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Nový plán EBA si vyžádá zavedení dalších kroků v procesu platby, což zákazníkům citelně zkomplikuje a prodlouží jejich on-line nákupy. Změny zapříčiní konec expresních plateb jedním kliknutím nebo plateb uloženou kartou v rámci mobilní aplikace. Způsobí také omezený přístup k on-line nakupování na mezinárodních e-shopech a delší fronty při placení mýta nebo parkování.
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