{"id":2510969,"date":"2021-11-09T11:45:06","date_gmt":"2021-11-09T09:45:06","guid":{"rendered":"https:\/\/www.arb.ro\/?p=2510969"},"modified":"2024-01-20T12:17:46","modified_gmt":"2024-01-20T10:17:46","slug":"arb-talks-adrian-tomasescu-arb-rata-fraudelor-bancare-este-foarte-scazuta-in-romania-iar-asta-ne-situeaza-la-finalul-unui-clasament-negativ-al-europei","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/arb-talks-adrian-tomasescu-arb-rata-fraudelor-bancare-este-foarte-scazuta-in-romania-iar-asta-ne-situeaza-la-finalul-unui-clasament-negativ-al-europei\/","title":{"rendered":"ARB Talks: Adrian Toma\u0219escu, ARB \u2013 Rata fraudelor bancare este foarte sc\u0103zut\u0103 \u00een Rom\u00e2nia iar asta ne situeaz\u0103 la finalul unui clasament negativ al Europei - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2510969\" class=\"elementor elementor-2510969\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb40515 e-flex e-con-boxed e-con e-parent\" data-id=\"bb40515\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7851e9f9 elementor-widget elementor-widget-text-editor\" data-id=\"7851e9f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\"><strong>Sunt aproape 30 de ani de c\u00e2nd rom\u00e2nii pot face tranzac\u021bii cu cardul. De la primele carduri ap\u0103rute \u0219i p\u00e2n\u0103 ast\u0103zi s-au schimbat foarte multe, at\u00e2t legat de tipul de carduri, modul \u00een care le po\u021bi accesa, c\u00e2t \u0219i de modul \u00een care pot fi utilizate. Odat\u0103 cu pandemia cauzat\u0103 de Covid 19, tranzac\u021biile cu cardul au crescut peste tot \u00een lume, acestea fiind recomandate \u00een defavoarea pl\u0103\u021bilor cu numerar. \u00centr-un interviu acordat <a href=\"https:\/\/m.hotnews.ro\/stire\/25166895\">HotNews.ro<\/a>, Adrian Toma\u0219escu, Pre\u0219edintele Comisiei de Carduri de la Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, a discutat despre cum ne putem folosi de carduri inteligent \u0219i c\u00e2t de mult ne pot simplifica sau pot complica via\u021ba dac\u0103 \u00eencepem s\u0103 folosim mai mult cardul \u0219i mai pu\u021bin banii cash. <\/strong><\/p><p style=\"text-align: justify;\">Pe scurt:<\/p><p style=\"text-align: justify;\"><strong>Scurt istoric al opera\u021biunilor cu cardul \u00een Rom\u00e2nia <\/strong><\/p><p style=\"text-align: justify;\">Adrian Toma\u0219escu:<\/p><p style=\"text-align: justify;\">Avem acum pe pia\u021b\u0103 peste 16 milioane de carduri de debit \u0219i \u00een jur de 3 milioane de carduri de credit. Acum 20 \u0219i ceva de ani, plasticul era singurul instrument pe care noi \u00eel foloseam la momentul unei achizi\u021bii. Acum avem la dispozi\u021bie telefonul, unde sigur, tot un card este \u00een spatele telefonului, dar accesibilitatea este mult mai mare.<\/p><p style=\"text-align: justify;\"><strong>Despre c\u00e2t de accesibil\u0103 este plata cu cardul \u00een mediul rural <\/strong><\/p><p style=\"text-align: justify;\">Adrian Toma\u0219escu:<\/p><p style=\"text-align: justify;\">Nu este la fel de accesibil\u0103 ca pentru persoanele din mediul urban. \u00cen zona rural\u0103 re\u021beaua de acceptare, \u0219i m\u0103 refer aici at\u00e2t la ATM-uri c\u00e2t \u0219i la POS-uri, este una destul de redus\u0103.<\/p><p style=\"text-align: justify;\">Pe de o parte, vorbim de utilizatorii de carduri care se pl\u00e2ng c\u0103 nu exist\u0103 suficiente loca\u021bii unde ar putea s\u0103 le foloseasc\u0103, pe de alt\u0103 parte vorbim de rezerve ale comercian\u021bilor care se pot g\u00e2ndi la ni\u0219te costuri prea mari pentru acel tip de opera\u021biune sau c\u0103 nu o s\u0103 fie suficien\u021bi clien\u021bi care s\u0103 solicite o astfel de plat\u0103. Costurile au sc\u0103zut foarte mult. Exist\u0103 o pia\u021b\u0103 foarte competitiv\u0103.<\/p><p style=\"text-align: justify;\"><strong>Cardul de credit poate fi solu\u021bia pentru persoanele dezordonate din punct de vedere financiar <\/strong><\/p><p style=\"text-align: justify;\">Adrian Toma\u0219escu:<\/p><p style=\"text-align: justify;\">Cardul de debit este un produs din punct de vedere al complexit\u0103\u021bii mult mai simplu. Este un card pe care noi avem ni\u0219te disponibilit\u0103\u021bi, pensie, salariu, aloca\u021bii, orice fel de bani pe care \u00eel utiliz\u0103m \u00een limita soldului, a\u0219a cum ne dorim. La cardul de credit vorbim de o linie de credit acordat\u0103 pe baza unei analize de bonitate pe care banca o efectueaz\u0103. Deci o linie de credit pe care banca o pune la dispozi\u021bia clientului pentru a fi utilizat\u0103 de c\u0103tre acesta, evident, la fel ca \u0219i la cardul de debit, cum dore\u0219te clientul. Numai c\u0103, evident, consum\u00e2nd din aceast\u0103 linie de credit, avem \u0219i obliga\u021bia de rambursare la scaden\u021b\u0103. Deci trebuie s\u0103 avem o \u00een\u021belegere foarte bun\u0103 \u00een ceea ce prive\u0219te func\u021bionarea cardului de credit.<\/p><p style=\"text-align: justify;\">Avem facilitatea de rate f\u0103r\u0103 dob\u00e2nd\u0103. Aceast\u0103 facilitate este valabil\u0103 dac\u0103 noi achit\u0103m \u00een fiecare lun\u0103 rata integral\u0103.<\/p><p style=\"text-align: justify;\">Cardul de credit poate s\u0103 fie un produs care s\u0103 ne mai ordoneze pu\u021bin via\u021ba noastr\u0103 financiar\u0103. Nu este at\u00e2t de complex pe c\u00e2t pare. Necesit\u0103 o minim\u0103 \u00een\u021belegere a func\u021bionalit\u0103\u021bii \u0219i cred c\u0103 poate fi utilizat cu succes \u0219i f\u0103r\u0103 probleme \u0219i de c\u0103tre persoanele care nu sunt at\u00e2t de ordonate din punct de vedere financiar. Tocmai pentru c\u0103 exist\u0103 toate informa\u021biile necesare astfel \u00eenc\u00e2t s\u0103 avem pu\u021bin\u0103 ordine \u00een via\u021ba noastr\u0103 financiar\u0103.<\/p><p style=\"text-align: justify;\">Orice cump\u0103r\u0103tur\u0103 despre care clientul crede c\u0103 poate s\u0103 fie \u00eemp\u0103r\u021bit\u0103 \u00een rate astfel \u00eenc\u00e2t povara lui financiar\u0103 s\u0103 nu fie imediat\u0103 \u00een momentul cump\u0103r\u0103turii ci ea s\u0103 se \u00eentind\u0103 pe c\u00e2teva luni, chiar \u0219i ani, atunci orice cump\u0103r\u0103tur\u0103 poate fi efectuat\u0103 cu cardul de credit.<\/p><p style=\"text-align: justify;\"><strong>Interac\u021biunea cu b\u0103ncile va mai fi mediat\u0103 de persoane sau totul va deveni automat? <\/strong><\/p><p style=\"text-align: justify;\">Adrian Toma\u0219escu:<\/p><p style=\"text-align: justify;\">Eu cred c\u0103 viitorul va fi combinat. E clar c\u0103 exist\u0103 o nevoie de a pune la dispozi\u021bia clien\u021bilor servicii, instrumente care s\u0103 ne asigure o rapiditate \u00een ceea ce prive\u0219te accesarea serviciilor bancare. Aici m\u0103 refer \u00een primul r\u00e2nd la serviciile de <em>daily banking <\/em>. \u00cens\u0103, cu siguran\u021b\u0103, nu va disp\u0103rea interac\u021biunea uman\u0103 pentru produsele mai complexe, care necesit\u0103 consiliere.<\/p><p style=\"text-align: justify;\"><strong>Despre siguran\u021ba cardurilor bancare <\/strong><\/p><p style=\"text-align: justify;\">Adrian Toma\u0219escu:<\/p><p style=\"text-align: justify;\">Din punct de vedere statistic ne afl\u0103m la coada Europei \u00een ceea ce prive\u0219te rata fraudei. At\u00e2ta timp c\u00e2t clien\u021bii sunt aten\u021bi \u00een momentul \u00een care utilizeaz\u0103 cardul, nu dezv\u0103luie informa\u021bii pe care nu ar trebui s\u0103 le dezv\u0103luie, cum ar fi codul de securitate, parola unic\u0103 trimis\u0103 \u00een momentul \u00een care faci o tranzac\u021bie, PIN-ul, atunci nu exist\u0103 niciun motiv de \u00eengrijorare vizavi de utilizarea cardului.<\/p><p style=\"text-align: justify;\">Tocmai pentru a avea un mediu \u00een care pl\u0103\u021bile sunt foarte sigure \u0219i a men\u021bine \u00eencrederea \u00een acest instrument de plat\u0103, au fost adoptate m\u0103suri. Aici vorbim de implementarea directivei PSD2, directiva European\u0103, care a cerut b\u0103ncilor s\u0103 adopte standarde de securitate \u00eenalte \u00een ceea ce prive\u0219te tranzac\u021bionarea cu cardul \u0219i a introdus no\u021biunea de <em>Strong Customer Authentication<\/em>.<\/p><p style=\"text-align: justify;\"><strong>Despre reticen\u021ba \u00een a folosi metodele de plat\u0103 cu cardul <\/strong><\/p><p style=\"text-align: justify;\">Adrian Toma\u0219escu:<\/p><p style=\"text-align: justify;\">Este clar c\u0103 mai sunt lucruri de f\u0103cut. Educa\u021bia financiar\u0103 este clar o zon\u0103 \u00een care \u0219i noi, industria, trebuie s\u0103 facem mai mult. Autorit\u0103\u021bile publice trebuie s\u0103 fac\u0103 mai mult pentru c\u0103 exist\u0103 un vid \u00een ceea ce privesc cuno\u0219tin\u021bele financiare, \u00een special \u00een mediile unde aceste instrumente nu au p\u0103truns at\u00e2t de mult.<\/p><p style=\"text-align: justify;\">Acum exist\u0103 fluxuri digitale chiar pentru deschiderea unui cont \u0219i accesarea unui card, deci nu mai este necesar\u0103 prezen\u021ba fizic\u0103 la unitate. \u0218tim cu to\u021bii c\u0103 \u00een mediul rural nu exist\u0103 astfel de unit\u0103\u021bi bancare, deci, practic, acum nu mai avem aceast\u0103 barier\u0103 legat\u0103 de accesibilitatea unui cont \u0219i a unui card. Chiar \u0219i telefonul poate fi folosit pentru a accesa un astfel de produs.<\/p><p style=\"text-align: justify;\">Pl\u0103\u021bile online pot reprezenta un motor \u0219i pentru persoanele care se afl\u0103 \u00eentr-o zon\u0103 \u00een care re\u021beaua de acceptare nu este at\u00e2t de ofertant\u0103. Mai este o situa\u021bie care poate fi considerat\u0103 ca un facilitator al pl\u0103\u021bilor \u00een zona rural\u0103: achitarea taxelor \u0219i impozitelor.<\/p>\t\t\t\t\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\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Adrian Toma\u0219escu, Pre\u0219edintele Comisiei de Carduri &#8211; Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video HotNews \u2013 9 noiembrie 2021<\/p>","protected":false},"author":3,"featured_media":2511461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-2510969","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ARB Talks: Adrian Toma\u0219escu, ARB - Rata fraudelor bancare este foarte sc\u0103zut\u0103 \u00een Rom\u00e2nia iar asta ne situeaz\u0103 la finalul unui clasament negativ al Europei - 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\/arb-talks-adrian-tomasescu-arb-rata-fraudelor-bancare-este-foarte-scazuta-in-romania-iar-asta-ne-situeaza-la-finalul-unui-clasament-negativ-al-europei\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ARB Talks: Adrian Toma\u0219escu, ARB - Rata fraudelor bancare este foarte sc\u0103zut\u0103 \u00een Rom\u00e2nia iar asta ne situeaz\u0103 la finalul unui clasament negativ al Europei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Adrian Toma\u0219escu, Pre\u0219edintele Comisiei de Carduri - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video HotNews \u2013 9 noiembrie 2021\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/arb-talks-adrian-tomasescu-arb-rata-fraudelor-bancare-este-foarte-scazuta-in-romania-iar-asta-ne-situeaza-la-finalul-unui-clasament-negativ-al-europei\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-09T09:45:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-20T10:17:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/adrian-tomasescu-Linkedinjpg-e1636450557975.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"614\" \/>\n\t<meta property=\"og:image:height\" content=\"616\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Julius\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Julius\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-talks-adrian-tomasescu-arb-rata-fraudelor-bancare-este-foarte-scazuta-in-romania-iar-asta-ne-situeaza-la-finalul-unui-clasament-negativ-al-europei\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/arb-talks-adrian-tomasescu-arb-rata-fraudelor-bancare-este-foarte-scazuta-in-romania-iar-asta-ne-situeaza-la-finalul-unui-clasament-negativ-al-europei\\\/\"},\"author\":{\"name\":\"Julius\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/dee91fbc10f29d0338e589f6bc22010f\"},\"headline\":\"ARB Talks: Adrian Toma\u0219escu, ARB &#8211; 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