{"id":4939,"date":"2025-07-03T22:11:41","date_gmt":"2025-07-03T20:11:41","guid":{"rendered":"https:\/\/agetech.pl\/?p=4939"},"modified":"2025-07-03T23:52:36","modified_gmt":"2025-07-03T21:52:36","slug":"agetech-i-odwrocona-hipoteka","status":"publish","type":"post","link":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/","title":{"rendered":"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA"},"content":{"rendered":"\n<p>W obliczu starzej\u0105cych si\u0119 spo\u0142ecze\u0144stw coraz wi\u0119cej uwagi po\u015bwi\u0119ca si\u0119 innowacjom wspieraj\u0105cym niezale\u017cne, bezpieczne i godne \u017cycie os\u00f3b starszych. W centrum tego trendu znajduje si\u0119 <strong>AgeTech<\/strong> \u2014 sektor technologii dla senior\u00f3w \u2014 oraz <strong>instrumenty finansowe<\/strong>, kt\u00f3re pozwalaj\u0105 starszym osobom odblokowa\u0107 warto\u015b\u0107 zgromadzon\u0105 w ich maj\u0105tku. Jednym z najciekawszych przyk\u0142ad\u00f3w synergii mi\u0119dzy technologi\u0105 a finansami jest <strong>odwr\u00f3cona hipoteka<\/strong>, kt\u00f3ra w USA stanowi istotne \u017ar\u00f3d\u0142o finansowania dla os\u00f3b starszych \u2014 w tym na zakup lub leasing us\u0142ug i produkt\u00f3w AgeTech.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Czym jest odwr\u00f3cona hipoteka (reverse mortgage)?<\/strong><\/strong><\/h2>\n\n\n\n<p>Odwr\u00f3cona hipoteka to produkt finansowy dost\u0119pny dla w\u0142a\u015bcicieli nieruchomo\u015bci w wieku 62+ (w USA), kt\u00f3ry pozwala im zamieni\u0107 cz\u0119\u015b\u0107 warto\u015bci posiadanego domu na got\u00f3wk\u0119, <strong>bez konieczno\u015bci sprzeda\u017cy nieruchomo\u015bci czy sp\u0142aty kredytu w trakcie \u017cycia<\/strong>. Wyp\u0142aty mog\u0105 mie\u0107 form\u0119 jednorazowej kwoty, linii kredytowej lub comiesi\u0119cznych rat.<\/p>\n\n\n\n<p>W USA najpopularniejszym modelem jest <strong>Home Equity Conversion Mortgage (HECM)<\/strong>, gwarantowany przez rz\u0105d federalny i nadzorowany przez HUD (U.S. Department of Housing and Urban Development).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dlaczego odwr\u00f3cona hipoteka dzia\u0142a w USA?<\/strong><\/h2>\n\n\n\n<p>Kilka czynnik\u00f3w sprawia, \u017ce ten instrument finansowy dobrze przyj\u0105\u0142 si\u0119 w Stanach Zjednoczonych:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wysoki poziom w\u0142asno\u015bci nieruchomo\u015bci<\/strong> w\u015br\u00f3d os\u00f3b starszych \u2013 ponad 80% senior\u00f3w w USA jest w\u0142a\u015bcicielami dom\u00f3w.<\/li>\n\n\n\n<li><strong>Zamo\u017cno\u015b\u0107 \u201cna papierze\u201d<\/strong> \u2013 wiele os\u00f3b starszych ma niski doch\u00f3d bie\u017c\u0105cy, ale wysok\u0105 warto\u015b\u0107 maj\u0105tku (dom\u00f3w), kt\u00f3ry mog\u0105 spieni\u0119\u017cy\u0107 bez przeprowadzki.<\/li>\n\n\n\n<li><strong>Silna regulacja prawna i ochrona konsumenta<\/strong> \u2013 przepisy federalne chroni\u0105 u\u017cytkownik\u00f3w przed strat\u0105 domu i zapewniaj\u0105 spadkobiercom opcj\u0119 wykupu nieruchomo\u015bci.<\/li>\n\n\n\n<li><strong>Szeroka akceptacja spo\u0142eczna i edukacja<\/strong> \u2013 liczne kampanie informacyjne zwi\u0119kszaj\u0105 \u015bwiadomo\u015b\u0107 finansow\u0105 w\u015br\u00f3d senior\u00f3w.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Po\u0142\u0105czenie odwr\u00f3conej hipoteki z AgeTech: praktyczne zastosowania<\/strong><\/h2>\n\n\n\n<p>W ostatnich latach mo\u017cna zaobserwowa\u0107 <strong>rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w<\/strong>, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C. Przyk\u0142adowe scenariusze:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Finansowanie inteligentnego domu dla seniora<\/strong><\/h4>\n\n\n\n<p>Seniorzy wykorzystuj\u0105 \u015brodki z odwr\u00f3conej hipoteki na:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>monta\u017c system\u00f3w monitorowania upadk\u00f3w (jak <strong>Nobi<\/strong>, <strong>Vayyar Care<\/strong>, czy <strong>KamiCare<\/strong>),<\/li>\n\n\n\n<li>zakup robot\u00f3w towarzysz\u0105cych (np. <strong>ElliQ<\/strong>, <strong>Cutii<\/strong>),<\/li>\n\n\n\n<li>instalacj\u0119 system\u00f3w telemedycznych, przycisk\u00f3w alarmowych, inteligentnych \u0142\u00f3\u017cek lub urz\u0105dze\u0144 pomagaj\u0105cych w rehabilitacji.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Abonamenty na us\u0142ugi zdalnej opieki<\/strong><\/h4>\n\n\n\n<p>\u015arodki mog\u0105 finansowa\u0107:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>miesi\u0119czne op\u0142aty za zdaln\u0105 opiek\u0119 piel\u0119gniarsk\u0105 lub terapeut\u00f3w (np. platformy takie jak <strong>Papa<\/strong>, <strong>Honor<\/strong>, <strong>Alfred<\/strong>),<\/li>\n\n\n\n<li>leasing platform VR do trening\u00f3w poznawczych i fizycznych.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Dostosowanie domu do potrzeb starzej\u0105cego si\u0119 mieszka\u0144ca<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>remonty \u0142azienek, monta\u017c podno\u015bnik\u00f3w, inteligentnych czujnik\u00f3w dymu, kamer i czujnik\u00f3w ruchu.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Wp\u0142yw na rynek AgeTech<\/strong><\/h2>\n\n\n\n<p>Dzi\u0119ki rosn\u0105cej dost\u0119pno\u015bci \u015brodk\u00f3w z odwr\u00f3conej hipoteki, firmy z sektora AgeTech w USA mog\u0105 tworzy\u0107 <strong>modele sprzeda\u017cowe oparte na finansowaniu klienta ko\u0144cowego<\/strong>, bez konieczno\u015bci anga\u017cowania rodziny lub systemu publicznego.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Przyk\u0142adowe efekty:<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Startupy oferuj\u0105 <strong>bundle us\u0142ug AgeTech<\/strong> jako produkty finansowane z odwr\u00f3conej hipoteki.<\/li>\n\n\n\n<li>Powstaj\u0105 platformy \u0142\u0105cz\u0105ce doradztwo finansowe z us\u0142ugami opieki (np. <strong>Silvernest<\/strong>, <strong>Truehold<\/strong>, <strong>Retirable<\/strong>).<\/li>\n\n\n\n<li>Domy technologiczne i ubezpieczyciele wdra\u017caj\u0105 programy w stylu \u201c<strong>aging in place as a service<\/strong>\u201d.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Co mo\u017ce zainspirowa\u0107 Europ\u0119 i Polsk\u0119?<\/strong><\/h3>\n\n\n\n<p>W Europie odwr\u00f3cona hipoteka jest znacznie mniej rozwini\u0119ta \u2013 g\u0142\u00f3wnie z powodu r\u00f3\u017cnic kulturowych, niskiej \u015bwiadomo\u015bci i mniej sprzyjaj\u0105cych regulacji. Jednak w obliczu rosn\u0105cej liczby samotnych, starszych w\u0142a\u015bcicieli mieszka\u0144 \u2013 <strong>zw\u0142aszcza w Europie \u015arodkowo-Wschodniej<\/strong> \u2013 rozwi\u0105zanie to mo\u017ce odegra\u0107 istotn\u0105 rol\u0119 w przysz\u0142o\u015bci.<\/p>\n\n\n\n<p>Aby model zadzia\u0142a\u0142, potrzebne s\u0105:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>silne mechanizmy ochrony konsumenta,<\/li>\n\n\n\n<li>edukacja finansowa senior\u00f3w i ich rodzin,<\/li>\n\n\n\n<li>integracja us\u0142ug AgeTech z doradztwem finansowym.<\/li>\n<\/ul>\n\n\n\n<p>Podsumowuj\u0105c, odwr\u00f3cona hipoteka w USA to nie tylko spos\u00f3b na zwi\u0119kszenie dochodu senior\u00f3w \u2013 to <strong>katalizator rozwoju rynku AgeTech<\/strong>, umo\u017cliwiaj\u0105cy dost\u0119p do nowoczesnych technologii wspieraj\u0105cych samodzielno\u015b\u0107, bezpiecze\u0144stwo i jako\u015b\u0107 \u017cycia. Europa, w tym Polska, mo\u017ce z tego podej\u015bcia czerpa\u0107 inspiracj\u0119 \u2013 zar\u00f3wno na poziomie polityki publicznej, jak i modeli biznesowych.<\/p>\n\n\n\n<p>Bernard Go\u0142ko &#8211; CEO QVITI S.A. | Polsko-Japo\u0144ska Akademia Technik Komputerowych | AgeTech Polska<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.","protected":false},"author":3,"featured_media":4940,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[25],"tags":[12,288,287],"class_list":["post-4939","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finanse","tag-finanse","tag-odwrocona-hipoteka","tag-reverse-mortgage","cs-entry","cs-video-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA - AgeTech Polska<\/title>\n<meta name=\"description\" content=\"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA - AgeTech Polska\" \/>\n<meta property=\"og:description\" content=\"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\" \/>\n<meta property=\"og:site_name\" content=\"AgeTech Polska\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-03T20:11:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-03T21:52:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1708\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bernard Go\u0142ko\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bernard Go\u0142ko\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\"},\"author\":{\"name\":\"Bernard Go\u0142ko\",\"@id\":\"https:\/\/agetech.pl\/#\/schema\/person\/0ce2ee6d36e26582d692e31675b999db\"},\"headline\":\"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA\",\"datePublished\":\"2025-07-03T20:11:41+00:00\",\"dateModified\":\"2025-07-03T21:52:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\"},\"wordCount\":715,\"publisher\":{\"@id\":\"https:\/\/agetech.pl\/#organization\"},\"image\":{\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"keywords\":[\"Finanse\",\"Odwr\u00f3cona Hipoteka\",\"Reverse Mortgage\"],\"articleSection\":[\"Finanse\"],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\",\"url\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\",\"name\":\"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA - AgeTech Polska\",\"isPartOf\":{\"@id\":\"https:\/\/agetech.pl\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"datePublished\":\"2025-07-03T20:11:41+00:00\",\"dateModified\":\"2025-07-03T21:52:36+00:00\",\"description\":\"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.\",\"breadcrumb\":{\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage\",\"url\":\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"contentUrl\":\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"width\":2560,\"height\":1708,\"caption\":\"Photo by Towfiqu barbhuiya on Unsplash\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\/\/agetech.pl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/agetech.pl\/#website\",\"url\":\"https:\/\/agetech.pl\/\",\"name\":\"AgeTech Polska\",\"description\":\"AgeTech Polska to pierwszy w Polsce portal po\u015bwi\u0119cony technologiom i innowacjom dla starzej\u0105cego si\u0119 spo\u0142ecze\u0144stwa.\",\"publisher\":{\"@id\":\"https:\/\/agetech.pl\/#organization\"},\"alternateName\":\"AgeTech Poland\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/agetech.pl\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/agetech.pl\/#organization\",\"name\":\"AgeTech Polska\",\"url\":\"https:\/\/agetech.pl\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/agetech.pl\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/05\/ksenia-emelianchik-i-CJpO_SzzU-unsplash-scaled.jpg\",\"contentUrl\":\"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/05\/ksenia-emelianchik-i-CJpO_SzzU-unsplash-scaled.jpg\",\"width\":1707,\"height\":2560,\"caption\":\"AgeTech Polska\"},\"image\":{\"@id\":\"https:\/\/agetech.pl\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.linkedin.com\/company\/agetech-polska\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/agetech.pl\/#\/schema\/person\/0ce2ee6d36e26582d692e31675b999db\",\"name\":\"Bernard Go\u0142ko\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/agetech.pl\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f8cccc7839379ae8d5de7b9e449f685ef675db7634a542d10671acd3816c3078?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f8cccc7839379ae8d5de7b9e449f685ef675db7634a542d10671acd3816c3078?s=96&d=mm&r=g\",\"caption\":\"Bernard Go\u0142ko\"},\"description\":\"Ekspert w dziedzinie transformacji cyfrowej w finansach i medycynie, z ponad 20-letnim do\u015bwiadczeniem w budowaniu strategii innowacji oraz wdra\u017caniu rozwi\u0105za\u0144 technologicznych dla mi\u0119dzynarodowych instytucji. Mentor w programie MFC Startup Bootcamp i wyk\u0142adowca w Polsko-Japo\u0144skiej Akademii Technik Komputerowych. Obecnie jako CEO w QVITI rozwija technologie medyczne wspieraj\u0105ce neurorehabilitacj\u0119 i d\u0142ugowieczno\u015b\u0107, \u0142\u0105cz\u0105c \u015bwiat neuro-nauki, terapii i immersyjnych technologii VR.\",\"sameAs\":[\"http:\/\/agatech.pl\",\"https:\/\/www.linkedin.com\/in\/bernardgolko\/\"],\"url\":\"https:\/\/agetech.pl\/index.php\/author\/redaktor\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA - AgeTech Polska","description":"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.","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:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/","og_locale":"pl_PL","og_type":"article","og_title":"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA - AgeTech Polska","og_description":"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.","og_url":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/","og_site_name":"AgeTech Polska","article_published_time":"2025-07-03T20:11:41+00:00","article_modified_time":"2025-07-03T21:52:36+00:00","og_image":[{"width":2560,"height":1708,"url":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","type":"image\/jpeg"}],"author":"Bernard Go\u0142ko","twitter_card":"summary_large_image","twitter_misc":{"Napisane przez":"Bernard Go\u0142ko","Szacowany czas czytania":"4 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#article","isPartOf":{"@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/"},"author":{"name":"Bernard Go\u0142ko","@id":"https:\/\/agetech.pl\/#\/schema\/person\/0ce2ee6d36e26582d692e31675b999db"},"headline":"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA","datePublished":"2025-07-03T20:11:41+00:00","dateModified":"2025-07-03T21:52:36+00:00","mainEntityOfPage":{"@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/"},"wordCount":715,"publisher":{"@id":"https:\/\/agetech.pl\/#organization"},"image":{"@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage"},"thumbnailUrl":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","keywords":["Finanse","Odwr\u00f3cona Hipoteka","Reverse Mortgage"],"articleSection":["Finanse"],"inLanguage":"pl-PL"},{"@type":"WebPage","@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/","url":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/","name":"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA - AgeTech Polska","isPartOf":{"@id":"https:\/\/agetech.pl\/#website"},"primaryImageOfPage":{"@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage"},"image":{"@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage"},"thumbnailUrl":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","datePublished":"2025-07-03T20:11:41+00:00","dateModified":"2025-07-03T21:52:36+00:00","description":"W ostatnich latach mo\u017cna zaobserwowa\u0107 rosn\u0105c\u0105 integracj\u0119 reverse mortgage z technologiami dla senior\u00f3w, zw\u0142aszcza w modelach sprzeda\u017cy us\u0142ug B2C.","breadcrumb":{"@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/"]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#primaryimage","url":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","contentUrl":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","width":2560,"height":1708,"caption":"Photo by Towfiqu barbhuiya on Unsplash"},{"@type":"BreadcrumbList","@id":"https:\/\/agetech.pl\/index.php\/2025\/07\/03\/agetech-i-odwrocona-hipoteka\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/agetech.pl\/"},{"@type":"ListItem","position":2,"name":"AgeTech i odwr\u00f3cona hipoteka: Jak technologia i finanse wspieraj\u0105 senior\u00f3w w USA"}]},{"@type":"WebSite","@id":"https:\/\/agetech.pl\/#website","url":"https:\/\/agetech.pl\/","name":"AgeTech Polska","description":"AgeTech Polska to pierwszy w Polsce portal po\u015bwi\u0119cony technologiom i innowacjom dla starzej\u0105cego si\u0119 spo\u0142ecze\u0144stwa.","publisher":{"@id":"https:\/\/agetech.pl\/#organization"},"alternateName":"AgeTech Poland","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/agetech.pl\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Organization","@id":"https:\/\/agetech.pl\/#organization","name":"AgeTech Polska","url":"https:\/\/agetech.pl\/","logo":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/agetech.pl\/#\/schema\/logo\/image\/","url":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/05\/ksenia-emelianchik-i-CJpO_SzzU-unsplash-scaled.jpg","contentUrl":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/05\/ksenia-emelianchik-i-CJpO_SzzU-unsplash-scaled.jpg","width":1707,"height":2560,"caption":"AgeTech Polska"},"image":{"@id":"https:\/\/agetech.pl\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/agetech-polska\/"]},{"@type":"Person","@id":"https:\/\/agetech.pl\/#\/schema\/person\/0ce2ee6d36e26582d692e31675b999db","name":"Bernard Go\u0142ko","image":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/agetech.pl\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f8cccc7839379ae8d5de7b9e449f685ef675db7634a542d10671acd3816c3078?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f8cccc7839379ae8d5de7b9e449f685ef675db7634a542d10671acd3816c3078?s=96&d=mm&r=g","caption":"Bernard Go\u0142ko"},"description":"Ekspert w dziedzinie transformacji cyfrowej w finansach i medycynie, z ponad 20-letnim do\u015bwiadczeniem w budowaniu strategii innowacji oraz wdra\u017caniu rozwi\u0105za\u0144 technologicznych dla mi\u0119dzynarodowych instytucji. Mentor w programie MFC Startup Bootcamp i wyk\u0142adowca w Polsko-Japo\u0144skiej Akademii Technik Komputerowych. Obecnie jako CEO w QVITI rozwija technologie medyczne wspieraj\u0105ce neurorehabilitacj\u0119 i d\u0142ugowieczno\u015b\u0107, \u0142\u0105cz\u0105c \u015bwiat neuro-nauki, terapii i immersyjnych technologii VR.","sameAs":["http:\/\/agatech.pl","https:\/\/www.linkedin.com\/in\/bernardgolko\/"],"url":"https:\/\/agetech.pl\/index.php\/author\/redaktor\/"}]}},"jetpack_featured_media_url":"https:\/\/agetech.pl\/wp-content\/uploads\/2025\/07\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/posts\/4939","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/comments?post=4939"}],"version-history":[{"count":2,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/posts\/4939\/revisions"}],"predecessor-version":[{"id":4943,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/posts\/4939\/revisions\/4943"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/media\/4940"}],"wp:attachment":[{"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/media?parent=4939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/categories?post=4939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/agetech.pl\/index.php\/wp-json\/wp\/v2\/tags?post=4939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}