{"id":3063290,"date":"2022-05-30T17:12:41","date_gmt":"2022-05-30T14:12:41","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3063290"},"modified":"2023-12-21T21:24:49","modified_gmt":"2023-12-21T19:24:49","slug":"arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/","title":{"rendered":"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - only in romanian"},"content":{"rendered":"

\u201eNe-am dori foarte mult ca la o distan\u021b\u0103 de 21 de ani de la prima lege privind semn\u0103turile electronice s\u0103 vedem o modernizare \u0219i liberalizare a legisla\u021biei\u201d \u00een acest domeniu, afirm\u0103 Ioana Regenbogen, vicepre\u0219edinte al Comisiei Juridice din cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor. \u00cen interviul acordat \u00een cadrul campaniei \u201eARB Talks\u201d, aceasta vorbe\u0219te despre importan\u021ba educa\u021biei digitale \u00een ceea ce prive\u0219te lupta \u00eempotriva atacurilor cibernetice \u00een zona de banking digital \u0219i afirm\u0103 c\u0103 este nevoie ca administra\u021bia public\u0103 s\u0103 pun\u0103 la dispozi\u021bie sisteme de date deschise, care s\u0103 permit\u0103 accesul b\u0103ncilor la datele legate de clien\u021bi, \u00een mod special pentru \u00eendeplinirea obliga\u021biilor legale. <\/strong><\/p>\n

\"\"<\/p>\n

Ioana Regenbogen la interviurile ARB Talks Foto: Hotnews<\/p>\n

Rom\u00e2nia, pe ultimul loc \u00een UE potrivit Indicelui economiei \u0219i societ\u0103\u021bii digitale (DESI). Care sunt motivele de optimism?<\/strong><\/p>\n

Discut\u0103m despre digitalizare \u0219i a\u0219 \u00eencepe cu o \u00eentrebare simpl\u0103. Cum st\u0103m ast\u0103zi cu banking-ul digital, dac\u0103 ar fi s\u0103 ne raport\u0103m la evolu\u021bia digitaliz\u0103rii at\u00e2t \u00een zona serviciilor publice c\u00e2t \u0219i \u00een zona privat\u0103?<\/em><\/strong><\/p>\n

Ioana Regenbogen: <\/strong>A\u0219 \u00eencepe prin a spune c\u0103 bankingul digital din Rom\u00e2nia nu st\u0103, ci face pa\u0219i fermi si agili, \u00een ton cu schimb\u0103rile tehnologice \u0219i cu schimb\u0103rile de comportament al clien\u021bilor. Cred c\u0103 este oportun s\u0103 discut\u0103m despre digital banking \u00een contextul mai larg al digitaliz\u0103rii din Rom\u00e2nia, mai cu seam\u0103 lu\u00e2nd \u00een considerare datele din raportul pentru Rom\u00e2nia referitor la indicele economiei \u0219i societ\u0103\u021bii digitale – DESI – versiunea din 2021 care urm\u0103re\u0219te progresele \u00eenregistrate \u00een toate statele membre ale UE \u00een ce prive\u0219te competitivitatea digital\u0103, inclusiv integrarea tehnologiilor digitale de c\u0103tre \u00eentreprinderi \u0219i serviciile publice digitale.<\/p>\n

Potrivit acestuia, Rom\u00e2nia se situeaz\u0103 pe locul 27 din cele 27 de state membre ale UE. \u00cen ceea ce prive\u0219te capitalul uman ne situ\u0103m pe locul 26, la capitolul integrare tehnologie digital\u0103 – 25, iar la servicii publice digitale, din nou pe ultimul loc. Este adev\u0103rat c\u0103 acest raport prezint\u0103 date din primele trimestre din 2021, astfel \u00eenc\u00e2t efectele pandemiei de Covid-19 asupra utiliz\u0103rii \u0219i furniz\u0103rii de servicii digitale nu sunt incluse \u00een acest raport \u0219i ne a\u0219tept\u0103m s\u0103 le vedem \u00een edi\u021bia din anul acesta, 2022.<\/p>\n

Sigur, datele arat\u0103 destul de dramatic, \u00eens\u0103 cred c\u0103 avem motive s\u0103 fim optimi\u0219ti. Sunt planificate, a\u0219a cum \u0219tim, investi\u021bii esen\u021biale prin intermediul mecanismului de redresare \u0219i rezilien\u021b\u0103 (PNRR – n.r.), prin care practic ar urma s\u0103 fie construite fundamentele digitale ale institu\u021biilor statului. \u0218i sunt cunoscute discu\u021biile despre dezvoltarea unui cloud guvernamental, despre integrarea bazelor de date, accesibilitatea acestora la nivelul cet\u0103\u021benilor \u0219i al companiilor \u0219i foarte important, inclusiv din punctul de vedere al b\u0103ncilor, identificarea electronic\u0103 a cet\u0103\u021benilor. Aceste realiz\u0103ri, \u00eempreun\u0103 cu dob\u00e2ndirea de competen\u021be digitale de c\u0103tre func\u021bionarii publici credem c\u0103 ne vor situa pe f\u0103ga\u0219ul cel bun al digitaliz\u0103rii.<\/p>\n

\u00centorc\u00e2ndu-m\u0103 acum la sistemul bancar, a\u0219 spune c\u0103 marea majoritate a b\u0103ncilor investesc \u00een mod special \u00een aplica\u021biile de digital banking pentru a asigura \u00een primul r\u00e2nd disponibilitatea acestora c\u00e2t mai aproape de 100%, apoi pentru protec\u021bia \u00eempotriva riscurilor de securitate, dar sigur \u0219i \u00een zona de satisfac\u021bie a clien\u021bilor \u0219i comercial\u0103, pentru oferirea unor servicii c\u00e2t mai diversificate.<\/p>\n

Vedem interfe\u021be de online banking mai intuitive, timp de r\u0103spuns mai scurt. Observ\u0103m exemple tot mai frecvente de automatizare \u0219i digitalizare \u00een aceste canale digitale, cu posibilitate de \u00eenrolare online pentru clien\u021bi, deci deschidere de rela\u021bii \u0219i cont la distan\u021b\u0103, acord\u0103ri sau \u00eenchideri de credite pe flux digital sut\u0103 la sut\u0103.<\/p>\n

Vedem \u0219i exemple de solu\u021bii de soft POS care practic fac tot ce face un POS clasic \u0219i chiar mai mult.<\/p>\n

Un lucru a\u0219 mai men\u021biona, pentru c\u0103 este o preocupare constant\u0103 a tuturor, \u0219i anume investi\u021biile masive pentru implementarea de sisteme de detec\u021bie malware la clien\u021bi, pentru detec\u021bia de tipare de fraud\u0103 \u00een timp real, deci o preocupare de dezvoltare permanent\u0103 de proceduri, tehnologii \u00eempotriva atacurilor cibernetice \u0219i a fraudelor.<\/p>\n

Rom\u00e2nia se poate l\u0103uda cu o autostrad\u0103 informatic\u0103 de mare trafic, programatori destul de mul\u021bi, bine preg\u0103ti\u021bi, \u0219i totu\u0219i la scorul DESI st\u0103m \u00een continuare prost. Ce ne \u021bine lega\u021bi de ultimele locuri \u00een UE?<\/em><\/strong><\/p>\n

Ioana Regenbogen:<\/strong> Men\u021bionam lipsa de educa\u021bie digital\u0103. Sigur, chiar dac\u0103 avem band\u0103, acces la internet rapid cum a\u021bi men\u021bionat, asta nu \u00eenseamn\u0103 c\u0103 avem un grad de utilizare a internetului corespunz\u0103tor. Iar folosirea internetului, pe de alt\u0103 parte, vine la pachet cu expunerea clien\u021bilor la atacuri cibernetice, astfel \u00eenc\u00e2t au nevoie s\u0103 fie informa\u021bi \u00een mod adecvat, s\u0103 fie aten\u021bi, pentru ca s\u0103 se poat\u0103 bucura \u00een siguran\u021b\u0103 de servicii online. Deci \u00eencep\u00e2nd cu educa\u021bia, continu\u00e2nd cu infrastructura legislativ\u0103 care la momentul actual nu consacr\u0103, de exemplu institu\u021biaidentific\u0103rii electronice, ori identitatea digital\u0103, care nu permite accesul online la majoritatea bazelor de date publice \u0219i sigur, nu \u00een ultimul r\u00e2nd, infrastructura tehnic\u0103, care presupune probabil decomisionarea unor sisteme istorice sau de legacy \u00een cadrul institu\u021biilor, autorit\u0103\u021bilor de stat \u0219i adoptarea unor tehnologii noi \u0219i moderne.<\/p>\n

Ne-am dori ca dup\u0103 21 de ani de la prima lege privind semn\u0103turile electronice s\u0103 vedem o modernizare a legisla\u021biei<\/strong><\/p>\n

\u00cen ce prive\u0219te partea legislativ\u0103, s-au f\u0103cut pa\u0219i \u00een ultimii doi ani, constr\u00e2n\u0219i fiind cumva de condi\u021biile impuse de pandemie? Unde se rupe filmul cu legislatorii? Este acolo o problem\u0103?<\/em><\/strong><\/p>\n

Ioana Regenbogen: <\/strong>A\u0219 \u00eencepe cu un exemplu pozitiv. Chiar recent a fost aprobat\u0103 de c\u0103tre Camera Deputa\u021bilor o modificare, o actualizare a legisla\u021biei privind instrumentele de debit, m\u0103 refer la cecuri \u0219i la bilete la ordin, care sunt reglementate printr-o legisla\u021bie ce dateaz\u0103 din 1934. Aceast\u0103 actualizare permite remiterea la \u00eencasare c\u0103tre banc\u0103, de c\u0103tre posesorii acestor instrumente, a imaginii instrumentelor de debit, care trebuie transmis\u0103 prin intermediul unor canale electronice securizate, ca o varianta sau alternativ\u0103 fa\u021b\u0103 de maniera, modalitatea consacrat\u0103 de remitere \u00een original, pe suport de h\u00e2rtie.<\/p>\n

Aceast\u0103 noutate legislativ\u0103 cred eu c\u0103 merit\u0103 s\u0103 fie men\u021bionat\u0103, pentru c\u0103 va conduce la utilizarea unui flux de decontare sut\u0103 la sut\u0103 electronic,<\/p>\n

Avem, \u00eens\u0103, \u0219i exemple de stagnare \u00een ceea ce prive\u0219te legisla\u021bia privind semn\u0103turile electronice.<\/p>\n

Avem un regulament european care este direct aplicabil \u00een toate statele membre UE, \u00eenc\u0103 din 2016. Numai c\u0103 prin acest regulament legiuitorul european a l\u0103sat la latitudinea fiec\u0103rui stat membru reglementarea prin dreptul intern a efectelor juridice ale tuturor tipurilor de semn\u0103turi electronice. Adic\u0103 \u0219i cele simple, \u0219i cele avansate, \u0219i cele calificate.<\/p>\n

Cu acest scop, \u00eenc\u0103 din 2019, au intrat pe agenda Parlamentului dou\u0103 proiecte de lege care au \u00een vedere \u0219i reglementarea efectelor juridice ale acestor semn\u0103turi electronice (\u0219i cele simple, \u0219i cele avansate) \u00eentr-o manier\u0103 foarte echilibrat\u0103, cu propunerea unui model care, practic, s\u0103 permit\u0103 p\u0103r\u021bilor s\u0103 stabileasc\u0103 de comun acord tipul de semn\u0103tur\u0103 pe care doresc s\u0103-l utilizeze \u0219i care, totodat\u0103, face o diferen\u021biere \u00eentre tipurile de acte juridice care urmeaz\u0103 s\u0103 fie semnate cu fiecare din aceste tipuri de semn\u0103turi electronice.<\/p>\n

Nu avem \u00eenc\u0103 un progres notabil \u00eenregistrat \u00een ceea ce prive\u0219te procesul legislativ \u00een cazul acestor legi. Ne-am dori foarte mult ca la o distan\u021b\u0103 de 21 de ani de la prima lege privind semn\u0103turile electronice s\u0103 vedem o asemenea modernizare, actualizare \u0219i liberalizare a acestei legi.<\/p>\n

Astea ar fi c\u00e2teva exemple, dar sigur c\u0103 atunci c\u00e2nd vorbim despre infrastructur\u0103 legislativ\u0103 care s\u0103 sus\u021bin\u0103 transformarea digital\u0103, vorbim despre mult mai mult. Vorbim \u0219i despre identitate digital\u0103 \u0219i a\u0219a mai departe.<\/p>\n

\u201eUn subiect foarte important este punerea la dispozi\u021bie de c\u0103tre administra\u021bia public\u0103 a unor sisteme de date deschise\u201d <\/strong><\/p>\n

Care sunt priorit\u0103\u021bile de pe agenda Asocia\u021biei Rom\u00e2ne a B\u0103ncilor \u00een ceea ce prive\u0219te digitalizarea? Cum arat\u0103, de fapt, aceast\u0103 agend\u0103?<\/em><\/strong><\/p>\n

Ioana Regenbogen:<\/strong> Agenda este una foarte focusat\u0103 pe dep\u0103\u0219irea acestor obstacole de natur\u0103 legislativ\u0103, respectiv de natur\u0103 tehnic\u0103. Men\u021bionam legisla\u021bia privind semn\u0103turile electronice, care este foarte sus pe agenda ARB \u0219i am sus\u021binut \u0219i participat la foarte multe dezbateri \u00een care am avut ocazia s\u0103 prezent\u0103m \u0219i s\u0103 sus\u021binem beneficiile pe care o astfel de legisla\u021bie ar putea s\u0103 le aduc\u0103 pe pia\u021ba serviciilor comer\u021bului electronic.<\/p>\n

\u00cen afar\u0103 de aceasta, mai este un subiect foarte important \u0219i anume punerea la dispozi\u021bie de c\u0103tre administra\u021bia public\u0103 a unor sisteme de date deschise care s\u0103 permit\u0103 accesul b\u0103ncilor la datele legate de clien\u021bi, \u00een mod special pentru \u00eendeplinirea obliga\u021biilor legale. Cred c\u0103 cel mai bun exemplu este furnizarea de c\u0103tre Direc\u021bia pentru Eviden\u021ba Popula\u021biei a informa\u021biilor relevante despre clien\u021bi, \u00een vederea deschiderii rela\u021biilor, \u00een vederea actualiz\u0103rii datelor despre clien\u021bi, deci cu scop de aplicare a cerin\u021belor legale privind cunoa\u0219terea clientelei \u0219i prevenirea \u0219i combaterea sp\u0103l\u0103rii banilor.<\/p>\n

Mai sunt c\u00e2teva obiective, le voi men\u021biona \u00een trecere, n-o s\u0103 intru \u00een detalii: implementarea unei identit\u0103\u021bi digitale \u0219i, sigur, sus\u021binerea extinderii utiliz\u0103rii c\u0103r\u021bilor electronice de identitate care acum, practic, sunt emise doar la nivelul municipiului Cluj-Napoca \u0219i \u00eentr-o faz\u0103 de pilot ; a\u0219tept\u0103m extinderea \u0219i c\u0103tre Bucure\u0219ti.<\/p>\n

Ar mai fi inclusiv asigurarea infrastructurii legislative pentru \u00eencheierea la distan\u021b\u0103 a creditelor ipotecare \u0219i imobiliare, lucru care nu este posibil ast\u0103zi, fiind practic interzis prin lege. \u0218i sigur c\u0103 este avut\u0103 \u00een vedere extinderea ini\u021biativelor de educa\u021bie financiar\u0103 \u0219i \u00een aria competen\u021belor digitale.<\/p>\n

Educa\u021bia digital\u0103, un \u201escut\u201d de protec\u021bie \u00eempotriva atacurilor cibernetice<\/strong><\/p>\n

Exist\u0103 mai nou o contribu\u021bie interesant\u0103 pe care o aduc \u00een industria financiar- bancar\u0103 fintech-urile. Fintech-urile sunt companii noi, startup-uri de cele mai multe ori, care vin cu tot felul de solu\u021bii inovative. \u00cen viziunea ARB, exist\u0103 o oportunitate \u00een ceea ce prive\u0219te colaborarea cu astfel de organiza\u021bii?<\/em><\/strong><\/p>\n

Ioana Regenbogen: <\/strong>Da, parteneriatele cu fintech-urile pot aduce contribu\u021bii foarte interesante. \u0218i, avem \u00een vedere, de exemplu, produse noi de finan\u021bare, care ar putea s\u0103 ofere instant acces la lichidit\u0103\u021bi. A\u0219 putea s\u0103 dau un exemplu: finan\u021barea tranzac\u021bional\u0103 online, bazat\u0103 pe v\u00e2nzarea confirmat\u0103, comunicata de furnizorii de e-commerce, f\u0103r\u0103 prezentarea facturii. Este un produs care ar putea s\u0103 fie \u00eenlesnit, fabricat \u0219i intermediat printr-un astfel de parteneriat. Apoi, credem c\u0103 ar putea fi foarte important s\u0103 fie dezvoltate, \u00eempreun\u0103 cu fintech-urile, modele noi de scoring de credit. C\u0103ci modelele actuale de acceptan\u021b\u0103 sunt bazate \u00een mod deosebit pe evaluarea situa\u021biilor financiare \u0219i existen\u021ba sau nu a unor incidente de plat\u0103. Mai ales \u00een cazul companiilor mici, acest model existent ofer\u0103 o prognoz\u0103 slab\u0103 cu privire la cash-flow, cu privire la probabilitatea de default. Or, \u00een cazul \u00een care aceste modele ar fi \u00eembog\u0103\u021bite cu o analiz\u0103 tranzac\u021bional\u0103, \u00eencas\u0103rile \u0219i pl\u0103\u021bile din ultimele 3 sau 6 luni, de exemplu pe baza unor date furnizate de alte b\u0103nci, de alte fintech-uri, de actori din zona de e-commerce, de telecom, riscul de fraud\u0103 ar fi diminuat \u0219i nivelul de prognoz\u0103 financiar\u0103 ar fi mult mai bun.<\/p>\n

Deci, sunt multe oportunit\u0103\u021bi \u00een care pot fi dezvoltate parteneriate win-win, b\u0103nci-fintech-uri, se pare c\u0103 se \u00eent\u00e2mpl\u0103 deja lucrul acesta, at\u00e2t \u00een zone de dezvoltare de platforme online de creditare \u0219i inclusiv \u00een zona de intermediere, de brokeraj pentru credite digitale \u0219i cu preluarea administr\u0103rii procesului de subscriere de c\u0103tre fintech-ul respectiv p\u00e2n\u0103 la momentul punerii la dispozi\u021bia finan\u021b\u0103rii de c\u0103tre banc\u0103.<\/p>\n

Discutam la \u00eenceput despre educa\u021bia digital\u0103, o component\u0103 important\u0103. Ce face ARB pentru a \u00eembun\u0103t\u0103\u021bi aceast\u0103 educa\u021bie digital\u0103 inclusiv a celor care lucreaz\u0103 \u00een sistem, c\u0103 poate \u0219i acolo este o problem\u0103?<\/em><\/strong><\/p>\n

Ioana Regenbogen:<\/strong> Este foarte important\u0103 educa\u021bia digital\u0103, noi spunem c\u0103 este ca un scut de protec\u021bie \u00eempotriva acestor atacuri cibernetice. Trebuie s\u0103 fie un proces continuu, nu poate fi un one-off pentru c\u0103 acest fenomen al atacurilor cibernetice nu este unul care se epuizeaz\u0103. Se reinventeaz\u0103, se transform\u0103, ia via\u021b\u0103 sub diverse forme.<\/p>\n

ARB are mai multe campanii pe care le deruleaz\u0103 \u00eempreun\u0103 cu Poli\u021bia Rom\u00e2n\u0103, cu Directoratul Na\u021bional de Securitate Cibernetic\u0103, mai nou \u0219i cu Microsoft. \u0218i am lansat \u00eenc\u0103 de anul trecut o campanie numit\u0103 Siguran\u021ba online. Exist\u0103 \u0219i un site – sigurantaonline.ro<\/a>, unde sunt postate informa\u021bii foarte utile \u0219i foarte accesibile legate de fraude care se \u00eent\u00e2mpl\u0103 prin intermediul platformelor de comer\u021b electronic, phishing \u0219i alte forme de fraude online.<\/p>\n

Cea de-a doua etap\u0103 a acestei campanii are drept scop prevenirea fenomenului de \u201emoney mule\u201d – c\u0103r\u0103u\u0219 de bani. Practic, acest money mule sau procesul de recrutare al acestor c\u0103r\u0103u\u0219i se desf\u0103\u0219oar\u0103 online prin anun\u021buri foarte atractive de angajare, pe re\u021bele sociale, se ofer\u0103 ni\u0219te locuri de munc\u0103 foarte profitabile \u0219i persoanele respective sunt practic convinse \u0219i instruite, s\u0103 transfere banii primi\u021bi \u00een conturile lor, c\u0103tre alte persoane, de regul\u0103 \u00een str\u0103in\u0103tate \u0219i primesc \u00een schimb un comision. Iar ace\u0219ti bani nu sunt legitimi, legali. \u0218i aceasta este tema acestei etape a campaniei \u201eSiguran\u021ba online\u201d \u0219i sunt bine\u00een\u021beles \u0219i programe de educa\u021bie digital\u0103 \u0219i financiar\u0103 ini\u021biate de b\u0103nci la nivel individual.<\/p>\n

Credem \u00eens\u0103 c\u0103 trebuie s\u0103 facem \u00een continuare eforturi pentru a face aceast\u0103 educa\u021bie digital\u0103 mai atr\u0103g\u0103toare. Nim\u0103nui nu \u00eei place s\u0103 aplice to\u021bi pa\u0219ii obligatorii pentru a se autentifica \u00eentr-o aplica\u021bie, pentru a autoriza o plat\u0103, s\u0103 introduci coduri etc, dar sunt necesare, ne protejeaz\u0103 \u0219i ca atare trebuie s\u0103 fim mai aten\u021bi, s\u0103 fim informa\u021bi pentru c\u0103 de restul ne ocup\u0103m noi.<\/p>\n

Sursa: https:\/\/economie.hotnews.ro\/stiri-finante_banci-25588794-video-interviu-ioana-regenbogen-asociatia-romana-bancilor-legislatia-privind-semnaturile-electronice-bate-pasul-loc-educatia-digitala-scut-impotriva-atacurilor-cibernetice.htm<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Ioana Regenbogen, Vicepre\u0219edinte al Comisiei Juridice, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, HotNews \u2013 30 mai 2022<\/p>","protected":false},"author":5,"featured_media":3423941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3063290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - 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-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Ioana Regenbogen, Vicepre\u0219edinte al Comisiei Juridice, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, HotNews \u2013 30 mai 2022\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-30T14:12:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-21T19:24:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/Ioana-Regenbogen-2_square-1_16x9.png\" \/>\n\t<meta property=\"og:image:width\" content=\"178\" \/>\n\t<meta property=\"og:image:height\" content=\"100\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"RABVB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RABVB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \\\/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice\",\"datePublished\":\"2022-05-30T14:12:41+00:00\",\"dateModified\":\"2023-12-21T19:24:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/\"},\"wordCount\":2414,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ioana-Regenbogen-2_square-1_16x9.png\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/\",\"name\":\"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \\\/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ioana-Regenbogen-2_square-1_16x9.png\",\"datePublished\":\"2022-05-30T14:12:41+00:00\",\"dateModified\":\"2023-12-21T19:24:49+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ioana-Regenbogen-2_square-1_16x9.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ioana-Regenbogen-2_square-1_16x9.png\",\"width\":178,\"height\":100,\"caption\":\"ffffff\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \\\/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\",\"name\":\"RABVB\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"caption\":\"RABVB\"},\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/author\\\/vlad\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","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:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/","og_locale":"en_US","og_type":"article","og_title":"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Ioana Regenbogen, Vicepre\u0219edinte al Comisiei Juridice, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, HotNews \u2013 30 mai 2022","og_url":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2022-05-30T14:12:41+00:00","article_modified_time":"2023-12-21T19:24:49+00:00","og_image":[{"width":178,"height":100,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ioana-Regenbogen-2_square-1_16x9.png","type":"image\/png"}],"author":"RABVB","twitter_card":"summary_large_image","twitter_misc":{"Written by":"RABVB","Est. reading time":"12 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/"},"author":{"name":"RABVB","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f"},"headline":"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice","datePublished":"2022-05-30T14:12:41+00:00","dateModified":"2023-12-21T19:24:49+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/"},"wordCount":2414,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ioana-Regenbogen-2_square-1_16x9.png","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/","url":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/","name":"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ioana-Regenbogen-2_square-1_16x9.png","datePublished":"2022-05-30T14:12:41+00:00","dateModified":"2023-12-21T19:24:49+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ioana-Regenbogen-2_square-1_16x9.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ioana-Regenbogen-2_square-1_16x9.png","width":178,"height":100,"caption":"ffffff"},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/en\/arb-talks-ioana-regenbogen-arb-legislatia-privind-semnaturile-electronice-bate-pasul-pe-loc-educatia-digitala-un-scut-impotriva-atacurilor-cibernetice\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"ARB Talks, Ioana Regenbogen, ARB: Legisla\u021bia privind semn\u0103turile electronice bate pasul pe loc \/ Educa\u021bia digital\u0103, un scut \u00eempotriva atacurilor cibernetice"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f","name":"RABVB","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","caption":"RABVB"},"url":"https:\/\/www.arb.ro\/en\/author\/vlad\/"}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3063290","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=3063290"}],"version-history":[{"count":0,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3063290\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media\/3423941"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3063290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=3063290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=3063290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}