{"id":3683796,"date":"2024-12-05T11:31:35","date_gmt":"2024-12-05T09:31:35","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3683796"},"modified":"2024-12-05T17:21:19","modified_gmt":"2024-12-05T15:21:19","slug":"adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/","title":{"rendered":"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis?"},"content":{"rendered":"
\n\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Adrian Tom\u0103\u0219escu, pre\u0219edinte Comisia de Carduri \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), spune, la Profit.ro TV, c\u0103 pia\u021ba cardurilor arat\u0103 promi\u021b\u0103tor anul acesta, estim\u00e2nd c\u0103 va dep\u0103\u0219i peste 22 de milioane de carduri existente la nivel na\u021bional.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\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
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

\u00a0Adrian Tom\u0103\u0219escu, pre\u0219edinte Comisia de Carduri \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), spune, la Profit.ro TV, c\u0103 pia\u021ba cardurilor arat\u0103 promi\u021b\u0103tor anul acesta, estim\u00e2nd c\u0103 va dep\u0103\u0219i peste 22 de milioane de carduri existente la nivel na\u021bional.
\u201cEste o pia\u021b\u0103 dinamic\u0103. Sigur, noi nu avem o istorie foarte \u00eendelungat\u0103, a\u0219a cum au alte \u021b\u0103ri din Europa de Vest vis-a-vis de utilizarea acestor mijloace de plat\u0103, \u00eens\u0103 ceea ce s-a \u00eent\u00e2mplat \u00een ultimii ani arat\u0103 c\u0103 totu\u0219i rom\u00e2nii sunt \u00eenc\u00e2nta\u021bi. Vedem o evolu\u021bie destul de spectaculoas\u0103 \u00een circula\u021bie. De exemplu, anul \u0103sta cu siguran\u021b\u0103 vom dep\u0103\u0219i 22 de milioane de carduri, ceea ce este un num\u0103r impresionant. Practic, dep\u0103\u0219im popula\u021bia Rom\u00e2niei. La fel \u0219i din punct de vedere al tranzac\u021bion\u0103rii. Vedem din ce \u00een ce mai multe volume tranzac\u021bionate prin intermediul cardurilor. Sunt dou\u0103 canale prin care clien\u021bii pot utiliza cardurile, at\u00e2t face-to-face, c\u00e2t \u0219i \u00een mediul online. Vedem \u00een ultimii ani o cre\u0219tere important\u0103 a cump\u0103r\u0103turilor, a tranzac\u021biilor clien\u021bilor care se duc c\u0103tre tranzac\u021bii POS, ceea ce este iar\u0103\u0219i un lucru bun<\/em>\u201d, afirm\u0103 acesta.
Rom\u00e2nia este \u00eenc\u0103 o pia\u021b\u0103 a cash-ului, adaug\u0103 el, dar datele statistice arat\u0103 promi\u021b\u0103tor. Anul acesta, propor\u021bia tranzac\u021biilor efectuate la POS va fi mai mare dec\u00e2t a celor efectuate la ATM din punct de vedere al volumului. \u201cAvem o cre\u0219tere anual\u0103 \u00een jur de 20% tranzac\u021bii POS. Un alt element \u00eembucur\u0103tor este gradul de penetrare a POS-urilor la nivel na\u021bional. Anul acesta probabil vom dep\u0103\u0219i 500.000 de POS-uri. Dar \u00eenc\u0103 suntem undeva spre coada clasamentului la num\u0103rul de POS-uri pe 1.000 de locuitori. Cred c\u0103 suntem undeva la 1.000 \u0219i ceva de POS-uri la mia de locuitori. Una din cauze este aceast\u0103 diferen\u021b\u0103 \u00eentre mediul urban \u0219i rural. Zona urban\u0103 \u0219i urbanul mare \u00een general au fost \u00eenc\u0103 de acum mai bine de 10 ani destul de bine acoperite de POS-uri. Au urmat zonele urban mediu, mic. Zona rural\u0103 \u00eentr-adev\u0103r a suferit \u0219i \u00eenc\u0103 sufer\u0103 din punctul \u0103sta de vedere. Pe de-o parte, cred c\u0103 au fost bariere legate de tehnologie, pentru c\u0103 trebuiau linii de comunica\u021bie, s\u0103 mearg\u0103 internetul, chiar \u0219i zona de costuri, pentru c\u0103 la \u00eenceput nu a fost o solu\u021bie at\u00e2t de accesibil\u0103<\/em>\u201d, mai spune Adrian Tom\u0103\u0219escu. \u00cen ceea ce prive\u0219te num\u0103rul de ATM-uri, acesta afirm\u0103 c\u0103 a cunoscut o stagnare.
\u201cNu mai vedem o cre\u0219tere a num\u0103rului de ATM-uri. \u00cen ultimii ani avem de la an la an sc\u0103deri u\u0219oare, deci cumva am r\u0103mas la o zon\u0103 destul de liniar\u0103 vis-a-vis de num\u0103rul de ATM-uri<\/em>\u201d, precizeaz\u0103 pre\u0219edintele Comisiei de Carduri din cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor.<\/p>

Din cele peste 22 de milioane de carduri la nivel na\u021bional, circa 2-3 milioane sunt de credit, iar restul de debit. \u201cCardul de debit vine ca o necesitate \u00een ceea ce prive\u0219te deschiderea unui cont, \u00eencasarea salariului \u0219i utilizarea fondurilor din salariu, pensii, aloca\u021bii. De aceea, cardul de debit a fost \u00eentotdeauna cumva instrumentul care a devenit indispensabil dac\u0103 vorbim din punct de vedere al mijloacelor de plat\u0103\u201d, mai spune acesta. Cardul de credit, continu\u0103 el, este un produs destul de complex, pe care \u201cnu toat\u0103 lumea \u00eel percepe ca fiind u\u0219or de utilizat, pentru c\u0103 are anumite specificit\u0103\u021bi \u0219i de aici probabil c\u0103 nici dinamica acestei pie\u021be nu a fost at\u00e2t de accentuat\u0103 precum la cardul de debit\u201d. \u201cCu cardul de debit ne utiliz\u0103m fondurile proprii, ne gestion\u0103m bugetul a\u0219a cum credem mai bine de cuviin\u021b\u0103 s\u0103 o facem. Cardul de credit este un credit pus la dispozi\u021bie de c\u0103tre banc\u0103, pe care clien\u021bii ar trebui s\u0103 evalueze \u00een mod corect \u0219i con\u0219tient momentul la care este bine \u0219i util s\u0103-l foloseasc\u0103. La cardul de credit obliga\u021bia b\u0103ncilor este de a emite un extras lunar \u00een care eviden\u021biaz\u0103 obliga\u021biile pe care fiecare client le are. Majoritatea b\u0103ncilor care ofer\u0103 acest produs de card de credit ofer\u0103 rate f\u0103r\u0103 dob\u00e2nd\u0103. Trebuie s\u0103 fim aten\u021bi dac\u0103 \u00eentr-adev\u0103r avem nevoie de cash \u0219i dorim s\u0103 utiliz\u0103m cardul de credit, pentru c\u0103 este un cost care curge din prima zi \u0219i trebuie s\u0103 fim con\u0219tien\u021bi de lucrul \u0103sta. Deci nu \u00eencuraj\u0103m utilizarea cardului de credit pentru retrageri lunare dec\u00e2t \u00een situa\u021bii urgente<\/em>\u201d, explic\u0103 Adrian Tom\u0103\u0219escu, care estimeaz\u0103 c\u0103 num\u0103rul de carduri puse \u00een circula\u021bie va continua s\u0103 creasc\u0103 \u0219i anul acesta cu circa 5%, \u00een timp ce cre\u0219terea tranzac\u021bion\u0103rii va cre\u0219te cu cel pu\u021bin 20%.
\u201cNe a\u0219tept\u0103m la o cre\u0219tere \u00een zona de commerce care s-a dezvoltat puternic \u00een ultimii ani, par\u021bial stimulat \u0219i de perioada pandemic\u0103, c\u00e2nd o bun\u0103 parte dintre noi ne-am \u00eendreptat c\u0103tre portofele digitale. Deci, \u00een zona asta va fi clar dinamica cea mai accentuat\u0103, zona de pl\u0103\u021bi digitale, zona de pl\u0103\u021bi e-commerce, unde cred c\u0103 probabil va fi peste 30% cumva cre\u0219terea de la an la an<\/em>\u201d, completeaz\u0103 Adrian Tom\u0103\u0219escu. Pre\u0219edintele Comisiei de Carduri din cadrul ARB mai spune \u0219i c\u0103 utilizarea cardurilor, \u00een principal, este \u201cfoarte sigur\u0103<\/em>\u201d, b\u0103ncile av\u00e2nd sisteme prin care se asigur\u0103 de men\u021binerea integrit\u0103\u021bii tuturor tranzac\u021biilor. \u201cAvem o rat\u0103 a fraudei cred c\u0103 printre cele mai mici din Europa. La nivel european, cred c\u0103 este undeva de 10 ori mai mai mare dec\u00e2t rata fraudei pe care o avem noi aici<\/em>\u201d, subliniaz\u0103 el.
\u00cens\u0103, \u00een cazul \u00een care cardul a fost compromis, el recomand\u0103 utilizatorilor s\u0103 anun\u021be banca \u00een cel mai scurt timp posibil, pentru a fi blocat. \u201cA\u0219 spune c\u0103 acum vulnerabilit\u0103\u021bile cele mai mari sunt \u00een mediul online. Fiecare banc\u0103 are \u00eens\u0103 sisteme prin care cumva se asigur\u0103 de men\u021binerea integrit\u0103\u021bii tuturor tranzac\u021biilor, deci practic se realizeaz\u0103 o monitorizare tranzac\u021bional\u0103 pentru a se asigura c\u0103 lucrurile nu ies din tiparele cunoscute vis-a-vis de comportamentul pe care fiecare client \u00eel are<\/em>\u201d, precizeaz\u0103 acesta. Dac\u0103 cardul a fost compromis, atunci banca \u00eencepe ni\u0219te demersuri \u0219i, \u00een m\u0103sura posibilit\u0103\u021bilor, \u00eencearc\u0103 s\u0103 recupereze acei bani prin canalele bancare. \u201cDac\u0103 clientul cu bun\u0103 \u0219tiin\u021b\u0103 a furnizat toate parolele, toate informa\u021biile necesare, c\u00e2teodat\u0103 este destul de greu s\u0103-\u0219i recupereze banii, dar at\u00e2ta timp c\u00e2t nu furnizeaz\u0103 aceste informa\u021bii, atunci protec\u021bia este de 100%. Exist\u0103 ni\u0219te scenarii de fraud\u0103 pe care fiecare banc\u0103 le are cumva implementate \u00een sisteme. Ele se bazeaz\u0103 \u00een primul r\u00e2nd pe un istoric, deci practic, dac\u0103 a v\u0103zut un anumit model c\u0103 se \u00eent\u00e2mpl\u0103 tranzac\u021bii \u00eentr-o moned\u0103 sau o \u021bar\u0103 exotic\u0103 care nu s-au mai \u00eent\u00e2mplat sau e pu\u021bin probabil s\u0103 se \u00eent\u00e2mple, atunci acela poate s\u0103 fie un scenariu sau ni\u0219te sume consecutive de o anumit\u0103 valoare sau utilizare a unui anumit comerciant pentru a testa eventual anterior valabilitatea unui card. Toate aceste tipuri de opera\u021biuni se transform\u0103 \u00een ni\u0219te scene, ele sunt blocate \u00eenc\u0103 din start<\/em>\u201d, mai spune acesta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Sursa: aici<\/a><\/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":"

Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA – SUPLIMENT EDUCA\u021aIA \u2013 13 septembrie 2022<\/p>","protected":false},"author":5,"featured_media":3683795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3683796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nAdrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis? - 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\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis? - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA - SUPLIMENT EDUCA\u021aIA \u2013 13 septembrie 2022\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-05T09:31:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-05T15:21:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/AT-profit.png\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"406\" \/>\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\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis?\",\"datePublished\":\"2024-12-05T09:31:35+00:00\",\"dateModified\":\"2024-12-05T15:21:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/\"},\"wordCount\":1309,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/AT-profit.png\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/\",\"name\":\"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis? - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/AT-profit.png\",\"datePublished\":\"2024-12-05T09:31:35+00:00\",\"dateModified\":\"2024-12-05T15:21:19+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/AT-profit.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/AT-profit.png\",\"width\":770,\"height\":406},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis?\"}]},{\"@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":"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis? - 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\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/","og_locale":"en_US","og_type":"article","og_title":"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis? - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Gabriela Folcu\u021b, Director Executiv Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, BURSA - SUPLIMENT EDUCA\u021aIA \u2013 13 septembrie 2022","og_url":"https:\/\/www.arb.ro\/en\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2024-12-05T09:31:35+00:00","article_modified_time":"2024-12-05T15:21:19+00:00","og_image":[{"width":770,"height":406,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/AT-profit.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\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/"},"author":{"name":"RABVB","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f"},"headline":"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis?","datePublished":"2024-12-05T09:31:35+00:00","dateModified":"2024-12-05T15:21:19+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/"},"wordCount":1309,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/AT-profit.png","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/","url":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/","name":"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis? - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/AT-profit.png","datePublished":"2024-12-05T09:31:35+00:00","dateModified":"2024-12-05T15:21:19+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/AT-profit.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/AT-profit.png","width":770,"height":406},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/adrian-tomasescu-arb-vom-depasi-500-000-de-pos-uri-insa-nu-vedem-o-crestere-a-numarului-de-atm-ce-se-intampla-daca-un-card-a-fost-compromis\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"Adrian Tom\u0103\u0219escu, ARB: Vom dep\u0103\u0219i 500.000 de POS-uri, \u00eens\u0103 nu vedem o cre\u0219tere a num\u0103rului de ATM. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 un card a fost compromis?"}]},{"@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\/3683796","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=3683796"}],"version-history":[{"count":0,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3683796\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media\/3683795"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3683796"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=3683796"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=3683796"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}