{"id":3684922,"date":"2025-06-20T21:58:49","date_gmt":"2025-06-20T18:58:49","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3684922"},"modified":"2025-06-20T22:09:44","modified_gmt":"2025-06-20T19:09:44","slug":"trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/","title":{"rendered":"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile"},"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\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

Ramona Rusu, pre\u0219edintele Comisiei Antifraud\u0103 din cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), avertizeaz\u0103 c\u0103 fraudele bancare au devenit tot mai sofisticate, infractorii folosind inclusiv aplica\u021bii de control de la distan\u021b\u0103 \u0219i inteligen\u021b\u0103 artificial\u0103 pentru a p\u0103c\u0103li clien\u021bii b\u0103ncilor. Printre cele mai periculoase metode se num\u0103r\u0103 fraudele prin WhatsApp, investi\u021biile false promovate \u00een social media, dar \u0219i deepfake-urile cu figuri publice.<\/strong><\/p>

Prin aceste metode, infractorii ajung s\u0103 aib\u0103 acces complet la aplica\u021biile de mobile banking ale victimelor \u0219i chiar s\u0103 contracteze credite \u00een numele acestora, cu autoriza\u021bii valide. Rusu subliniaz\u0103 c\u0103 \u201efraudatorii \u021bin pasul cu tehnologia<\/em>\u201d \u0219i c\u0103 singura protec\u021bie real\u0103 r\u0103m\u00e2ne vigilen\u021ba utilizatorilor.<\/p>

\u201e(…) Tehnicile sunt utilizate ast\u0103zi nu numai pentru crearea de oportunit\u0103\u021bi la nivel de business, ci \u0219i de fraude. Astfel c\u0103, ast\u0103zi, vorbim despre tipologii de fraude de tip phishing, furtul de date, vorbim despre spoofing, impersonarea num\u0103rului de telefon, numerele de telefon apar\u021bin\u00e2nd fie institu\u021biilor bancare, fie diverselor autorit\u0103\u021bi publice. \u00cen acela\u0219i timp, vorbim \u0219i despre tipologia de fraud\u0103 pe WhatsApp. Infractorii, clar, \u021bin pasul cu tehnologia, metodele de fraud\u0103, de asemenea<\/em>\u201d, a declarat Ramona Rusu, pre\u0219edinte Comisia Antifraud\u0103 ARB, la emisiunea Profit Live – SMEs Talk, difuzat\u0103 de Prima News.<\/p>

\u00cen cazul WhatsApp, metodele de fraud\u0103 s-au rafinat semnificativ. Ramona Rusu a explicat c\u0103 printr-un apel aparent inofensiv, victima este determinat\u0103 s\u0103 ofere un cod de verificare. Acest cod permite accesul la agenda telefonic\u0103, iar de aici \u00eencepe o escaladare a riscurilor.<\/p>

\u201eFrauda pe WhatsApp clar c\u0103 este o tipologie nou\u0103. Cum se \u00eent\u00e2mpl\u0103? Prime\u0219ti un apel prin care \u021bi se solicit\u0103 s\u0103 furnizezi un cod de verificare. Astfel, furniz\u00e2nd acel cod, practic tu dai acces la agenda telefonic\u0103. Odat\u0103 ce ai dat acces la agenda telefonic\u0103, tipologia de fraud\u0103 este urm\u0103toarea: se transmit tuturor celor pe care tu \u00eei ai \u00een agenda telefonic\u0103 mesaje de tipul \u2018am nevoie de o sum\u0103 de bani\u2019, \u2018m\u0103 aflu \u00eentr-o situa\u021bie de urgen\u021b\u0103\u2019, sau se trimite un mesaj \u00een care te \u00eentreab\u0103 dac\u0103 ai transmis un SMS cu un anumit link. Acel link, de fapt, nu ajunge la persoana din agend\u0103, ci con\u021bine o redirec\u021bionare prin care se faciliteaz\u0103 transmiterea unei sume de bani<\/em>\u201d, a explicat Rusu.<\/p>

Aceast\u0103 metod\u0103 creeaz\u0103 o \u00een\u0219el\u0103ciune \u00een lan\u021b, \u00een care \u00eencrederea dintre contactele din agenda telefonic\u0103 este exploatat\u0103 de infractori pentru a continua frauda. De multe ori, mesajele par a veni de la prieteni sau rude, ceea ce reduce vigilen\u021ba victimelor.<\/p>

Tot mai frecvente sunt \u0219i fraudele pe investi\u021bii, \u00een special cele care imit\u0103 anun\u021buri de list\u0103ri bursiere. \u00cen aceste cazuri, atacatorii creeaz\u0103 campanii false \u00een social media, imit\u00e2nd perfect comunic\u0103rile oficiale ale unor institu\u021bii publice sau companii cunoscute.<\/p>

\u201eFrauda pe investi\u021bii este asociat\u0103 direct cu diverse anun\u021buri care apar \u00een spa\u021biul public, cu privire la listarea unor ac\u021biuni pe burs\u0103, din care tu ai posibilitatea s\u0103 achizi\u021bionezi. Cre\u00e2ndu-\u021bi aceast\u0103 conexiune \u2013 \u201euite, a anun\u021bat o institu\u021bie public\u0103 foarte cunoscut\u0103 c\u0103 pot achizi\u021biona ac\u021biuni la institu\u021bia respectiv\u0103\u201d \u2013 automat fraudatorii inventeaz\u0103 aceast\u0103 tipologie de fraud\u0103, \u00een sensul c\u0103 sunt postate pe site-urile de socializare foarte multe anun\u021buri de genul \u2018po\u021bi cump\u0103ra ac\u021biuni u\u0219or\u2019, fie prin transferul unor sume de bani, dar \u00een egal\u0103 m\u0103sur\u0103 \u2013 \u0219i aici intervine tehnologia \u2013 \u2018\u00ee\u021bi putem acorda suportul tehnic pentru a accesa acele aplica\u021bii care asigur\u0103 tranzac\u021bionarea ac\u021biunilor pe burs\u0103\u2019<\/em>\u201d, a explicat Ramona Rusu.<\/p>

\u00cen aceste scenarii, utilizatorii sunt convin\u0219i s\u0103 instaleze aplica\u021bii de tip remote access, precum AnyDesk sau TeamViewer. Sub pretextul unei asisten\u021be tehnice, infractorii preiau astfel controlul complet asupra telefonului victimei.<\/p>

\u201eAceast\u0103 aplica\u021bie care \u021bi se solicit\u0103 s\u0103 fie instalat\u0103 pe telefonul mobil este o aplica\u021bie Remote Control. Preia controlul telefonului \u0219i astfel, automat, preia \u0219i accesul la aplica\u021biile pe care le ai instalate pe telefon. \u00cen cazul celor bancare, vorbim despre aplica\u021bia de mobile banking. Odat\u0103 ce a preluat controlul telefonului, fraudatorul \u00ee\u0219i activeaz\u0103\u00a0practic\u00a0aplica\u021bia de mobile banking pe telefonul personal cu datele pe care banca le transmite pe num\u0103rul t\u0103u de telefon pentru aceast\u0103 opera\u021biune<\/em>\u201d, a spus reprezentanta ARB.<\/p>

\u00centr-un scenariu des \u00eent\u00e2lnit, victima este determinat\u0103 s\u0103 trimit\u0103 poza cardului bancar, o copie a actului de identitate \u0219i s\u0103 ofere toate informa\u021biile necesare pentru accesul \u00een aplica\u021bia bancar\u0103. \u00cen paralel, toate SMS-urile \u0219i notific\u0103rile trimise de banc\u0103 ajung \u00een m\u00e2inile fraudatorilor prin aplica\u021bia de control instalat\u0103.<\/p>

\u201eTitularul, prin intermediul acelei aplica\u021bii de remote control, a dat acces la telefonul personal \u0219i, odat\u0103 d\u00e2nd acces la telefon personal, toate codurile de autorizare, inclusiv la nivel de tranzac\u021bii, fiind transmise de c\u0103tre institu\u021bia bancar\u0103 pe num\u0103rul de telefon pe care clientul l-a declarat \u00een rela\u021bia cu banca, fraudatorul are acces la aceste date. \u0218i astfel ajunge practic s\u0103 fie ordonate tranzac\u021bii autorizate, cu utilizarea codurilor de autorizare pe care numai titularul trebuie s\u0103 le cunoasc\u0103 \u0219i s\u0103 nu le furnizeze, fiind astfel tranzac\u021biile autorizate<\/em>\u201d, a explicat Rusu.<\/p>

Ramona Rusu a avertizat c\u0103, \u00een multe dintre aceste cazuri, infractorii pot chiar contracta credite \u00een numele victimelor, utiliz\u00e2nd toate informa\u021biile transmise voluntar de clien\u021bi, \u00een contextul unei false tranzac\u021bii financiare.<\/p>

\u201eFraudatorul poate s\u0103 ordone toate tranzac\u021biile pe care titularul de drept le poate efectua: transferuri bancare, transferuri \u00eentre conturile proprii, fie c\u0103 vorbim despre utilizarea cardului inclusiv cu pl\u0103\u021bi, utilizarea cardului pentru pl\u0103\u021bi la comercian\u021bi \u0219i, \u00een egal\u0103 m\u0103sur\u0103, dac\u0103 aplica\u021bia bancar\u0103 are ca produs contractarea de credit, inclusiv posibilitatea de a contracta un credit \u00een numele titularului<\/em>\u201d, a precizat ea.<\/p>

\u00cen ceea ce prive\u0219te utilizarea inteligen\u021bei artificiale, Rusu subliniaz\u0103 c\u0103 aceasta deja contribuie la cre\u0219terea gradului de sofisticare al fraudelor.<\/p>

\u201eE clar c\u0103 \u00ee\u0219i spune cuv\u00e2ntul \u0219i la nivelul acestor tipologii de fraud\u0103. Vorbim despre deepfake. \u00cen spa\u021biul public au ap\u0103rut numeroase \u00eenregistr\u0103ri \u00een care persoane publice, de la reprezentan\u021bi ai guvernului p\u00e2n\u0103 la reprezentan\u021bi ai b\u0103ncii na\u021bionale, ap\u0103reau \u0219i spuneau c\u0103 a ap\u0103rut o nou\u0103 investi\u021bie. Achizi\u021biona\u021bi ac\u021biuni \u00een valoare de…<\/em>\u201d, a ar\u0103tat ea.<\/p>

Aceast\u0103 nou\u0103 form\u0103 de manipulare prin imagine \u0219i voce ridic\u0103 \u00eengrijor\u0103ri serioase \u00een ceea ce prive\u0219te \u00eencrederea \u00een informa\u021biile din mediul online.<\/p>

Ramona Rusu atrage aten\u021bia c\u0103 prevenirea fraudei r\u0103m\u00e2ne, \u00een primul r\u00e2nd, o chestiune de responsabilitate individual\u0103. Fiecare utilizator trebuie s\u0103 fie extrem de atent la modul \u00een care \u00ee\u0219i gestioneaz\u0103 datele personale \u0219i bancare, mai ales \u00een interac\u021biunea cu tehnologia care face posibil\u0103 ob\u021binerea instant\u0103 a unor servicii financiare.<\/p>

\u201eTrebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Din p\u0103cate, transmiterea unui volum foarte mare de informa\u021bii ne face s\u0103 nu mai acord\u0103m aten\u021bia necesar\u0103 citirii mesajelor pe care le primim, fie c\u0103 vorbim de mesaje primite pe e-mail sau pe telefon. Deci, ceea ce conteaz\u0103 foarte mult este modul \u00een care noi p\u0103str\u0103m confiden\u021bialitatea datelor, iar pe de alt\u0103 parte, aten\u021bia sporit\u0103 necesar\u0103 atunci c\u00e2nd primim mesaje care conduc la obligativitatea de a furniza anumite date<\/em>\u201d, mai spune aceasta.<\/p>

Ramona Rusu mai precizeaz\u0103 \u0219i c\u0103 banca niciodat\u0103 nu o s\u0103 solicite codurile de acces la aplica\u021biile mobile sau interne banking sau num\u0103rul integral al cardului, num\u0103rul de pe spatele cardului \u0219i codurile autorizare pentru efectuarea de tranzac\u021bii.<\/p>

\u201eNici o institu\u021bie bancar\u0103 nu solicit\u0103 a\u0219a ceva. \u00cen momentul \u00een care primim un astfel de SMS sau un astfel de mesaj, este bine s\u0103 nu acces\u0103m link-ul, iar \u00een cazul \u00een care am accesat link-ul \u0219i am introdus datele bancare, trebuie imediat s\u0103 contact\u0103m institu\u021bia bancar\u0103, astfel \u00eenc\u00e2t, \u00een situa\u021bia \u00een care este o fraud\u0103, s\u0103 anun\u021b\u0103m imediat c\u0103 s\u0103 poat\u0103 bloca toate produsele pe care noi le de\u021binem la institu\u021bia respectiv\u0103.<\/em><\/p>

Dar, \u00een egal\u0103 m\u0103sur\u0103, pentru a nu deveni victime ale fraudatorilor, trebuie s\u0103 ne lu\u0103m r\u0103gazul de a citi toate mesajele care ne solicit\u0103 introducerea de date bancare, date personale. Dac\u0103 primim un mesaj care pare c\u0103 vine de la institu\u021bia bancar\u0103 \u0219i spune \u2018S-a efectuat o tranzac\u021bie neautorizat\u0103 pe contul t\u0103u. Acceseaz\u0103 acest link\u2019. Nu acces\u0103m acel link.<\/em><\/p>

Acces\u0103m site-ul institu\u021biei bancare la care noi avem produse, vedem num\u0103rul de telefon, sun\u0103m \u0219i spunem despre mesajul pe care l-am primit, astfel \u00eenc\u00e2t s\u0103 ne asigur\u0103m c\u0103 acel mesaj este unul real. Ne-am asigurat c\u0103 nu am furnizat datele personale, datele bancare, pentru c\u0103 aceast\u0103 fraudare are drept consecin\u021b\u0103 accesul la aplica\u021bia bancar\u0103, accesul la datele pe care noi s\u0103 fim frauda\u021bi, practic, av\u00e2nd un prejudiciu\u201d<\/em>, aten\u021bioneaz\u0103 reprezentanta ARB.<\/p>

La nivelul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, adaug\u0103 ea, se desf\u0103\u0219oar\u0103 campanii permanente de con\u0219tientizare, de informare cu privire la tipologiile de fraud\u0103.<\/p>

\u201eAsocia\u021bia Rom\u00e2n\u0103 de B\u0103ncilor are un proiect na\u021bional \u00eempreun\u0103 cu Directoratul Na\u021bional de Securitate Cibernetic\u0103 \u0219i Poli\u021bia Rom\u00e2n\u0103 – siguran\u021baonline.ro – o campanie care ne asigur\u0103 ca \u0219i informa\u021bii real-time \u00een ceea ce prive\u0219te tipologiile de fraud\u0103, con\u021bine sfaturi, recomand\u0103ri, cum s\u0103 prevenim, cum s\u0103 nu devenim victime ale fraudatorilor, dar \u00een egal\u0103 m\u0103sur\u0103 se organizeaz\u0103 foarte des conferin\u021be, inform\u0103ri, ie\u0219iri \u00een spa\u021biul media, cu ceea ce \u00eenseamn\u0103 aceste tipologii de fraud\u0103 \u0219i cum s\u0103 ne prevenim cu privire la aceste tipologie<\/em>\u201d, subliniaz\u0103 Ramona Rusu.<\/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

Profit.ro TV<\/span><\/p>

Sursa: click 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":3684921,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3684922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nTrebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile - 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\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile - 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\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-20T18:58:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-20T19:09:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/Ramona-Rusu-Profit.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"771\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile\",\"datePublished\":\"2025-06-20T18:58:49+00:00\",\"dateModified\":\"2025-06-20T19:09:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/\"},\"wordCount\":1679,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ramona-Rusu-Profit.jpg\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/\",\"name\":\"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ramona-Rusu-Profit.jpg\",\"datePublished\":\"2025-06-20T18:58:49+00:00\",\"dateModified\":\"2025-06-20T19:09:44+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ramona-Rusu-Profit.jpg\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/Ramona-Rusu-Profit.jpg\",\"width\":771,\"height\":427},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile\"}]},{\"@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":"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile - 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\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/","og_locale":"en_US","og_type":"article","og_title":"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile - 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\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2025-06-20T18:58:49+00:00","article_modified_time":"2025-06-20T19:09:44+00:00","og_image":[{"width":771,"height":427,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ramona-Rusu-Profit.jpg","type":"image\/jpeg"}],"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\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/"},"author":{"name":"RABVB","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f"},"headline":"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile","datePublished":"2025-06-20T18:58:49+00:00","dateModified":"2025-06-20T19:09:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/"},"wordCount":1679,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ramona-Rusu-Profit.jpg","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/","url":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/","name":"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ramona-Rusu-Profit.jpg","datePublished":"2025-06-20T18:58:49+00:00","dateModified":"2025-06-20T19:09:44+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ramona-Rusu-Profit.jpg","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/Ramona-Rusu-Profit.jpg","width":771,"height":427},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/en\/trebuie-sa-fim-foarte-responsabili-atunci-cand-utilizam-produsele-si-serviciile-bancare-ce-nu-vor-solicita-niciodata-bancile\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"Trebuie s\u0103 fim foarte responsabili atunci c\u00e2nd utiliz\u0103m produsele \u0219i serviciile bancare. Ce nu vor solicita niciodat\u0103 b\u0103ncile"}]},{"@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\/3684922","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=3684922"}],"version-history":[{"count":15,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3684922\/revisions"}],"predecessor-version":[{"id":3684947,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3684922\/revisions\/3684947"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media\/3684921"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3684922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=3684922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=3684922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}