{"id":10665,"date":"2021-05-13T13:48:51","date_gmt":"2021-05-13T13:48:51","guid":{"rendered":"https:\/\/www.factris.com\/?p=10665"},"modified":"2023-01-10T07:34:44","modified_gmt":"2023-01-10T07:34:44","slug":"kaip-imonems-apsisaugoti-nuo-fiktyviu-uzsakymu","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/daugeja-fiktyviu-uzsakymu\/","title":{"rendered":"Suk\u010diai naudojasi sunkme\u010diu: daug\u0117ja fiktyvi\u0173 u\u017esakym\u0173"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.4&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_font=&#8221;|700|||||||&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2><strong><span>Finans\u0173 ekspertai pastebi, kad \u0161iuo laikotarpiu, kritus nema\u017eos dalies versl\u0173 pardavimams, \u012fmon\u0117s susiduria su i\u0161augusiais fiktyvi\u0173 u\u017esakym\u0173 kiekiais. \u012emoni\u0173 vadovai, nor\u0117dami lengviau i\u0161gyventi \u0161\u012f vis dar neapibr\u0117\u017et\u0105 pandemijos laikotarp\u012f, yra link\u0119 prisiimti nauj\u0173 klient\u0173, su kuriais iki \u0161iol niekada nedirbo, u\u017esakym\u0173. Pasirodo, tarp toki\u0173 \u201eu\u017esakov\u0173\u201c pasitaiko suk\u010di\u0173, kurie organizuoja dideles atakas prie\u0161 eil\u0119 kompanij\u0173 ir laukia \u201eu\u017ekibusi\u0173j\u0173\u201c reakcijos. Da\u017eniau \u012f tokias pinkles pakli\u016bna prekybos \u012fmon\u0117s, o j\u0173 prekes suk\u010diai realizuoja juodojoje rinkoje.<\/span><\/strong><\/h2>\n<p><span>Alternatyvaus finansavimo bendrov\u0117s <a href=\"https:\/\/www.factris.com\/lt\/apie-mus\/\" target=\"_blank\" rel=\"noopener\">\u201eFactris\u201c<\/a> Rizikos skyriaus vadovas Edmundas Volskis sako, kad didesn\u0117je rizikos zonoje atsiduria ma\u017eesn\u0117s bei jaunesn\u0117s \u012fmon\u0117s, kuri\u0173 savininkai ar direktoriai, sulauk\u0119 nema\u017eo u\u017esakymo, gali b\u016bti link\u0119 prisiimti daugiau rizikos bei patvirtinti fiktyv\u0173 u\u017esakym\u0105. Toki\u0173 atvej\u0173 da\u017en\u0117ja b\u016btent \u0161iuo laikotarpiu, kai da\u017enos, ypa\u010d neseniai rinkoje \u012fsitvirtinusios, \u012fmon\u0117s pardavimai sumenk\u0119.<\/span><\/p>\n<p><span>\u201ePastebime, kad ma\u017e\u0173 \u012fmoni\u0173 atstovams neretai tr\u016bksta patirties analizuojant u\u017esakov\u0105. Jaunos \u012fmon\u0117s taip pat neretai neturi blog\u0173 patir\u010di\u0173 su atsiskaitymais, tod\u0117l da\u017eniau papuola \u012f suk\u010di\u0173 pinkles\u201c, \u2013 komentuoja E. Volskis.<\/span><\/p>\n<p><span><\/span><\/p>\n<h2><strong><span>\u017dala siekia ne vien\u0105 de\u0161imt\u012f t\u016bkstan\u010di\u0173 eur\u0173<\/span><\/strong><\/h2>\n<p><span>E. Volskis pasakoja, kad fiktyvi\u0173 u\u017esakym\u0173 scenarij\u0173 pastaruoju metu pasitaiko gana \u012fvairi\u0173.<\/span><\/p>\n<p><span>\u201eVienas da\u017en\u0173 signal\u0173, kad u\u017esakovas galimai nori apgauti, yra jo atsisakymas net ir nedideliam pirmam pirkimui atlikti i\u0161ankstin\u012f apmok\u0117jim\u0105 ir apmok\u0117jimo termino atid\u0117jimo reikalavimas. \u0160i s\u0105lyga tokiems u\u017esakovams paprastai yra lemiama, sprend\u017eiant pirkimo-pardavimo klausim\u0105. \u017dinoma, jeigu u\u017esakovas yra jau \u017einomas verslo partneris, tai gali b\u016bti standartin\u0117, ypa\u010d dideli\u0173 u\u017esakov\u0173, praktika, ta\u010diau mok\u0117jimo termino atid\u0117jimo suteikimas naujam u\u017esakovui turi b\u016bti i\u0161skirtinio d\u0117mesio objektas\u201c, \u2013 komentuoja finans\u0173 specialistas. <\/span><\/p>\n<p><span>Taip pat, anot jo, pasitaiko atvej\u0173, kai klientas preki\u0173 pristatymo metu staiga papra\u0161o pakeisti sand\u0117lio pristatymo adres\u0105, kuris tiesiogiai nepriklauso \u012fmonei, o po pristatymo gin\u010dija produkcijos gavimo fakt\u0105.<\/span><\/p>\n<p><span>Neretai suk\u010diai naudojasi ir esamais u\u017esakovais u\u017esienyje \u2013 prisidengdami pastar\u0173j\u0173 vardu atlieka netikrus u\u017esakymus. Pasitaiko ir dar vienas scenarijus \u2013 suk\u010diai pasisavina u\u017esakovo direktoriaus tapatyb\u0119 ir prisidengdami jo vardu organizuoja netikrus u\u017esakymus.<\/span><\/p>\n<p><span>\u201e\u012e suk\u010di\u0173 pinkles patekusi\u0173 \u012fmoni\u0173 finansiniai praradimai \u012fvair\u016bs. Kaip rodo m\u016bs\u0173 turimi duomenys, nuo 10 iki 40 t\u016bkst. eur\u0173. Nuostoliai da\u017eniausiai priklauso nuo pardav\u0117jo rizikos tolerancijos lygio bei kredito rizikos valdymo praktikos. Didel\u0117s \u012fmon\u0117s neretai naudoja prekinio kredito limit\u0173 sistem\u0105, kuri suteikia ma\u017e\u0105 prekinio kredito limit\u0105 pirmiems u\u017esakymams, o da\u017eniausiai naujiems u\u017esakovams taikoma i\u0161ankstinio apmok\u0117jimo sistema, kol sukuriama tarpusavio veiklos istorija. Taip pat didesn\u0117s \u012fmon\u0117s da\u017eniau naudojasi prekinio kredito draudik\u0173 paslaugomis, kurios \u012fvertina u\u017esakovo galimyb\u0119 atsiskaityti. Visgi reik\u0117t\u0173 atsiminti, jog draudimas neapsaugo nuo fiktyvi\u0173 u\u017esakym\u0173, tod\u0117l pardav\u0117jai turi b\u016bti u\u017etikrinti, kad komunikuoja su oficialiai \u012fdarbintais draud\u017eiamo u\u017esakovo darbuotojais ir prekes pristato nefiktyviam u\u017esakovui. O ma\u017eesn\u0117s \u012fmon\u0117s, kaip matome i\u0161 praktikos, siekdamos kuo grei\u010diau didinti pardavimus, neretai yra linkusios prisiimti didesn\u0119 rizik\u0105. Tokioms \u012fmon\u0117ms net ir nedidelis nuostolis gali sukelti rimt\u0173 padarini\u0173 veiklos t\u0119stinumui\u201c, \u2013 atkreipia d\u0117mes\u012f E. Volskis.<\/span><\/p>\n<p><span><\/span><\/p>\n<h2><strong><span>Nepriimkite skubot\u0173 sprendim\u0173, tikrinkite informacij\u0105<\/span><\/strong><\/h2>\n<p><span>Suk\u010diai da\u017eniausiai itin kruop\u0161\u010diai planuoja savo atakas. Jie b\u016bna puikiai pasireng\u0119, tod\u0117l geriausias patarimas \u012fmon\u0117ms esant prastesniam pardavim\u0173 laikotarpiui \u2013 nepriimti skubot\u0173 sprendim\u0173. B\u016btina <a href=\"https:\/\/www.factris.com\/lt\/naujienos\/prekinio-kredito-draudimas-nuo-nemokumo\/\" target=\"_blank\" rel=\"noopener\">\u012fvertinti<\/a> net pa\u010dius smulkiausius veiksnius ir reaguoti \u012f kiekvien\u0105 nestandartin\u0119 aplinkyb\u0119. Alternatyvaus finansavimo bendrov\u0117s\u00a0 \u201eFactris\u201c Rizikos skyriaus vadovas E. Volskis pataria, kad, siekiant kuo efektyviau apsisaugoti nuo apgavys\u010di\u0173, b\u016btina:<\/span><\/p>\n<ul>\n<li><span>Tikrinti u\u017esakovo at\u0117jimo kanalus, i\u0161siai\u0161kinti, kaip jis su\u017einojo apie j\u016bs\u0173 \u012fmon\u0119;<\/span><\/li>\n<li><span>I\u0161nagrin\u0117ti u\u017esakovo veiklos specifik\u0105, suvokti, ar j\u016bs\u0173 parduodama produkcija realiai pritaikoma tiesiogin\u0117je u\u017esakovo veikloje;<\/span><\/li>\n<li><span>Paklausti u\u017esakovo, ar yra tek\u0119 u\u017esisakyti preki\u0173 ar paslaug\u0173 Lietuvoje, pakalb\u0117ti su buvusiais tiek\u0117jais;<\/span><\/li>\n<li><span>Pirmiems u\u017esakymams pra\u0161yti i\u0161ankstinio apmok\u0117jimo ir tik suk\u016brus veiklos istorij\u0105 suteikti prekinio kredito galimyb\u0119;<\/span><\/li>\n<li><span>Papra\u0161yti susisiekti vaizdo skambu\u010diu. Jo metu reik\u0117t\u0173 i\u0161siai\u0161kinti apie \u012fmon\u0117s versl\u0105, patirt\u012f, darbo metodus, u\u017esakovus, realizacijos rink\u0105. Tuomet pravartu steb\u0117ti reakcijos laik\u0105 ir atsakym\u0173 kokyb\u0119. Jei yra galimyb\u0117, rekomenduojama patvirtinti u\u017esakovo vadovo tapatyb\u0119;<\/span><\/li>\n<li><span>Visada patikrinti, ar tariamo u\u017esakovo kontaktai atitinka oficialiuose \u0161altiniuose nurodomus kontaktus;<\/span><\/li>\n<li><span>\u012evertinti kliento mokum\u0105, kredito istorij\u0105. Jeigu pati \u012fmon\u0117 tam resurs\u0173 neturi, profesionaliai \u012fvertinti u\u017esakovo galimyb\u0119 atsiskaityti gali finansuotojai bei draudikai.<\/span><\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finans\u0173 ekspertai pastebi, kad \u0161iuo laikotarpiu, kritus nema\u017eos dalies versl\u0173 pardavimams, \u012fmon\u0117s susiduria su i\u0161augusiais fiktyvi\u0173 u\u017esakym\u0173 kiekiais. \u012emoni\u0173 vadovai, nor\u0117dami lengviau i\u0161gyventi \u0161\u012f vis dar neapibr\u0117\u017et\u0105 pandemijos laikotarp\u012f, yra link\u0119 prisiimti nauj\u0173 klient\u0173, su kuriais iki \u0161iol niekada nedirbo, u\u017esakym\u0173. Pasirodo, tarp toki\u0173 \u201eu\u017esakov\u0173\u201c pasitaiko suk\u010di\u0173, kurie organizuoja dideles atakas prie\u0161 eil\u0119 kompanij\u0173 ir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&amp;A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. 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