \"Android\" \u012frenginiuose<\/li>\n\n\n\n<li>bankininkyst\u0117 balsu, skirta autentifikavimui laisvomis rankomis (si\u016blo pirmieji, pavyzd\u017eiui, \"Royal Bank of Canada\" ir \"Barclays\").<\/li>\n<\/ul>\n\n\n\n<p>Ne tik biometriniai duomenys, bet ir geros reputacijos <strong>finans\u0173 \u012fstaigos<\/strong> reikia daugiafaktorinio autenti\u0161kumo patvirtinimo (MFA). Tai rei\u0161kia, kad norint prisijungti, reikia tur\u0117ti ka\u017ek\u0105, k\u0105 \u017einote (slapta\u017eod\u012f), ka\u017ek\u0105, k\u0105 turite (savo <strong>mobilusis \u012frenginys<\/strong> arba autentifikavimo program\u0117l\u0117), o da\u017enai ir tai, kas esate (biometrinis autentifikavimas). SMS kodai teb\u0117ra paplit\u0119, ta\u010diau autentifikavimo program\u0117l\u0117s ir stumdomi patvirtinimai u\u017etikrina stipresn\u0119 apsaug\u0105.<\/p>\n\n\n\n<p><strong>U\u017ekulisiuose veikian\u010dios technin\u0117s apsaugos priemon\u0117s:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>TLS 1.2+ vis\u0173 perduodam\u0173 duomen\u0173 \u0161ifravimas<\/li>\n\n\n\n<li>Grie\u017etas banko serveriuose saugom\u0173 duomen\u0173 \u0161ifravimas<\/li>\n\n\n\n<li>\u012erenginio susiejimas, atpa\u017e\u012fstantis telefon\u0105 ir \u017eymintis naujus prisijungimus prie \u012frenginio<\/li>\n\n\n\n<li>Automatinis seanso pabaigos laikas, kad suma\u017eintum\u0117te paskyros per\u0117mimo rizik\u0105<\/li>\n<\/ul>\n\n\n\n<p>Dabar daugelis bank\u0173 savo program\u0117l\u0117je turi special\u0173 saugumo centr\u0105, kuriame \u0161ias apsaugos priemones galite valdyti patys. Pavyzd\u017eiui, \"Ally Bank\" ir \"Chime\" leid\u017eia perjungti nustatymus, kad u\u017erakintum\u0117te arba atrakintum\u0117te savo debeto kortel\u0119, i\u0161jungtum\u0117te tarptautines operacijas, nustatytum\u0117te i\u0161laid\u0173 limitus kiekvienai operacijai ir per\u017ei\u016br\u0117tum\u0117te, kurie \u012frenginiai turi prieig\u0105 prie j\u016bs\u0173 s\u0105skaitos. \u0160ias kontrol\u0117s priemones, kurioms anks\u010diau reik\u0117jo skambinti telefonu, dabar pakoreguosite per kelias sekundes.<\/p>\n\n\n<a href=\"https:\/\/thecodest.co\/en\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n<img decoding=\"async\" src=\"https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Banner.png\" alt=\"Susisiekite su The Codest - susisiekite\" \/>\n<\/a>\n\n\n<h3 class=\"wp-block-heading\">Suk\u010diavimo steb\u0117jimas ir \u012fsp\u0117jimai<\/h3>\n\n\n\n<p>Be prisijungimo saugumo, proaktyvus suk\u010diavimo aptikimas nuolat veikia fone. <strong>modernios mobiliosios bankininkyst\u0117s program\u0117l\u0117s<\/strong>.<\/p>\n\n\n\n<p>Dirbtinio intelekto valdomos ir taisykl\u0117mis pagr\u012fstos steb\u0117senos sistemos stebi ne\u012fprastus i\u0161laid\u0173 modelius, nauj\u0173 \u012frengini\u0173 prisijungimus ir operacijas rizikinguose prekybininkuose. Kai kas nors atrodo \u012ftartina, realiuoju laiku gaunate <strong>stumti prane\u0161imai<\/strong> pra\u0161oma patvirtinti arba paneigti veikl\u0105.<\/p>\n\n\n\n<p><strong>Tipiniai \u012fsp\u0117jimai apie suk\u010diavim\u0105, kuriuos galite gauti:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Operacijos be korteli\u0173 nepa\u017e\u012fstamose internetin\u0117se parduotuv\u0117se<\/li>\n\n\n\n<li>Dideli pinig\u0173 i\u0161\u0117mimai i\u0161 bankomat\u0173 ne pagal \u012fprast\u0105 tvark\u0105<\/li>\n\n\n\n<li>Tarptautin\u0117s kortel\u0117s naudojimas, kai nenustat\u0117te prane\u0161imo apie kelion\u0119<\/li>\n\n\n\n<li>Keli greiti pirkimai, kurie gali reik\u0161ti pavogt\u0105 kortel\u0117s numer\u012f.<\/li>\n<\/ul>\n\n\n\n<p>Geriausios program\u0117l\u0117s leid\u017eia \u012f \u0161iuos \u012fsp\u0117jimus reaguoti vienu bakstel\u0117jimu patvirtinant teis\u0117t\u0105 pirkin\u012f arba \u012f\u0161aldant kortel\u0119, jei tai i\u0161 tikr\u0173j\u0173 suk\u010diavimas. Kartu su nulin\u0117s atsakomyb\u0117s taisykl\u0117mis (standartas daugumoje FDIC apdraust\u0173 \u012fstaig\u0173) ir vis\u0105 par\u0105 veikian\u010dia pagalba suk\u010diavimo atveju per mobil\u0173j\u012f pokalb\u012f \u0161ios saugumo funkcijos labai suma\u017eina tapatyb\u0117s vagyst\u0117s ir finansini\u0173 nuostoli\u0173 rizik\u0105.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Skaitmenin\u0117s pinigin\u0117s ir mok\u0117jim\u0173 integracijos<\/h2>\n\n\n\n<p>Iki 2026 m. daugiau nei trys ketvirtadaliai amerikie\u010di\u0173 reguliariai naudosis skaitmenin\u0117mis pinigin\u0117mis, tokiomis kaip \"Apple Pay\", \"Google Pay\", \"PayPal\" ir \"Cash App\". Stiprus <strong>mobiliosios bankininkyst\u0117s program\u0117l\u0117<\/strong> skland\u017eiai integruojasi su \u0161iomis paslaugomis ir leid\u017eia prid\u0117ti savo debeto kortel\u0119 prie pageidaujamos pinigin\u0117s tiesiai i\u0161 program\u0117l\u0117s.<\/p>\n\n\n\n<p><strong>Paprastas pinigin\u0117s apr\u016bpinimas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keliais bakstel\u0117jimais prid\u0117kite korteles prie \"Apple Pay\", \"Google Pay\" arba \"Samsung\" pinigin\u0117s<\/li>\n\n\n\n<li>Gaukite momentinius korteli\u0173 numerius, kad gal\u0117tum\u0117te i\u0161 karto naudoti pinigin\u0117je, dar prie\u0161 gaudami fizin\u0119 kortel\u0119.<\/li>\n\n\n\n<li>Sinchronizacija su d\u0117vimaisiais \u012frenginiais, tokiais kaip \"Apple Watch\" ar \"Fitbit\", kad gal\u0117tum\u0117te atlikti bekontak\u010dius mok\u0117jimus<\/li>\n<\/ul>\n\n\n\n<p><strong>S\u0105skait\u0173 apmok\u0117jimas ir pasikartojantys mok\u0117jimai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Planuokite vienkartinius arba periodinius mok\u0117jimus u\u017e komunalines paslaugas, prenumeratas, nuom\u0105 ir kredito korteles.<\/li>\n\n\n\n<li>Nustatykite mok\u0117jimo termino priminimus, kad niekada nepraleistum\u0117te mok\u0117jimo<\/li>\n\n\n\n<li>\u012egalinkite automatinius mok\u0117jimus, kurie atliekami i\u0161 j\u016bs\u0173 s\u0105skaitos pagal nustatyt\u0105 grafik\u0105.<\/li>\n\n\n\n<li>Per\u017ei\u016br\u0117kite ataskaitas internetu ir steb\u0117kite mok\u0117jim\u0173 istorij\u0105<\/li>\n<\/ul>\n\n\n\n<p><strong>Asmens perdavimas asmeniui:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si\u0173skite pinigus akimirksniu per \"Zelle\" (veikia \"Early Warning Services\", tinklas, kuris visi\u0161kai priklauso didiesiems bankams).<\/li>\n\n\n\n<li>Gauti pinig\u0173 i\u0161 draug\u0173, \u0161eimos nari\u0173 ar klient\u0173 nesidalijant banko s\u0105skaitos duomenimis<\/li>\n\n\n\n<li>Perdavimo greitis skiriasi: \"Zelle\" perveda pinigus per kelias minutes, o ACH pervedimai \u012f i\u0161orines s\u0105skaitas paprastai trunka 1-3 darbo dienas.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Svarbu: Si\u0173skite pinigus tik tiems, kuriuos pa\u017e\u012fstate ir kuriais pasitikite. P2P mok\u0117jimai skirti vakarienei pasidalyti arba nuomai sumok\u0117ti kambario draugui, o ne sandoriams su nepa\u017e\u012fstamais \u017emon\u0117mis.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Skaitmenin\u0117s pinigin\u0117s naudojimas ir atlygis<\/h3>\n\n\n\n<p>Kai kurie internetiniai bankai neapsiriboja vien tik pagrindiniu pinigin\u0117s apr\u016bpinimu, bet integruoja mok\u0117jimus su atlygiais ir \u012f\u017evalgomis apie i\u0161laidas.<\/p>\n\n\n\n<p>Kai mokate \"Apple Pay\" arba \"Google Pay\", naudodami banko debeto kortel\u0119, operacija rodoma program\u0117l\u0117je su ai\u0161kiu naudojamo mok\u0117jimo b\u016bdo indikatoriumi. Tai padeda steb\u0117ti, kurie pirkiniai buvo bekontak\u010diai, o kurie - su lustu ar internetu.<\/p>\n\n\n\n<p>Pasi\u016blymai su nuorodomis \u012f korteles yra dar svarbesni. Dalyvaujantys prekybininkai si\u016blo gr\u0105\u017einti pinigus arba ta\u0161kus, kai atsiskaitote skaitmenine pinigine j\u0173 parduotuv\u0117se. Pavyzd\u017eiui, atsiskaitydami \"Apple Pay\" su tam tikro interneto banko debetine kortele maisto preki\u0173 parduotuv\u0117se galite gauti 3% gryn\u0173j\u0173 pinig\u0173 atgal - nereikia nukirpti kupon\u0173, tiesiog \u012f j\u016bs\u0173 s\u0105skait\u0105 automati\u0161kai pervedamas atlygis.<\/p>\n\n\n\n<p>\u0160ios integracijos paver\u010dia j\u016bs\u0173 <strong>mobiliosios bankininkyst\u0117s program\u0117l\u0117<\/strong> \u012f apdovanojim\u0173 prietais\u0173 skydel\u012f, kuriame galite:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nar\u0161ykite turimus pasi\u016blymus pagal kategorij\u0105 arba vietov\u0119<\/li>\n\n\n\n<li>Prie\u0161 apsipirkdami suaktyvinkite pasi\u016blymus<\/li>\n\n\n\n<li>Matykite vis\u0105 u\u017edirbt\u0105 atlyg\u012f realiuoju laiku<\/li>\n\n\n\n<li>Sekite, kurie pasi\u016blymai netrukus baigs galioti<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Automatinis taupymas ir i\u0161manieji tikslai<\/h2>\n\n\n\n<p>Internetiniai bankai da\u017enai pirmauja automatizavimo srityje, nes padeda vartotojams kaupti santaupas be nuolatini\u0173 rankini\u0173 pastang\u0173. Jei jums sunkiai sekasi nuolat taupyti, \u0161ios priemon\u0117s gali padaryti ap\u010diuopiam\u0105 pokyt\u012f.<\/p>\n\n\n\n<p><strong>Bendros automatin\u0117s taupymo priemon\u0117s:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th>Funkcija<\/th><th>Kaip tai veikia<\/th><th>Pavyzdys<\/th><\/tr><tr><td>Suplanuoti pervedimai<\/td><td>Po kiekvieno tiesioginio ind\u0117lio perveskite nustatyt\u0105 sum\u0105 i\u0161 atsiskaitymo \u012f santaupas.<\/td><td>$100 automati\u0161kai i\u0161saugoma kiekvien\u0105 i\u0161mok\u0117jimo dien\u0105<\/td><\/tr><tr><td>Apvalymai<\/td><td>Suapvalinkite pirkinius iki artimiausio dolerio, o skirtum\u0105 perkelkite \u012f santaupas.<\/td><td>$4,50 kava tampa $5,00, sutaupant $0,50<\/td><\/tr><tr><td>Taisykl\u0117mis pagr\u012fsti paleidikliai<\/td><td>Taupykite pinigus pagal pasirinktines s\u0105lygas<\/td><td>\"I\u0161saugoti $20 kiekvien\u0105 kart\u0105, kai gaunu atlyginim\u0105\"<\/td><\/tr><tr><td>Netik\u0117tos santaupos<\/td><td>dirbtinis intelektas analizuoja i\u0161laidas ir automati\u0161kai perkelia \"saugias\" sumas \u012f santaupas.<\/td><td>\"Ally\" algoritmas randa pinig\u0173, kuri\u0173 nepraleisite<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u0160ias savybes patvirtina ir realaus pasaulio rezultatai. Prane\u0161ama, kad \"Chime\" automatinis santaup\u0173 kaupimas padidina naudotoj\u0173 santaup\u0173 normas 10-15%, o \"Ally\" funkcija \"Surprise Savings\" naudoja algoritmus, kad nustatyt\u0173 laisvus pinigus j\u016bs\u0173 atsiskaitomojoje s\u0105skaitoje ir tyliai pervest\u0173 juos \u012f j\u016bs\u0173 s\u0105skait\u0105. <strong>taupomoji s\u0105skaita<\/strong>.<\/p>\n\n\n\n<p><strong>Taupymas pagal tikslus:<\/strong><\/p>\n\n\n\n<p>U\u017euot investav\u0119 pinigus \u012f bendr\u0105 <strong>taupomoji s\u0105skaita<\/strong>, tikslais grind\u017eiamos priemon\u0117s leid\u017eia sukurti pavadintus taupymo krep\u0161elius:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\"Neatid\u0117liotin\u0173 priemoni\u0173 fondas 2026\", kurio tikslin\u0117 vert\u0117 - $10 000<\/li>\n\n\n\n<li>\"Vasaros kelion\u0117 \u012f Europ\u0105\", kuriai reikia $3 500 iki bir\u017eelio m\u0117n.<\/li>\n\n\n\n<li>\"Naujas ne\u0161iojamasis kompiuteris\", kurio tikslas - $1 200<\/li>\n<\/ul>\n\n\n\n<p>Pa\u017eangos juostose rodoma, kaip arti esate prie kiekvieno tikslo, o program\u0117l\u0117 gali automati\u0161kai paskirstyti gautas \u012fmokas keliems tikslams pagal j\u016bs\u0173 prioritetus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u017daidybinimas ir elgesio skatinimas<\/h3>\n\n\n\n<p>Kai kurie <strong>mobiliosios bankininkyst\u0117s program\u0117l\u0117s<\/strong> \u012ftraukti \u017eaidimo element\u0173, kad taupymas atrodyt\u0173 ne kaip prievol\u0117, o labiau kaip pa\u017eanga \u012fgyvendinant gyvenimo plan\u0105.<\/p>\n\n\n\n<p><strong>\u017daidim\u0173 formavimo bank\u0173 program\u0117l\u0117se pavyzd\u017eiai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u017denkliukai u\u017e taupym\u0105 tris m\u0117nesius i\u0161 eil\u0117s<\/li>\n\n\n\n<li>Konfeti animacijos, kai pasiekiamas taupymo etapas<\/li>\n\n\n\n<li>Sutaupymo tiksl\u0173 pasiekimo savait\u0117s i\u0161 eil\u0117s<\/li>\n\n\n\n<li>Auk\u0161tesn\u0117s APY pakopos atrakintos po nuoseklios ind\u0117li\u0173 veiklos<\/li>\n<\/ul>\n\n\n\n<p>Psichologija paprasta: ma\u017eos pergal\u0117s suteikia teigiam\u0105 pastiprinim\u0105. Kai program\u0117l\u0117je pa\u017eymima j\u016bs\u0173 pa\u017eanga, net ir tokiu nereik\u0161mingu dalyku kaip varnel\u0117 ar sveikinimo \u017einut\u0117, labiau tik\u0117tina, kad ir toliau elgsit\u0117s taip pat.<\/p>\n\n\n\n<p>\u0160ias funkcijas papildo prane\u0161imai. Galite gauti tok\u012f prane\u0161im\u0105: \"Iki \u0161io m\u0117nesio santaup\u0173 tikslo liko $50, norite pervesti dabar?\", o veiksm\u0105 u\u017ebaigti galima vienu bakstel\u0117jimu. \u0160ie \u0161veln\u016bs raginimai ateina strategi\u0161kai svarbiais momentais, suteikdami naudotojams galimyb\u0119 rinktis, bet neb\u016bdami \u012fkyr\u016bs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Finans\u0173 valdymo \u012frankiai, paremti dirbtiniu intelektu<\/h2>\n\n\n\n<p>Daugelis interneto bank\u0173 dabar naudoja dirbtin\u012f intelekt\u0105 ir <a href=\"https:\/\/thecodest.co\/lt\/blog\/banks-go-high-tech-unravel-fraud-with-machine-learning\/\">ma\u0161ininis mokymasis<\/a> tiesiogiai \u012f biud\u017eeto sudarymo, prognozavimo ir paramos funkcijas. Tai ne triukai, o praktiniai \u012frankiai, padedantys suprasti, kur keliauja j\u016bs\u0173 pinigai.<\/p>\n\n\n\n<p><strong>dirbtiniu intelektu pagr\u012fsta i\u0161laid\u0173 analiz\u0117:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automatinis operacij\u0173 skirstymas \u012f kategorijas (maisto produktai, transportas, prenumerata, valgymas)<\/li>\n\n\n\n<li>M\u0117nesin\u0117s ataskaitos, kuriose nurodomos i\u0161laidos pagal kategorijas ir lyginamos tendencijos.<\/li>\n\n\n\n<li>Vizualizacijos, rodan\u010dios, kaip \u0161is m\u0117nuo lyginamas su trimis pastaraisiais.<\/li>\n<\/ul>\n\n\n\n<p>\"Bank of America\" \"Erica\" ir pana\u0161\u016bs virtual\u016bs asistentai analizuoja j\u016bs\u0173 i\u0161laid\u0173 modelius ir pateikia asmenines \u012f\u017evalgas. Jie gali jus \u012fsp\u0117ti, kai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Netik\u0117tai padid\u0117jusi prenumeratos kaina<\/li>\n\n\n\n<li>Nemokama bandomoji versija bus pakeista \u012f mokam\u0105 plan\u0105<\/li>\n\n\n\n<li>J\u016bs\u0173 <strong>s\u0105skaitos likutis<\/strong> gali nepadengti b\u016bsim\u0173 planuojam\u0173 s\u0105skait\u0173.<\/li>\n\n\n\n<li>\u0160\u012f m\u0117nes\u012f valgymui i\u0161leid\u017eiate daugiau nei vidutini\u0161kai<\/li>\n<\/ul>\n\n\n\n<p><strong>Saugi\u0173 i\u0161laid\u0173 skai\u010diavimai:<\/strong><\/p>\n\n\n\n<p>I\u0161pl\u0117stin\u0117s programos <a href=\"https:\/\/thecodest.co\/lt\/dictionary\/why-do-projects-fail\/\">projektas<\/a> kiek galite saugiai i\u0161leisti, atsi\u017evelgdami \u012f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Artimiausi planuojami s\u0105skait\u0173 fakt\u016br\u0173 projektai<\/li>\n\n\n\n<li>Ne\u012fvykdyti sandoriai<\/li>\n\n\n\n<li>Automatin\u0117s taupymo taisykl\u0117s<\/li>\n\n\n\n<li>Tik\u0117tinos pajamos i\u0161 tiesioginio ind\u0117lio<\/li>\n<\/ul>\n\n\n\n<p>S\u0105saja paprastai rodo paprastas diagramas, kuriose \u017ealia spalva \u017eymi patogi\u0105, geltona - atsargi\u0105, raudona - galim\u0105 pervir\u0161io teritorij\u0105. Pokalbi\u0173 s\u0105sajos leid\u017eia u\u017eduoti klausimus paprasta angl\u0173 kalba: \"Kiek pra\u0117jus\u012f m\u0117nes\u012f i\u0161leidau \"Uber\"?\" arba \"Ar dabar galiu sau leisti $200 pirkin\u012f?\".<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Virtual\u016bs asistentai ir palaikymas program\u0117l\u0117je<\/h3>\n\n\n\n<p>Pokalbiais pagr\u012fsti asistentai, \u012fterpti \u012f <strong>mobiliosios bankininkyst\u0117s program\u0117l\u0117s<\/strong> tvarkyti klausimus ir veiksmus nei\u0161einant i\u0161 program\u0117l\u0117s.<\/p>\n\n\n\n<p><strong>K\u0105 gali virtual\u016bs asistentai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Atsakykite \u012f paprastas u\u017eklausas: \"Koks yra dabartinis mano s\u0105skaitos likutis?\" arba \"Kada turiu gr\u0105\u017einti kreditin\u0119 kortel\u0119?\"<\/li>\n\n\n\n<li>Vykdyti sandorius: \"Si\u0173sti $100 Markui\" arba \"Pervesti $500 \u012f santaupas\".<\/li>\n\n\n\n<li>\u017eingsnis po \u017eingsnio vadovaukite sud\u0117tingoms u\u017eduotims: gin\u010dijant operacij\u0105, nustatant pasikartojan\u010dius mok\u0117jimus arba prane\u0161ant apie pamest\u0105 kortel\u0119.<\/li>\n\n\n\n<li>Teikite mokom\u0105j\u012f turin\u012f tokiomis temomis, kaip kredito balai ar skubios pagalbos fondo k\u016brimas.<\/li>\n<\/ul>\n\n\n\n<p>Kai asistentas negali i\u0161spr\u0119sti problemos, jis kreipiasi \u012f \u017emogi\u0161k\u0105j\u012f palaikym\u0105, o pokalbis vyksta program\u0117l\u0117je. Per kelias minutes galite sulaukti atgalinio skambu\u010dio arba t\u0119sti pokalb\u012f per saug\u0173 pokalb\u012f, nereikia kartoti savo paskyros informacijos ar i\u0161 naujo ai\u0161kinti problemos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Apdovanojimai, lojalumas ir kasdienis pinig\u0173 valdymas<\/h2>\n\n\n\n<p>Internetiniai bankai vis da\u017eniau \u012ftraukia atlygio, biud\u017eeto sudarymo ir kredito \u012frankius tiesiai \u012f savo mobili\u0105sias program\u0117les, kad naudotojai gal\u0117t\u0173 atlikti ne tik pagrindines operacijas.<\/p>\n\n\n\n<p><strong>Pinig\u0173 gr\u0105\u017einimo ir ta\u0161k\u0173 steb\u0117jimas:<\/strong><\/p>\n\n\n\n<p>Pana\u0161iai kaip ir \"BankAmeriDeals\", daugelis interneto bank\u0173 program\u0117li\u0173 leid\u017eia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nar\u0161ykite partneri\u0173 pasi\u016blymus, suskirstytus pagal kategorijas (maitinimas, apsipirkimas, kelion\u0117s)<\/li>\n\n\n\n<li>Prie\u0161 pirkdami aktyvuokite pasi\u016blymus<\/li>\n\n\n\n<li>Realiuoju laiku matykite visus u\u017edirbtus ir laukian\u010dius apdovanojimus<\/li>\n\n\n\n<li>I\u0161naudokite apdovanojimus kaip s\u0105skait\u0173 kreditus, ind\u0117lius arba dovan\u0173 korteles<\/li>\n<\/ul>\n\n\n\n<p><strong>Integruotos biud\u017eeto sudarymo priemon\u0117s:<\/strong><\/p>\n\n\n\n<p>\u0160iuolaikin\u0117 program\u0117l\u0117 nereikalauja atskiros program\u0117l\u0117s, pvz., \"Mint\" ar YNAB. <strong>bankininkyst\u0117s program\u0117l\u0117s<\/strong> \u012ftraukti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u0117nesio i\u0161laid\u0173 ribos pagal j\u016bs\u0173 apibr\u0117\u017et\u0105 kategorij\u0105<\/li>\n\n\n\n<li>\u012esp\u0117jimai, kai art\u0117jate prie biud\u017eeto arba j\u012f vir\u0161ijate.<\/li>\n\n\n\n<li>Si\u016blymai suma\u017einti i\u0161laidas (pvz., \"Turite 3 transliacij\u0173 prenumeratas, ar nor\u0117jote jas visas i\u0161laikyti?\")<\/li>\n\n\n\n<li>Istoriniai palyginimai, rodantys, ar kas m\u0117nes\u012f ger\u0117jate.<\/li>\n<\/ul>\n\n\n\n<p><strong>Nemokama kredito rezultat\u0173 steb\u0117sena:<\/strong><\/p>\n\n\n\n<p>Dauguma interneto bank\u0173 dabar si\u016blo nemokamus \"TransUnion\" arba \"Experian\" kredito balus. Prietais\u0173 skydelis rodo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>J\u016bs\u0173 dabartinis rezultatas ir jo poky\u010diai<\/li>\n\n\n\n<li>Pagrindiniai veiksniai, darantys \u012ftak\u0105 j\u016bs\u0173 balui (kredito panaudojimas, mok\u0117jim\u0173 istorija, s\u0105skaitos am\u017eius)<\/li>\n\n\n\n<li>Pagrindiniai tobulinimo patarimai<\/li>\n\n\n\n<li>\u012esp\u0117jimai, kai j\u016bs\u0173 balas smarkiai pasikei\u010dia<\/li>\n<\/ul>\n\n\n\n<p>\u0160is matomumas padeda naudotojams suprasti, kaip j\u0173 finansin\u0117 veikla veikia j\u0173 kreditingum\u0105, nemokant u\u017e atskir\u0105 steb\u0117jimo paslaug\u0105.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Visapusi\u0161kas vis\u0173 institucij\u0173 finansinis vaizdas<\/h3>\n\n\n\n<p>Daugelis interneto bank\u0173 leid\u017eia prijungti i\u0161orines s\u0105skaitas, taupom\u0105sias s\u0105skaitas, kredito korteles, paskolas ir investicines s\u0105skaitas ir vienoje vietoje matyti vis\u0105 savo finansin\u012f vaizd\u0105.<\/p>\n\n\n\n<p><strong>Kaip paskyr\u0173 kaupimas veikia i\u0161 naudotojo perspektyvos:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Program\u0117l\u0117je pasirenkate \"Susieti i\u0161orin\u0119 paskyr\u0105\".<\/li>\n\n\n\n<li>Saugiame sutikimo ekrane rodoma, kuriais duomenimis bus dalijamasi.<\/li>\n\n\n\n<li>Prisijungiate prie i\u0161orinio <strong>finans\u0173 \u012fstaigos mobilioji program\u0117l\u0117<\/strong> arba svetain\u0117je<\/li>\n\n\n\n<li>Ry\u0161ys atnaujinamas automati\u0161kai (paprastai kasdien)<\/li>\n<\/ol>\n\n\n\n<p>Prisijung\u0119 galite per\u017ei\u016br\u0117ti:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Grynosios vert\u0117s lentel\u0117s, kuriose sujungiamas visas turtas ir \u012fsipareigojimai<\/li>\n\n\n\n<li>Skol\u0173 gr\u0105\u017einimo sekimo priemon\u0117s, rodan\u010dios kredito korteli\u0173 ir paskol\u0173 gr\u0105\u017einimo pa\u017eang\u0105<\/li>\n\n\n\n<li>Kombinuotos pinig\u0173 sraut\u0173 ap\u017evalgos, i\u0161ry\u0161kinan\u010dios pajamas ir i\u0161laidas.<\/li>\n\n\n\n<li>\u012esp\u0117jimai, kai bet kurioje prijungtoje paskyroje pasirodo ne\u012fprasta veikla<\/li>\n<\/ul>\n\n\n\n<p>\u0160is agregavimas paver\u010dia j\u016bs\u0173 pagrindin\u012f <strong>bankininkyst\u0117s program\u0117l\u0117<\/strong> \u012f visos j\u016bs\u0173 finansin\u0117s b\u016bkl\u0117s valdymo centr\u0105, kad kasdien nereik\u0117t\u0173 jungtis prie keli\u0173 program\u0117li\u0173.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Korteli\u0173 ir s\u0105skait\u0173 valdymas i\u0161 telefono<\/h2>\n\n\n\n<p>Internetiniai bankai, nor\u0117dami pakeisti tradicin\u012f aptarnavim\u0105 filialuose ir skambu\u010di\u0173 centruose, daugiausia remiasi program\u0117l\u0117je esan\u010diomis valdymo priemon\u0117mis. Veiksmai, kuriuos anks\u010diau reik\u0117davo atlikti laukiant, dabar trunka kelias sekundes.<\/p>\n\n\n\n<p><strong>Korteli\u0173 valdymo funkcijos:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th>Veiksmas<\/th><th>Kaip tai veikia<\/th><\/tr><tr><td>Kortel\u0117s u\u017erakinimas \/ atrakinimas<\/td><td>Jei pamestum\u0117te debeto kortel\u0119, j\u0105 akimirksniu u\u017e\u0161aldykite, o rad\u0119 - at\u0161aldykite<\/td><\/tr><tr><td>Pra\u0161ymas pakeisti<\/td><td>U\u017esisakykite nauj\u0105 kortel\u0119 su atnaujintu dizainu arba po suk\u010diavimo<\/td><\/tr><tr><td>Keisti PIN kod\u0105<\/td><td>Nustatykite nauj\u0105 PIN kod\u0105 tiesiai program\u0117l\u0117je, nereikia bankomato<\/td><\/tr><tr><td>Nustatyti kelion\u0117s prane\u0161imus<\/td><td>Prane\u0161kite bankui apie b\u016bsimas keliones, kad b\u016bt\u0173 i\u0161vengta atmest\u0173 operacij\u0173.<\/td><\/tr><tr><td>Bekontaktis valdymas<\/td><td>\u012ejungti arba i\u0161jungti \"Tap-to-pay\" funkcij\u0105<\/td><\/tr><tr><td>Tarptautinio naudojimo valdymas<\/td><td>Blokuoti arba leisti atlikti operacijas u\u017e savo \u0161alies rib\u0173<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Paskyr\u0173 valdymo \u012frankiai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Redaguokite asmeninius duomenis: atnaujinkite savo adres\u0105, telefono numer\u012f arba el. pa\u0161to adres\u0105<\/li>\n\n\n\n<li>tvarkyti taikom\u0173 s\u0105skait\u0173 naudos gav\u0117jus<\/li>\n\n\n\n<li>Atnaujinti tiesioginio ind\u0117lio mar\u0161ruto informacij\u0105<\/li>\n\n\n\n<li>Atidaryti arba u\u017edaryti subs\u0105skaitas (kartais vadinamas \"erdv\u0117mis\" arba \"kibirais\").<\/li>\n\n\n\n<li>Atsisi\u0173skite ataskaitas arba atsisakykite gauti popierines ataskaitas<\/li>\n<\/ul>\n\n\n\n<p><strong>Atnaujinimai realiuoju laiku:<\/strong><\/p>\n\n\n\n<p>Kai papra\u0161ote pakeisti kortel\u0119, program\u0117l\u0117je i\u0161kart parodomas patvirtinimas, pateikiama siuntos sekimo nuoroda ir rodomas b\u016bsenos indikatorius, kol kortel\u0117 bus pristatyta. Kiekviename etape gaunate tekstinius prane\u0161imus: kortel\u0117 i\u0161si\u0173sta, kortel\u0117 i\u0161si\u0173sta pristatymui, kortel\u0117 pristatyta, nereikia skambinti ir tikrinti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prane\u0161im\u0173 ir persp\u0117jim\u0173 konfig\u016bracija<\/h3>\n\n\n\n<p>Pritaikydami stumiamuosius prane\u0161imus, SMS bankinius \u012fsp\u0117jimus ir el. pa\u0161to prane\u0161imus, gal\u0117site b\u016bti informuoti, bet neb\u016bsite perkrauti.<\/p>\n\n\n\n<p><strong>Tipiniai \u012fsp\u0117jim\u0173 tipai, kuriuos galite konfig\u016bruoti:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u012fsp\u0117jimai apie ma\u017e\u0105 likut\u012f (pvz., \"\u012esp\u0117kite mane, kai patikrinimas nukris \u017eemiau $200\").<\/li>\n\n\n\n<li>Prane\u0161imai apie didelius sandorius (pirkimai, vir\u0161ijantys j\u016bs\u0173 nustatyt\u0105 rib\u0105).<\/li>\n\n\n\n<li>Tarptautini\u0173 pirkim\u0173 \u012fsp\u0117jimai<\/li>\n\n\n\n<li>Atlyginim\u0173 pervedimo patvirtinimai<\/li>\n\n\n\n<li>Pasiekti taupymo tiksl\u0173 etapai<\/li>\n\n\n\n<li>Priminimai apie mok\u0117tinus mok\u0117jimus<\/li>\n\n\n\n<li>Prane\u0161imai apie s\u0117kming\u0105 arba nes\u0117kming\u0105 mok\u0117jim\u0105<\/li>\n<\/ul>\n\n\n\n<p>Kiekvienam \u012fsp\u0117jimo tipui galite pasirinkti kanal\u0105: tik stumti, SMS ir el. pa\u0161tu arba visus tris. Daugelyje program\u0117li\u0173 taip pat si\u016blomos ramios valandos arba \"netrukdyti\" tvarkara\u0161\u010diai, kad negautum\u0117te prane\u0161im\u0173 2 val. nakties, nebent tai b\u016bt\u0173 tikrai skubus reikalas (pvz., galimas suk\u010diavimas).<\/p>\n\n\n\n<p>\u0160i granuliuota \u012fsp\u0117jim\u0173 apie paskyros veikl\u0105 kontrol\u0117 u\u017etikrina j\u016bs\u0173 apsaug\u0105 ir kartu nepa\u017eeid\u017eia j\u016bs\u0173 d\u0117mesio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kaip pasirinkti geriausi\u0105 interneto bank\u0173 mobiliosios bankininkyst\u0117s program\u0117l\u0119<\/h2>\n\n\n\n<p>\u012evairi\u0173 interneto bank\u0173 funkcijos labai skiriasi, tod\u0117l prie\u0161 perkeldami savo pagrindinius bankinius santykius labai svarbu palyginti program\u0117les. Pateikiame praktin\u0119 vertinimo sistem\u0105.<\/p>\n\n\n\n<p><strong>Saugumo kontrolinis s\u0105ra\u0161as:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ar program\u0117l\u0117 palaiko biometrin\u012f prisijungim\u0105 (veido ID, pir\u0161to atspaud\u0105)?<\/li>\n\n\n\n<li>Ar keli\u0173 veiksni\u0173 autentifikavimas yra privalomas, ar neprivalomas?<\/li>\n\n\n\n<li>Ar galite u\u017erakinti kortel\u0119 ir tvarkyti saugumo nustatymus program\u0117l\u0117je?<\/li>\n\n\n\n<li>Ar bankas si\u016blo apsaug\u0105 nuo suk\u010diavimo be atsakomyb\u0117s?<\/li>\n<\/ul>\n\n\n\n<p><strong>Pagrindini\u0173 funkcij\u0173 kontrolinis s\u0105ra\u0161as:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mobilusis \u010deki\u0173 \u012fne\u0161imas<\/strong> su pagr\u012fstomis ribomis<\/li>\n\n\n\n<li>Momentiniai pervedimai tarp vidini\u0173 s\u0105skait\u0173<\/li>\n\n\n\n<li>I\u0161orin\u0117s s\u0105skaitos susiejimas, kad gal\u0117tum\u0117te si\u0173sti pinigus \u012f kitus bankus<\/li>\n\n\n\n<li>S\u0105skait\u0173 apmok\u0117jimas su termino priminimais ir pasikartojan\u010diais mok\u0117jimais<\/li>\n\n\n\n<li>P2P mok\u0117jimai (\"Zelle\" ar pan.)<\/li>\n<\/ul>\n\n\n\n<p><strong>Taupymo ir biud\u017eeto sudarymo kontrolinis s\u0105ra\u0161as:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automatin\u0117s taupymo priemon\u0117s (apvalinimai, suplanuoti pervedimai)<\/li>\n\n\n\n<li>Tikslais pagr\u012fstas taupymas ir pa\u017eangos steb\u0117jimas<\/li>\n\n\n\n<li>I\u0161laid\u0173 skirstymo \u012f kategorijas ir biud\u017eeto sudarymo funkcijos<\/li>\n\n\n\n<li>Nemokama kredito rezultat\u0173 steb\u0117sena<\/li>\n<\/ul>\n\n\n\n<p><strong>Ekosistema ir suderinamumas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\"Apple Pay\" ir \"Google Pay\" palaikymas<\/li>\n\n\n\n<li>Ai\u0161kus mokes\u010di\u0173 grafikas (bankomat\u0173 mokes\u010diai, pervedim\u0173 mokes\u010diai, u\u017esienio valiutos keitimo kursai)<\/li>\n\n\n\n<li>FDIC arba NCUA <a href=\"https:\/\/thecodest.co\/lt\/blog\/which-companies-lead-germanys-insurance-market-discover-the-top-10\/\">draudimas<\/a> ind\u0117liams (ie\u0161kokite nuorodos \"FDIC narys\").<\/li>\n\n\n\n<li>Galimyb\u0117 naudotis bendromis s\u0105skaitomis arba verslo s\u0105skaitomis, jei reikia.<\/li>\n<\/ul>\n\n\n\n<p><strong>Scenarijaus pavyzdys:<\/strong>&nbsp;Netaisyklingus mok\u0117jimus gaunan\u010diam darbuotojui gali b\u016bti svarbiausia, kad ind\u0117liai b\u016bt\u0173 prieinami i\u0161 karto, balansas b\u016bt\u0173 atnaujinamas realiuoju laiku, o norint gauti pinigus i\u0161 klient\u0173, b\u016bt\u0173 \u012fdiegta stipri P2P integracija. \u0160eima, siekianti ilgalaiki\u0173 tiksl\u0173, gali vertinti tikslais grind\u017eiam\u0105 taupym\u0105, paaugli\u0173 s\u0105skait\u0173 t\u0117v\u0173 kontrol\u0119 ir holistin\u012f finansin\u012f vaizd\u0105 visose institucijose.<\/p>\n\n\n\n<p>Tinkama program\u0117l\u0117 priklauso nuo konkre\u010di\u0173 j\u016bs\u0173 poreiki\u0173, naudokite \u0161\u012f kontrolin\u012f s\u0105ra\u0161\u0105, kad gal\u0117tum\u0117te \u012fvertinti, o ne vadovautis bendromis rekomendacijomis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kas toliau laukia interneto bank\u0173 mobiliosios bankininkyst\u0117s funkcij\u0173?<\/h2>\n\n\n\n<p>\u017dvelgiant \u012f ateit\u012f iki 2026 m. ir v\u0117liau, mobilioji bankininkyst\u0117 ir toliau taps patogia priemone ir visapusi\u0161ka finansine platforma.<\/p>\n\n\n\n<p><strong>Numatomi patobulinimai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>gilesnis dirbtinio intelekto personalizavimas:<\/strong>&nbsp;Program\u0117l\u0117s i\u0161moks j\u016bs\u0173 \u012fpro\u010dius ir aktyviai si\u016blys veiksmus, pvz., \"Atsi\u017evelgdami \u012f savo i\u0161laidas, \u0161\u012f m\u0117nes\u012f gal\u0117tum\u0117te sutaupyti papildom\u0105 $150 sum\u0105, jei ma\u017eiau vakarieniautum\u0117te\".<\/li>\n\n\n\n<li><strong>I\u0161manesnis prenumeratos valdymas:<\/strong>&nbsp;Automatinis vis\u0173 pasikartojan\u010di\u0173 mokes\u010di\u0173 nustatymas, at\u0161aukimas vienu bakstel\u0117jimu ir kain\u0173 palyginimas<\/li>\n\n\n\n<li><strong>I\u0161pl\u0117sti mok\u0117jimai realiuoju laiku:<\/strong>&nbsp;Platesnis momentini\u0173 mok\u0117jim\u0173 diegimas <a href=\"https:\/\/thecodest.co\/lt\/blog\/ways-to-increase-your-rails-performance\/\">b\u0117giai<\/a> JAV, tod\u0117l iki 2026-2027 m. 1-3 dien\u0173 ACH pervedimai taps nebeaktual\u016bs.<\/li>\n\n\n\n<li><strong>\u012eterptieji produktai:<\/strong>\u00a0Draudimo, investavimo ir skolinimo produktai skland\u017eiai si\u016blomi j\u016bs\u0173 banko program\u0117l\u0117je, pana\u0161iai kaip tokios superprogram\u0117l\u0117s kaip \"Revolut\" ir \"Alipay\", kurios kartu su pagrindine bankininkyste jau si\u016blo kelioni\u0173 u\u017esakymus, prekyb\u0105 kriptovaliutomis ir draudim\u0105.<\/li>\n<\/ul>\n\n\n\n<p><strong>Tebesit\u0119siantys i\u0161\u0161\u016bkiai:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prieinamumo skirtumai:<\/strong>&nbsp;Ma\u017edaug 15-20% kaimo naudotoj\u0173 d\u0117l ry\u0161io apribojim\u0173 vis dar n\u0117ra aptarnaujami mobiliosios bankininkyst\u0117s paslaugomis.<\/li>\n\n\n\n<li><strong>Prieinamumas:<\/strong>&nbsp;Program\u0117l\u0117ms reikia geresn\u0117s pagalbos naudotojams, turintiems regos, jud\u0117jimo ar pa\u017einimo sutrikim\u0173.<\/li>\n\n\n\n<li><strong>Reguliavimo raida:<\/strong>&nbsp;Grie\u017etesni duomen\u0173 privatumo reikalavimai ir dirbtinio intelekto skaidrumo taisykl\u0117s lems, kaip bankai naudos asmenines \u012f\u017evalgas<\/li>\n<\/ul>\n\n\n\n<p>Poky\u010diai akivaizd\u016bs: mobilioji bankininkyst\u0117 i\u0161 paprastos priemon\u0117s, skirtos \u010dekiams \u012fne\u0161ti ir patikrinti <strong>s\u0105skait\u0173 liku\u010diai<\/strong> \u012f i\u0161sami\u0105 finansin\u0117s sveikatos platform\u0105. Bankai, kurie pirmauja mobiliuoju ry\u0161iu, suteikdami naudotojams visi\u0161k\u0105 kontrol\u0119, automatizavim\u0105 ir intelekt\u0105 j\u0173 ki\u0161en\u0117se, nulems ateinant\u012f asmeninio gyvenimo de\u0161imtmet\u012f. <a href=\"https:\/\/thecodest.co\/lt\/blog\/fintech-the-future-of-finance\/\">finansai<\/a>.<\/p>\n\n\n\n<p>Geriausias laikas \u012fvertinti, ar j\u016bs\u0173 dabartin\u0117 program\u0117l\u0117 atitinka \u0161iuos standartus, yra dabar, kol jums dar nereikia funkcijos, kurios neturite.<\/p>\n\n\n<a href=\"https:\/\/calendar.google.com\/calendar\/u\/0\/appointments\/schedules\/AcZssZ1yVHCQbP3sxc8iCBXZMC_rbd8Tay51Xd85LAM_UK16mhr0HaFeNSaS8Y20gac636RetGdQW-8A\">\n<img decoding=\"async\" src=\"https:\/\/thecodest.co\/app\/uploads\/2026\/02\/Edyta.contact-1.png\" alt=\"U\u017esisakykite susitikim\u0105 su The Codest\" \/>\n<\/a>","protected":false},"excerpt":{"rendered":"<p>Susipa\u017einkite su svarbiausiomis internetini\u0173 bank\u0173 mobiliosios bankininkyst\u0117s funkcijomis 2026 m. - nuo dirbtinio intelekto \u012f\u017evalg\u0173 ir automatizuoto taupymo iki skaitmenini\u0173 pinigini\u0173, saugumo priemoni\u0173 ir i\u0161maniojo biud\u017eeto sudarymo.<\/p>","protected":false},"author":2,"featured_media":10885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[15],"tags":[32],"class_list":["post-10882","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech","tag-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mobile Banking Features of Online Banks - The Codest<\/title>\n<meta name=\"description\" content=\"Explore the top mobile banking features of online banks in 2026, from AI insights and automated savings to digital wallets, security tools.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thecodest.co\/lt\/tinklarastis\/internetiniu-banku-mobiliosios-bankininkystes-funkcijos\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mobile Banking Features of Online Banks\" \/>\n<meta property=\"og:description\" content=\"Explore the top mobile banking features of online banks in 2026, from AI insights and automated savings to digital wallets, security tools.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thecodest.co\/lt\/tinklarastis\/internetiniu-banku-mobiliosios-bankininkystes-funkcijos\/\" \/>\n<meta property=\"og:site_name\" content=\"The Codest\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-20T11:18:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-05T11:21:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thecodest.co\/app\/uploads\/2026\/03\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"540\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"thecodest\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"thecodest\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/\"},\"author\":{\"name\":\"thecodest\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/#\\\/schema\\\/person\\\/7e3fe41dfa4f4e41a7baad4c6e0d4f76\"},\"headline\":\"Mobile Banking Features of Online Banks\",\"datePublished\":\"2026-01-20T11:18:34+00:00\",\"dateModified\":\"2026-03-05T11:21:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/\"},\"wordCount\":2949,\"publisher\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2026\\\/03\\\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png\",\"keywords\":[\"Fintech\"],\"articleSection\":[\"Fintech\"],\"inLanguage\":\"lt-LT\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/\",\"url\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/\",\"name\":\"Mobile Banking Features of Online Banks - The Codest\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2026\\\/03\\\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png\",\"datePublished\":\"2026-01-20T11:18:34+00:00\",\"dateModified\":\"2026-03-05T11:21:34+00:00\",\"description\":\"Explore the top mobile banking features of online banks in 2026, from AI insights and automated savings to digital wallets, security tools.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#breadcrumb\"},\"inLanguage\":\"lt-LT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#primaryimage\",\"url\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2026\\\/03\\\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png\",\"contentUrl\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2026\\\/03\\\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png\",\"width\":960,\"height\":540,\"caption\":\"Mobile banking security illustration with smartphone and shield protection icon.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/blog\\\/mobile-banking-features-of-online-banks\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thecodest.co\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mobile Banking Features of Online Banks\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/#website\",\"url\":\"https:\\\/\\\/thecodest.co\\\/\",\"name\":\"The Codest\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/thecodest.co\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lt-LT\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/#organization\",\"name\":\"The Codest\",\"url\":\"https:\\\/\\\/thecodest.co\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2024\\\/03\\\/thecodest-logo.svg\",\"contentUrl\":\"https:\\\/\\\/thecodest.co\\\/app\\\/uploads\\\/2024\\\/03\\\/thecodest-logo.svg\",\"width\":144,\"height\":36,\"caption\":\"The Codest\"},\"image\":{\"@id\":\"https:\\\/\\\/thecodest.co\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/pl.linkedin.com\\\/company\\\/codest\",\"https:\\\/\\\/clutch.co\\\/profile\\\/codest\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/thecodest.co\\\/#\\\/schema\\\/person\\\/7e3fe41dfa4f4e41a7baad4c6e0d4f76\",\"name\":\"thecodest\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lt-LT\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5dbfe6a1e8c86e432e8812759e34e6fe82ebac75119ae3237a6c1311fa19caf4?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5dbfe6a1e8c86e432e8812759e34e6fe82ebac75119ae3237a6c1311fa19caf4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/5dbfe6a1e8c86e432e8812759e34e6fe82ebac75119ae3237a6c1311fa19caf4?s=96&d=mm&r=g\",\"caption\":\"thecodest\"},\"url\":\"https:\\\/\\\/thecodest.co\\\/lt\\\/author\\\/thecodest\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Internetini\u0173 bank\u0173 mobiliosios bankininkyst\u0117s funkcijos - The Codest","description":"Susipa\u017einkite su svarbiausiomis internetini\u0173 bank\u0173 mobiliosios bankininkyst\u0117s funkcijomis 2026 m. - nuo dirbtinio intelekto \u012f\u017evalg\u0173 ir automatizuoto taupymo iki skaitmenini\u0173 pinigini\u0173 ir saugumo priemoni\u0173.","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:\/\/thecodest.co\/lt\/tinklarastis\/internetiniu-banku-mobiliosios-bankininkystes-funkcijos\/","og_locale":"lt_LT","og_type":"article","og_title":"Mobile Banking Features of Online Banks","og_description":"Explore the top mobile banking features of online banks in 2026, from AI insights and automated savings to digital wallets, security tools.","og_url":"https:\/\/thecodest.co\/lt\/tinklarastis\/internetiniu-banku-mobiliosios-bankininkystes-funkcijos\/","og_site_name":"The Codest","article_published_time":"2026-01-20T11:18:34+00:00","article_modified_time":"2026-03-05T11:21:34+00:00","og_image":[{"width":960,"height":540,"url":"https:\/\/thecodest.co\/app\/uploads\/2026\/03\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png","type":"image\/png"}],"author":"thecodest","twitter_card":"summary_large_image","twitter_misc":{"Written by":"thecodest","Est. reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#article","isPartOf":{"@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/"},"author":{"name":"thecodest","@id":"https:\/\/thecodest.co\/#\/schema\/person\/7e3fe41dfa4f4e41a7baad4c6e0d4f76"},"headline":"Mobile Banking Features of Online Banks","datePublished":"2026-01-20T11:18:34+00:00","dateModified":"2026-03-05T11:21:34+00:00","mainEntityOfPage":{"@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/"},"wordCount":2949,"publisher":{"@id":"https:\/\/thecodest.co\/#organization"},"image":{"@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#primaryimage"},"thumbnailUrl":"https:\/\/thecodest.co\/app\/uploads\/2026\/03\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png","keywords":["Fintech"],"articleSection":["Fintech"],"inLanguage":"lt-LT"},{"@type":"WebPage","@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/","url":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/","name":"Internetini\u0173 bank\u0173 mobiliosios bankininkyst\u0117s funkcijos - The Codest","isPartOf":{"@id":"https:\/\/thecodest.co\/#website"},"primaryImageOfPage":{"@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#primaryimage"},"image":{"@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#primaryimage"},"thumbnailUrl":"https:\/\/thecodest.co\/app\/uploads\/2026\/03\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png","datePublished":"2026-01-20T11:18:34+00:00","dateModified":"2026-03-05T11:21:34+00:00","description":"Susipa\u017einkite su svarbiausiomis internetini\u0173 bank\u0173 mobiliosios bankininkyst\u0117s funkcijomis 2026 m. - nuo dirbtinio intelekto \u012f\u017evalg\u0173 ir automatizuoto taupymo iki skaitmenini\u0173 pinigini\u0173 ir saugumo priemoni\u0173.","breadcrumb":{"@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#breadcrumb"},"inLanguage":"lt-LT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/"]}]},{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#primaryimage","url":"https:\/\/thecodest.co\/app\/uploads\/2026\/03\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png","contentUrl":"https:\/\/thecodest.co\/app\/uploads\/2026\/03\/Guide_-How-to-build-a-secure-healthcare-app-in-the-EU.png","width":960,"height":540,"caption":"Mobile banking security illustration with smartphone and shield protection icon."},{"@type":"BreadcrumbList","@id":"https:\/\/thecodest.co\/blog\/mobile-banking-features-of-online-banks\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/thecodest.co\/"},{"@type":"ListItem","position":2,"name":"Mobile Banking Features of Online Banks"}]},{"@type":"WebSite","@id":"https:\/\/thecodest.co\/#website","url":"https:\/\/thecodest.co\/","name":"The Codest","description":"","publisher":{"@id":"https:\/\/thecodest.co\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thecodest.co\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Organization","@id":"https:\/\/thecodest.co\/#organization","name":"The Codest","url":"https:\/\/thecodest.co\/","logo":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/thecodest.co\/#\/schema\/logo\/image\/","url":"https:\/\/thecodest.co\/app\/uploads\/2024\/03\/thecodest-logo.svg","contentUrl":"https:\/\/thecodest.co\/app\/uploads\/2024\/03\/thecodest-logo.svg","width":144,"height":36,"caption":"The Codest"},"image":{"@id":"https:\/\/thecodest.co\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/pl.linkedin.com\/company\/codest","https:\/\/clutch.co\/profile\/codest"]},{"@type":"Person","@id":"https:\/\/thecodest.co\/#\/schema\/person\/7e3fe41dfa4f4e41a7baad4c6e0d4f76","name":"thecodest","image":{"@type":"ImageObject","inLanguage":"lt-LT","@id":"https:\/\/secure.gravatar.com\/avatar\/5dbfe6a1e8c86e432e8812759e34e6fe82ebac75119ae3237a6c1311fa19caf4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5dbfe6a1e8c86e432e8812759e34e6fe82ebac75119ae3237a6c1311fa19caf4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5dbfe6a1e8c86e432e8812759e34e6fe82ebac75119ae3237a6c1311fa19caf4?s=96&d=mm&r=g","caption":"thecodest"},"url":"https:\/\/thecodest.co\/lt\/author\/thecodest\/"}]}},"_links":{"self":[{"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/posts\/10882","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/comments?post=10882"}],"version-history":[{"count":8,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/posts\/10882\/revisions"}],"predecessor-version":[{"id":10891,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/posts\/10882\/revisions\/10891"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/media\/10885"}],"wp:attachment":[{"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/media?parent=10882"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/categories?post=10882"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thecodest.co\/lt\/wp-json\/wp\/v2\/tags?post=10882"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}