{"id":3218011,"date":"2022-07-18T15:00:43","date_gmt":"2022-07-18T12:00:43","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3218011"},"modified":"2023-12-21T21:06:14","modified_gmt":"2023-12-21T19:06:14","slug":"smes-talk-luminita-soitu-arb-gradul-mic-de-bancarizare-si-lipsa-de-educatie-financiara-la-nivelul-romaniei-franeaza-digitalizarea-in-domeniul-platilor","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-luminita-soitu-arb-gradul-mic-de-bancarizare-si-lipsa-de-educatie-financiara-la-nivelul-romaniei-franeaza-digitalizarea-in-domeniul-platilor\/","title":{"rendered":"SMEs Talk Lumini\u021ba \u0218oitu, ARB: Gradul mic de bancarizare \u0219i lipsa de educa\u021bie financiar\u0103 la nivelul Rom\u00e2niei fr\u00e2neaz\u0103 digitalizarea \u00een domeniul pl\u0103\u021bilor - only in romanian"},"content":{"rendered":"<p style=\"text-align: justify;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-3070410 size-full\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2.jpg\" alt=\"\" width=\"970\" height=\"250\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2.jpg 970w, https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2-300x77.jpg 300w, https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-970x250-V2-768x198.jpg 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-3218682 size-full\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/LS-ProfitNews.png\" alt=\"\" width=\"771\" height=\"427\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/LS-ProfitNews.png 771w, https:\/\/www.arb.ro\/wp-content\/uploads\/LS-ProfitNews-300x166.png 300w, https:\/\/www.arb.ro\/wp-content\/uploads\/LS-ProfitNews-768x425.png 768w\" sizes=\"(max-width: 771px) 100vw, 771px\" \/><\/p>\n<p style=\"text-align: justify;\"><strong>Gradul mic de bancarizare \u0219i lipsa de educa\u021bie financiar\u0103 la nivelul Rom\u00e2niei fr\u00e2neaz\u0103 digitalizarea \u00een domeniul pl\u0103\u021bilor, a afirmat, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Lumini\u021ba \u0218oitu, pre\u0219edinte Comisia pentru decont\u0103ri \u0219i opera\u021biuni \u00een lei, \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB). \u00cens\u0103, \u00een ultimii doi ani, digitalizarea pl\u0103\u021bilor a crescut totu\u0219i \u00eentr-un mod accelerat, \u00een principal pe fondul pandemiei.<\/strong><\/p>\n<p style=\"text-align: justify;\">\u201e<em>Eforturile autorit\u0103\u021bilor at\u00e2t la nivel european, c\u00e2t \u0219i la nivelul \u021b\u0103rii sunt pentru emiterea de acte legislative care s\u0103 reduc\u0103 numerarul din circula\u021bie \u0219i s\u0103 descurajeze folosirea acestuia, aduc\u00e2nd consumatorilor \u00een acela\u0219i timp produse alternative, u\u0219or de folosit, care s\u0103 le satisfac\u0103 cerin\u021bele. <\/em><\/p>\n<p style=\"text-align: justify;\"><em>Facem eforturi pentru a cre\u0219te nivelul de educa\u021bie financiar\u0103 al consumatorilor. Suntem o \u021bar\u0103 fost\u0103 comunist\u0103, iar obi\u0219nuin\u021ba omului este s\u0103 foloseasc\u0103 cash-ul. Au senza\u021bia c\u0103 dac\u0103 folose\u0219ti numerarul este mai facil \u0219i o siguran\u021b\u0103. Dar de fapt numerarul este foarte costisitor, implic\u0103 efort mare \u00een procesare, la care se adaug\u0103 \u0219i costuri ridicate \u0219i, de aceea, sistemul bancar din Rom\u00e2nia vine \u00een \u00eent\u00e2mpinarea clien\u021bilor cu produse inovative, alternative, tocmai pentru a diminua \u0219i numerarul<\/em>\u201d, a spus Lumini\u021ba \u0218oitu.<\/p>\n<p style=\"text-align: justify;\">Ea adaug\u0103 c\u0103 \u0219i legisla\u021bia \u00een domeniu impune plafoane zilnice \u00een ceea ce prive\u0219te utilizarea numerarului. Companiile spre exemplu nu pot s\u0103ri peste o anumit\u0103 sum\u0103, tocmai pentru a fi \u00eencurajate s\u0103 foloseasc\u0103 mijloacele alternative.<\/p>\n<p style=\"text-align: justify;\">\u201e<em>Din p\u0103cate, \u00eenc\u0103 mai avem de lucru, ca \u0219i multe alte \u021b\u0103ri din Europa. Trendul s\u0103 sper\u0103m c\u0103 va fi descendent \u00een folosirea numerarului pentru c\u0103 nu numai comunitatea bancar\u0103, ci \u0219i to\u021bi juc\u0103torii ter\u021bi de servicii de plat\u0103 aduc c\u0103tre clien\u021bi modalit\u0103\u021bi alternative de pl\u0103\u021bi, solu\u021bii inovative pentru descurajarea folosirii numerarului. S\u0103 speram c\u0103 \u0219i noi ca \u021bar\u0103 o s\u0103 ne \u00eenscriem \u00een trendul \u0103sta de descurajarea \u0219i chiar s\u0103 vedem diminuarea folosirii numerarului. B\u0103ncile fac efort \u00een descurajare. Sunt b\u0103nci care \u0219i-au eliminat ghi\u0219eele fizic, \u0219i folosesc doar servicii digitale. Asta face parte \u0219i dintr-un proces de educare a clientului<\/em>\u201d, mai spune aceasta.<\/p>\n<p style=\"text-align: justify;\">Digitalizarea serviciilor de plat\u0103 au fost accentuate \u0219i de pandemie. \u00cen cadrul anumitor b\u0103nci, pl\u0103\u021bile electronice au crescut cu aproape 50% fa\u021b\u0103 de anii anteriori.<\/p>\n<p style=\"text-align: justify;\">\u201e<em>Clien\u021bii sunt mul\u021bumi\u021bi pentru c\u0103 se bucur\u0103 de beneficiile digitaliz\u0103rii, eficientizeaz\u0103 timpul, rapiditate \u0219i simplitate \u00een folosire. Toate aceste beneficii sunt dublate de siguran\u021ba crescut\u0103 \u00een efectuarea pl\u0103\u021bilor online. Trendul este pe o pant\u0103 ascendent\u0103, continu\u0103 s\u0103 creasc\u0103 pentru toate categoriile de clien\u021bi din Rom\u00e2nia. Pandemia a fost un factor accelerator \u00een realizarea obiectivelor propuse pentru digitalizarea pl\u0103\u021bilor<\/em>\u201d, afirm\u0103 ea.<\/p>\n<p style=\"text-align: justify;\">Odat\u0103 cu digitalizarea tot mai mare a serviciilor de plat\u0103, cresc \u00eens\u0103 \u0219i riscurile \u00een ceea ce prive\u0219te atacurile cibernetice, b\u0103ncile \u0219i companiile care activeaz\u0103 \u00een domeniul pl\u0103\u021bilor online fiind direct responsabile de datele \u0219i banii clien\u021bilor.<\/p>\n<p style=\"text-align: justify;\">\u201e<em>B\u0103ncile \u0219i toate companiile care ofer\u0103 servicii de plat\u0103 au responsabilitatea disponibilului clien\u021bilor \u0219i a integrit\u0103\u021bii datelor acestora. Sunt obliga\u021bi de legisla\u021bia na\u021bional\u0103 \u0219i interna\u021bional\u0103 s\u0103 adopte m\u0103suri de securitate pentru combaterea oric\u0103ror bre\u0219e de securitate. Sunt regulamentele europene \u0219i na\u021bionale ale BNR care impun m\u0103suri de securitate prin upgradarea sistemelor informatice, prin efectuarea testelor de penetrare. Banca face periodic teste pentru a pre\u00eent\u00e2mpina orice bre\u0219\u0103 de securitate, pentru a vedea orice punct sensibil pe lan\u021bul de plat\u0103. Clien\u021bii nu trebuie s\u0103-\u0219i fac\u0103 griji din punctul \u0103sta de vedere. Se fac eforturi \u00een permanen\u021b\u0103 pentru oprirea acestor atacuri. Riscurile sunt tot mai diminuate<\/em>\u201d, mai precizeaz\u0103 aceasta.<\/p>\n<p style=\"text-align: justify;\">\u00cen ultimii ani, odat\u0103 cu revizuirea directivei europene privind sistemele de pl\u0103\u021bi, a fost introdus conceptul de open banking, din care principalul beneficiar este clientul.<\/p>\n<p style=\"text-align: justify;\">\u201e<em>Practic, b\u0103ncile \u0219i-au deschis por\u021bile pentru a folosi datele utilizate \u0219i de al\u021bi juc\u0103tori bancari. Aceasta deschidere a dus la o inova\u021bie pentru sistemul bancar \u0219i pentru to\u021bi participan\u021bii din perspectiva produselor \u0219i serviciilor bancare. Standardele impuse de c\u0103tre clien\u021bi sunt tot mai ridicate. Aplica\u021biile de pl\u0103\u021bi disponibile oferite de b\u0103nci \u0219i de prestatorii de servicii de plat\u0103 ofer\u0103 clientului o experien\u021b\u0103 extrem de bun\u0103, un timp redus de utilizare, \u0219i concuren\u021ba din punct de vedere pl\u0103\u021bi nu a f\u0103cut dec\u00e2t s\u0103 fie \u00een beneficiul clientului, el fiind marele c\u00e2\u0219tig\u0103tor<\/em>\u201d, spune Lumini\u021ba \u0218oitu.<\/p>\n<p style=\"text-align: justify;\">Cea mai recent\u0103 modificare legislative cu impact \u00een ceea ce prive\u0219te pl\u0103\u021bile online este \u00een zona instrumentelor de debit, a cecurilor \u0219i biletelor de ordin.<\/p>\n<p style=\"text-align: justify;\">\u201e<em>Practic, legile din anul 1993 au fost \u00eembun\u0103t\u0103\u021bite, actualizate \u0219i noutatea acestora const\u0103 \u00een permiterea remiterii la \u00eencasare de c\u0103tre client a instrumentelor de debit \u00een format electronic. Clien\u021bii pot s\u0103 prezinte b\u0103ncilor la \u00eencasare aceste instrumente \u00eentr-un format electronic, pe un canal securizat. Ei sunt scuti\u021bi de a merge la ghi\u0219eul b\u0103ncilor. Dar se men\u021bine \u0219i prezentarea fizic\u0103 a instrumentelor de debit la ghi\u0219eu. Solicitarea de modificare s-a datorat chiar firmelor care au venit cu propunerea c\u0103tre b\u0103nci s\u0103 foloseasc\u0103 aceast\u0103 modalitate de prezentare<\/em>\u201d, explic\u0103 ea.<\/p>\n<p style=\"text-align: justify;\">Sursa: <a href=\"https:\/\/www.profit.ro\/profit-live\/video-profit-live-luminta-soitu-presedinte-comisia-decontari-operatiuni-lei-arb-gradul-mic-bancarizare-lipsa-educatie-financiara-nivelul-romaniei-franeaza-digitalizarea-domeniul-platilor-20779871\">aici<\/a><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-3071288\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg\" alt=\"\" width=\"300\" height=\"250\" \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Lumini\u021ba \u0218oitu, Pre\u0219edinte al Comisiei pentru decont\u0103ri \u0219i opera\u021biuni \u00een lei, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video Profit News \u2013 18 iulie 2022<\/p>","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3218011","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>SMEs Talk Lumini\u021ba \u0218oitu, ARB: Gradul mic de bancarizare \u0219i lipsa de educa\u021bie financiar\u0103 la nivelul Rom\u00e2niei fr\u00e2neaz\u0103 digitalizarea \u00een domeniul pl\u0103\u021bilor - 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\" 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