{"id":9,"date":"2026-02-09T15:59:26","date_gmt":"2026-02-09T13:59:26","guid":{"rendered":"https:\/\/new.arb.ro\/?page_id=9"},"modified":"2026-02-09T16:29:24","modified_gmt":"2026-02-09T14:29:24","slug":"proiecte","status":"publish","type":"page","link":"https:\/\/www.arb.ro\/en\/proiecte\/","title":{"rendered":"Projects"},"content":{"rendered":"
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Projects<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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The digital agenda<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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At global level, in the banking & financial sector, the new priorities are digitalization and innovation. The digital model has changed the game for ever: to stay relevant in financial & banking services means becoming an active part of customers\u2019 digital lives.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Alternative Banking Dispute Resolution Centre (ABDRC)<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tThe Romanian Association of Banks kindly invites the consumers who have a banking dispute to go to the Alternative Banking Dispute Resolution Centre (ABDRC), an entity set up via the effect of the law which solves, free of charge and in a period of time no longer than 90 days, any litigation between customers and banks.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Financial education<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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One of the strategic objectives of the ARB is to contribute to the restoration of trust and the restoration of a correct image of the banking sector by promoting the role of banks in society and in the economy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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SEPA<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The Single Euro Payments Area \u2013 SEPA is the largest scope project deployed by the European payments industry having as aim the creation of an integrated market for euro payment services, by eliminating the legal, technical and commercial barriers among the national payments markets of Europe.<\/p>

\u00cencepand cu 15 noiembrie 2026, conform regulilor SEPA EPC \u00een cadrul mesajelor de plat\u0103 vor fi utilizate numai adrese \u00een format structurat \u0219i hibrid.<\/p>

Mai multe detalii pute\u021bi afla de aici<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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European funds<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tComunitatea bancar\u0103 din Rom\u00e2nia contribuie activ la \u00eembun\u0103t\u0103\u0163irea cadrului general de atragere a fondurilor europene, factor determinant al cre\u0219terii si dezvolt\u0103rii economice.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Medierea<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tARB este promotorul medierii \u00een domeniul bancar. Rezolvarea diferendelor pe cale amiabil\u0103 este \u00een interesul consumatorilor \u015fi b\u0103ncilor.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Regulating and auto-regulating domestic payments<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tSistemul bancar din Rom\u00e2nia deruleaza un proiect de auto-reglementare \u00een domeniul pl\u0103\u0163ilor.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The revised Payment Services Directive<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tDirectiva con\u021bine prevederi pentru o mai bun\u0103 protec\u021bie a consumatorilor \u00eempotriva fraudelor \u0219i a incidentelor de plat\u0103, precum \u0219i drepturi sporite ale consumatorilor pentru realizarea de transferuri \u0219i remiteri de bani \u00een afara Europei sau pl\u0103\u021bi \u00een monede ale \u021b\u0103rilor ter\u021be. De asemenea, \u00eencurajeaz\u0103 apari\u021bia unor noi furnizori de servicii \u0219i dezvoltarea de modalit\u0103\u021bi inovatoare de plat\u0103 de pe telefonul mobil \u0219i prin Internet \u00een Europa,\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Covered bonds<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tIntroducerea de obliga\u0163iuni garantate cu crean\u0163e imobiliare ar permite institu\u0163iilor de credit s\u0103 atrag\u0103 resurse financiare la un cost mai sc\u0103zut dec\u00e2t prin alte instrumente, ceea ce ar putea conduce la diminuarea costurilor credit\u0103rii ipotecare pentru consumatori.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The procedure for personal insolvency<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tDebitorii de bun\u0103 credin\u0163\u0103 care \u00eent\u00e2mpin\u0103 dificult\u0103\u0163i financiare pot opta pentru instituirea unei proceduri colective pentru redresarea situa\u0163iei lor financiare prin stingerea datoriilor \u0219i, \u00een anumite situa\u0163ii, chiar \u0219i cu p\u0103strarea bunurilor, conform Legii 151\/2015 privind procedura insolven\u0163ei persoanelor fizice.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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User protection<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tThe Romanian Association of Banks (RAB) proposes to the authorities a set of concrete institutional collaboration manners with a view to provide efficient legal protection for the users of bank products and services, needless to say with the customers\u2019 previous and express consent.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Lending<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tActivitatea de creditare a fost \u00eenlesnit\u0103 at\u00e2t \u00een cazul popula\u021biei, c\u00e2t \u0219i al companiilor prin m\u0103suri de fluidizare a acord\u0103rii creditelor, c\u00e2t \u0219i prin garan\u021biile acordate, \u00een urma deciziilor luate de stat \u0219i de b\u0103nci. Miz\u0103m \u00een continuare pe accelerarea credit\u0103rii pe zona companiilor.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Intermedierea financiar\u0103 \u2013 \u00eencotro?<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tAsocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor a prezentat \u00een anul 2018 studiul \u201eImpactul economic \u015fi social al sistemului bancar \u00een Rom\u00e2nia\u201d, realizat de PricewaterhouseCoopers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tAfl\u0103 mai mult<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Beneficiary name display service (SANB)<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tActivitatea de creditare a fost \u00eenlesnit\u0103 at\u00e2t \u00een cazul popula\u021biei, c\u00e2t \u0219i al companiilor prin m\u0103suri de fluidizare a acord\u0103rii creditelor, c\u00e2t \u0219i prin garan\u021biile acordate, \u00een urma deciziilor luate de stat \u0219i de b\u0103nci. Miz\u0103m \u00een continuare pe accelerarea credit\u0103rii pe zona companiilor.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tAfl\u0103 mai mult<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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RoPAY<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Serviciul RoPay permite utilizatorilor plata instant cu mobilul \u00een conformitate cu Schema na\u021bional\u0103 de pl\u0103\u021bi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tAfl\u0103 mai mult<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

The Romanian Association of Banks aims to inform, help and educate consumers of banking services through a series of projects from various levels of the banking sector \u2013 legal, digital, financial education, etc.<\/p>","protected":false},"author":5,"featured_media":83,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-9","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nProiecte - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/proiecte\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Proiecte - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor \u00ee\u0219i propune s\u0103 informeze, s\u0103 ajute \u0219i s\u0103 educe consumatorii de servicii bancare printr-o serie de proiecte din diverse paliere ale sectorului bancar - 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