{"id":9522,"date":"2018-08-10T13:07:52","date_gmt":"2018-08-10T10:07:52","guid":{"rendered":"https:\/\/www.arb.ro\/?p=9522"},"modified":"2024-01-20T14:00:06","modified_gmt":"2024-01-20T12:00:06","slug":"premiera-bancara-in-curand-servicii-de-plata-instant","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/premiera-bancara-in-curand-servicii-de-plata-instant\/","title":{"rendered":"PREMIER\u0102 BANCAR\u0102 \u2013 \u00cen cur\u00e2nd, servicii de plat\u0103 instant - only in romanian"},"content":{"rendered":"
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\u00cen acest al doilea semestru al anului \u00een curs, la o dat\u0103 ce va fi agreat\u0103 cu b\u0103ncile participante la teste, va deveni opera\u021bional \u00een Rom\u00e2nia sistemul \u201ePl\u0103\u021bi instant\u201d. Astfel, b\u0103ncile respective vor avea posibilitatea de a livra clien\u021bilor lor, persoane fizice sau juridice, servicii de plat\u0103 24\/7\/365, \u00eentr-un interval de timp de maximum 10 secunde, \u00eentr-un mediu pe deplin securizat. Suma maxim\u0103 admis\u0103 pentru astfel de pl\u0103\u021bi va fi de 49.999,99 lei.<\/p>

Societatea de Transfer de Fonduri \u0219i Decont\u0103ri – TRANSFOND a ini\u021biat \u00een 2016 consult\u0103ri cu institu\u021biile de credit din Rom\u00e2nia privind demararea proiectului de dezvoltare a sistemului de \u201ePl\u0103\u021bi Instant\u201d, proiect de anvergur\u0103 na\u021bional\u0103 \u0219i cu conexiuni interna\u021bionale, ce va deveni \u00een cur\u00e2nd opera\u021bional.<\/p>

\u201ePl\u0103\u021bile \u201eInstant\u201d au voca\u021bia de a \u201cschimba jocul\u201d \u00eentr-o industrie \u00een care, de la apari\u021bia cardurilor \u00een urm\u0103 cu circa 60 de ani, tehnologia are un rol din ce \u00een ce mai important. Cele dou\u0103 atribute esen\u021biale ale pl\u0103\u021bilor instant sunt reprezentate de posibilitatea utilizatorilor finali(persoane fizice sau juridice) de a realiza pl\u0103\u021bi \u0219i \u00eencas\u0103ri 24\/7\/365, precum \u0219i de accesul imediat al beneficiarului la fondurile \u00eencasate (\u00een c\u00e2teva secunde). Contextul lans\u0103rii serviciului \u201ePl\u0103\u021bi Instant\u201d de c\u0103tre TRANSFOND este unul complex: pe de o parte, industria de pl\u0103\u021bi european\u0103 \u0219i global\u0103 se mi\u0219c\u0103 accelerat \u00eenspre standardul de pl\u0103\u021bi instant, incluz\u00e2nd at\u00e2t b\u0103ncile \u0219i furnizorii de servicii de plat\u0103 (PSP) tradi\u021bionali, c\u00e2t \u0219i FinTech-urile, iar pe de alt\u0103 parte, pia\u021ba local\u0103 de pl\u0103\u021bi este, comparativ cu restul Uniunii Europene, ultima la categoria de pl\u0103\u021bi electronice per locuitor, ceea ce indic\u0103 un deficit masiv de educa\u021bie \u0219i de practic\u0103 financiar\u0103, manifestat at\u00e2t la nivelul consumatorilor individuali c\u00e2t \u0219i la cel al utilizatorilor institu\u021bionali de servicii de pl\u0103\u021bi. Acest decalaj existent \u00een gradul de utilizare a pl\u0103\u021bilor electronice \u00een Rom\u00e2nia fa\u021b\u0103 de \u021b\u0103rile europene poate fi atenuat inclusiv prin adoptarea pl\u0103\u021bilor instant ca alternativ\u0103 la plata cu numerar. Aliniat\u0103 de la bun \u00eenceput tendin\u021belor generale descrise, strategia de dezvoltare a TRANSFOND \u00ee\u0219i propune substituirea \u00een viitor, la o dat\u0103 ce va fi agreat\u0103 \u00eempreun\u0103 cu sectorul bancar local, a ordinelor de plat\u0103 de tip SEPA implementate \u00een prezent, cu ordinele de plat\u0103 instant\u201d, declar\u0103 pentru revista noastr\u0103 Sabin Carantin\u0103, Director General, TRANSFOND.<\/p>

Pe parcursul proiectului, TRANSFOND a colaborat cu BNR (care a avizat Regulile de sistem ale Casei de Compensare Automat\u0103 ce includ \u0219i Pl\u0103\u021bile Instant), precum \u0219i cu Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB) – Administrator al Schemelor Na\u021bionale de Pl\u0103\u021bi, \u00een cadrul c\u0103reia \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea grupurile de lucru Pl\u0103\u021bi Instant.<\/p>

Din perspectiva mijloacelor de ini\u021biere \u0219i de recep\u021bie a unei pl\u0103\u021bi instant, mai spune sursa deja men\u021bionat\u0103, grupul utilizatorilor (reprezentat de persoane fizice \u0219i juridice) se poate diviza \u00een c\u00e2teva categorii de persoane: care vor folosi pl\u0103\u021bile instant din platforma de internet banking; care vor pl\u0103ti instant utiliz\u00e2nd dispozitive mobile (prin mobile banking sau alte aplica\u021bii); care vor ini\u021bia pl\u0103\u021bi instant la ghi\u0219eul tradi\u021bional al b\u0103ncii, \u00een cazul \u00een care aceasta va oferi \u0219i o astfel de op\u021biune. Segmentul persoanelor juridice care vor folosi \u201ePl\u0103\u021bile Instant\u201d se \u00eemparte, la r\u00e2ndul s\u0103u, \u00een trei mari categorii: companiile care vor pune la dispozi\u021bie \u201ePl\u0103\u021bile Instant\u201d c\u0103tre consumatorii finali, integr\u00e2nd serviciul \u00een platformele lor de interac\u021biune cu clien\u021bii (magazinele virtuale, retailerii, companiile de utilit\u0103\u021bi etc.); firmele de orice fel care vor utiliza \u201ePl\u0103\u021bile Instant\u201d pentru a ini\u021bia pl\u0103ti \u0219i a \u00eencasa contravaloarea facturilor proprii, inclusiv \u00een rela\u021biile cu alte business-uri; autorit\u0103\u021bile fiscale locale \u0219i centrale, care ar putea integra plata instant \u00een platformele de interac\u021biune cu contribuabilii. Saltul \u00eenainte fa\u021b\u0103 de timpul standard actual de executare a pl\u0103\u021bilor c\u0103tre orice tip de beneficiar, respectiv de la un num\u0103r de ore sau de zile de la remiterea ordinului de plat\u0103 de c\u0103tre pl\u0103titor\/cump\u0103r\u0103tor b\u0103ncii sale, la o executare cvasi-instantanee, este unul considerabil \u0219i are poten\u021bialul de a stimula performan\u021ba at\u00e2t \u00een cazul agen\u021bilor economici, c\u00e2t \u0219i al autorit\u0103\u021bilor care implementeaz\u0103 o astfel de capacitate de recep\u021bie a fondurilor.<\/p>

\u201e\u00cen acest moment, TRANSFOND a finalizat proiectul, urm\u00e2nd ca intrarea \u00een func\u021biune a serviciului s\u0103 aib\u0103 loc \u00een al doilea semestru al anului 2018, la o dat\u0103 ce va fi agreat\u0103 cu b\u0103ncile participante \u00een teste\u201d, anun\u021b\u0103 Sabin Carantin\u0103.<\/p>

Rela\u021bia cu b\u0103ncile <\/strong><\/p>

Opinia majorit\u0103\u021bii b\u0103ncilor \u0219i a institu\u021biilor nebancare este una favorabil\u0103 particip\u0103rii la Sistemul de Pl\u0103\u021bi Instant, fapt atestat de rezultatele recep\u021bionate la informarea comun\u0103 ARB \u2013 TRANSFOND, prin care s-a solicitat completarea \u0219i transmiterea unei scrisori de inten\u021bie privind aderarea la viitorul serviciu de pl\u0103\u021bi instant oferit de TRANSFOND \u00een cadrul sistemului SENT \u0219i la schema de plat\u0103 SCT Inst RON, ce va fi administrat\u0103 de Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor. Concluzia scrisorilor de inten\u021bie primite de la participan\u021bii la sistemul SENT indic\u0103 o confirmare a interesului furnizorilor de servicii de pl\u0103\u021bi, fie ace\u0219tia bancari sau nebancari, \u00een edificarea unei infrastructuri pentru pl\u0103\u021bi instant la orizontul anilor 2018 – 2019, informeaz\u0103 TRANSFOND. \u00cen scopul inform\u0103rii b\u0103ncilor participante la sistemul SENT, precum \u0219i pentru a cre\u0219te gradul de con\u0219tientizare \u0219i interes privind aceast\u0103 ini\u021biativ\u0103, TRANSFOND a transmis, pe tot parcursul proiectului, comunic\u0103ri \u0219i inform\u0103ri c\u0103tre conducerile b\u0103ncilor comerciale, c\u0103tre reprezentan\u021bii desemna\u021bi pentru dezvoltarea serviciului sau c\u0103tre Ministerul Finan\u021belor. \u00cen cadrul ARB, au fost organizate periodic \u00eent\u00e2lniri ale grupurilor de lucru \u201ePl\u0103\u021bi Instant\u201d pentru identificarea cerin\u021belor viitorilor participan\u021bi la sistem \u0219i \u201dcalibrarea\u201d serviciului \u00een concordan\u021b\u0103 cu acestea.<\/p>

\u201eLa nivelul comunit\u0103\u021bii bancare, apreciem c\u0103 un sistem de pl\u0103\u021bi instant \u00een lei este o dezvoltare absolut necesar\u0103 pentru un sistem de pl\u0103\u021bi performant, aliniat cu sistemele de pl\u0103\u021bi la nivel european, aduc\u00e2nd o serie de beneficii participan\u021bilor la sistemul de pl\u0103\u021bi \u0219i clien\u021bilor acestora. Este vorba de cre\u0219terea disponibilit\u0103\u021bii serviciului (24\/7) \u0219i a nivelului de performan\u021b\u0103 \u00een domeniu, a vitezei decont\u0103rii \u0219i circula\u021biei b\u0103ne\u0219ti, a num\u0103rului de tranzac\u021bii prin atragerea de volume dinspre pl\u0103\u021bile \u00een numerar, cec sau card, de fidelizarea bazei de clien\u021bi prin lansarea unui produs bancar cu atractivitate crescut\u0103, de colectarea mai eficient\u0103 a crean\u021belor la bugetul de stat. Reu\u0219ita acestui proiect are la baz\u0103 o colaborare foarte str\u00e2ns\u0103 \u00eentre TRANSFOND \u0219i ARB, \u00een calitatea sa de Administrator al Schemelor Na\u021bionale de Pl\u0103\u021bi, fiind necesar\u0103 adoptarea la nivelul comunit\u0103\u021bii bancare a unei Scheme de pl\u0103\u021bi instant \u00een lei, aplicabil\u0103 de toate b\u0103ncile care vor adera la aceast\u0103 Schem\u0103 \u0219i a c\u0103rei implementare va fi monitorizat\u0103 de ARB, al\u0103turi de Schemele na\u021bionale de pl\u0103\u021bi existente\u201d, spune Rodica Tuchil\u0103, Director Executiv, ARB.<\/p>

La data redact\u0103rii articolului de fa\u021b\u0103, nu am putut afla de la sursele consultate c\u00e2te b\u0103nci (\u0219i cu at\u00e2t mai pu\u021bin care anume) vor lansa \u00een premier\u0103 acest serviciu de pl\u0103\u021bi pe pia\u021ba local\u0103, singura informa\u021bie ob\u021binut\u0103 fiind aceea c\u0103 vor fi deopotriv\u0103 b\u0103nci mari dar \u0219i institu\u021bii de credit de talie mic\u0103, dispuse s\u0103 investeasc\u0103 \u00een sistemul informatic, \u00een tehnologie performant\u0103. O astfel de tehnologie avansat\u0103, \u00een pas cu timpul, va face pe viitor diferen\u021ba \u0219i pe pia\u021ba bancar\u0103 din Rom\u00e2nia. A\u0219adar, se va ascu\u021bi concuren\u021ba \u00eentre juc\u0103tori, \u00een beneficiul clien\u021bilor, care vor putea face pl\u0103\u021bi \u00eentr-un timp extrem de scurt. De asemenea, ne-ar fi interesat s\u0103 \u0219tim plaja de tarife pentru pl\u0103\u021bile instant, dac\u0103 acestea vor fi taxate suplimentar fa\u021b\u0103 de nivelul pl\u0103\u021bilor standard. Nici aceast\u0103 informa\u021bie nu a fost \u00eens\u0103 disponibil\u0103.<\/p>

Contextul european<\/strong><\/p>

De la proiecte ini\u021biate \u0219i derulate actualmente la nivel na\u021bional \u00een state dezvoltate de mari dimensiuni, precum cele din SUA \u0219i Australia, la sisteme deja lansate \u00een produc\u021bie \u00eentr-o serie de economii de mic\u0103 dimensiune, dar deschise, flexibile \u0219i foarte performante, precum Danemarca \u0219i Singapore, trec\u00e2nd prin zone unde deja pl\u0103\u021bile instant \u00een domeniul retail au o istorie consistent\u0103 (Japonia \u0219i Marea Britanie), serviciul \u201ePl\u0103\u021bi Instant\u201d are menirea s\u0103 \u00eenscrie Rom\u00e2nia \u00eentr-o tendin\u021b\u0103 ce se face sim\u021bit\u0103 pe tot globul. Se poate afirma faptul c\u0103 \u00een prezent, cel pu\u021bin \u00een Europa, sunt foarte pu\u021bine casele de compensare automat\u0103 care nu au lansat m\u0103car o analiz\u0103 de ini\u021biativ\u0103, dac\u0103 nu chiar un proiect de implementare a unui astfel de serviciu \u00een comunit\u0103\u021bile \u00een care \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea. \u00cen cele ce urmeaz\u0103, venim cu exemple de astfel de sisteme \u00een Europa.<\/p>

\u00cen Polonia, sistemul Express Elixir (av\u00e2nd ca operator al sistemului de pl\u0103\u021bi instant compania KIR), este un proiect ini\u021biat \u00een iulie 2011 \u0219i lansat \u00een produc\u021bie \u00een iunie 2012, pentru \u00eenceput cu doar trei b\u0103nci participante. Sistemul e disponibil 24\/7\/365 \u0219i de\u021bine o schem\u0103 de garantare prin rezerve (escrow) \u00een Sorbnet (RTGS), constituite de fiecare banc\u0103, pe baza estim\u0103rilor privind pl\u0103\u021bile propriilor clien\u021bilor. KIR are dreptul de a \u201dcompleta rezerva\u201d la nevoie. P\u00e2n\u0103 \u00een prezent, 12 b\u0103nci comerciale, 60 de b\u0103nci cooperatiste \u0219i banca central\u0103 au aderat la sistem, volumul de pl\u0103\u021bi instant procesat ajung\u00e2nd, \u020bn mai 2018, la peste 899.000 de tranzac\u021bii. O tranzac\u021bie este procesat\u0103 \u00een medie \u00een mai pu\u021bin de 3 secunde end-2-end. Conform declara\u021biilor reprezentan\u021bilor KIR, nivelul de inovare de care au dat dovad\u0103 b\u0103ncile poloneze participante \u00een formarea de produse bazate pe noua infrastructur\u0103 au dep\u0103\u0219it a\u0219tept\u0103rile, infrastructura de pl\u0103\u021bi rapide, combinat\u0103 cu inventivitatea b\u0103ncilor, gener\u00e2nd un instrument capabil s\u0103 conduc\u0103 la diminuarea num\u0103rului de tranzac\u021bii cash.<\/p>

Sistemului Faster Payments din Marea Britanie (operator Vocalink) este utilizat deopotriv\u0103 de consumatori persoane fizice, corpora\u021bii \u0219i autorit\u0103\u021bi, fiind disponibil \u00een regim 24\/7\/365, cu creditarea contului beneficiarului pl\u0103\u021bii \u00een c\u00e2teva secunde de la ini\u021bierea tranzac\u021biei. Decontarea are loc de 3 ori pe zi (\u00een zile bancare) \u0219i este garantat\u0103 prin schema de garantare comun\u0103 (loss sharing scheme). S-a constatat c\u0103 acest nou serviciu nu a \u201dcanibalizat\u201d din tranzac\u021biile sistemelor existente, ci a creat noi tranzac\u021bii (fiind asociat pl\u0103\u021bilor prin canalele netradi\u021bionale: telefon, mobile, internet). Sistemul ofer\u0103 baza de dezvoltare de noi produse pentru b\u0103nci \u0219i consumatori \u0219i de inovare, \u00een special pentru pl\u0103\u021bile mobile, pl\u0103\u021bi ce induc automat a\u0219teptarea unui serviciu cu prestare instantanee. Sistemul a procesat, \u00een luna iunie 2018, spre exemplu, peste 163 milioane de tranzac\u021bii.<\/p>

\u00cen \u021b\u0103rile nordice, consumatorii consider\u0103 c\u0103 pl\u0103\u021bile actuale trebuie s\u0103 fie instant, ca o comand\u0103 f\u0103cut\u0103 prin internet sau mobil. \u00cen cazul serviciului oferit de operatorul Nets \u020bn Danemarca, \u00een cadrul sistemului Real Time24\/7, decontarea \u00een conturile pl\u0103titorului\/beneficiarului se desf\u0103\u0219oar\u0103 \u00een mai pu\u021bin de o secund\u0103; decontarea interbancar\u0103 se execut\u0103 \u00een RTGS \u00een 6 sesiuni zilnice, numai \u00een zilele bancare, iar garantarea tranzac\u021biilor este prefinan\u021bat\u0103 printr-un mecanism de alocare dinamic\u0103 a lichidit\u0103\u021bilor necesare. De\u021bin\u0103torul schemei instant este Asocia\u021bia Bancar\u0103 Danez\u0103.<\/p>

Compania Bankgirot din Suedia a lansat, \u00een decembrie 2012, serviciul de pl\u0103\u021bi instant BIR, proces\u00e2nd tranzac\u021bii 24\/7\/365 \u00een maximum 2 secunde, account-2-account. \u00cen prezent, sistemul are ca participan\u021bi primele nou\u0103 b\u0103nci de pe pia\u021ba local\u0103. Pe aceea\u0219i platform\u0103 dezvoltat\u0103, compania a implementat mobile payments, ca o nou\u0103 direc\u021bie de business, ating\u00e2nd peste 35 milioane de tranzac\u021bii procesate \u00een luna iunie 2018.<\/p>

La sf\u00e2r\u0219itul lunii noiembrie 2017, Consiliul European al Pl\u0103\u021bilor a lansat Schema SEPA Credit Transfer Instant (SCT Inst) pentru pl\u0103\u021bi \u00een euro. Sistemul de procesare pentru pl\u0103\u021bi instant \u00een euro, dezvoltat de EBA Step2 a devenit opera\u021bional pentru 585 de furnizori de servicii de plat\u0103 din opt \u021b\u0103ri europene \u2013 Austria, Estonia, Germania, Italia, Letonia, Lituania, Olanda \u0219i Spania, la care s-au ad\u0103ugat ulterior \u0219i furnizori din alte state din zona SEPA, precum Belgia, Bulgaria, Fran\u021ba, Malta, Portugalia, Suedia \u0219i Marea Britanie, num\u0103rul total al furnizorilor de servicii de pl\u0103\u021bi instant \u00een euro fiind \u00een prezent de 1071, informeaz\u0103 ARB. Schema permite transferul electronic al banilor \u2013 \u00een prezent p\u00e2n\u0103 la 15.000 euro \u2013 \u00een \u00eentreaga Europ\u0103, \u00een mai pu\u021bin de zece secunde, \u00een orice moment \u0219i \u00een orice zi a anului, inclusiv \u00een weekend-uri \u0219i de s\u0103rb\u0103tori. Persoanele fizice, \u00eentreprinderile, corpora\u021biile \u0219i administra\u021biile pot efectua \u0219i primi transferuri credit instant \u00een euro, at\u00e2t la nivel na\u021bional, c\u00e2t \u0219i transfrontalier (\u00eencep\u00e2nd cu cele 15 \u021b\u0103ri), fondurile fiind disponibile imediat. Banca Central\u0103 European\u0103 este \u0219i ea preocupat\u0103 de pl\u0103\u021bile instant \u0219i a ini\u021biat proiectul Target Instant Payment Settlement (TIPS), \u00een timp ce SWIFT a lansat serviciul SWIFTNet Instant, proiectat s\u0103 func\u021bioneze oriunde \u00een Europa \u0219i \u00een lume, permi\u021b\u00e2nd membrilor s\u0103i s\u0103 se conecteze la mecanismele de compensare \u0219i decontare a pl\u0103\u021bilor imediate. A\u0219adar, \u0219i \u00een domeniul pl\u0103\u021bilor, lucrurile se mi\u0219c\u0103 \u00een lume extrem de rapid iar Rom\u00e2nia trebuie s\u0103 recupereze timpul pierdut.<\/p>

Coralia Popescu<\/p>

\u201eConcluzia scrisorilor de inten\u021bie primite de la participan\u021bii la sistemul SENT indic\u0103 o confirmare a interesului furnizorilor de servicii de pl\u0103\u021bi, fie ace\u0219tia bancari sau nebancari, \u00een edificarea unei infrastructuri pentru pl\u0103\u021bile instant la orizontul anilor 2018-2019. B\u0103ncile care inten\u021bioneaz\u0103 s\u0103 participe la sistemul Pl\u0103\u021bi Instant sunt, \u00een prezent, \u00een diverse stadii ale test\u0103rii aplica\u021biei (teste tehnice, de securitate \u0219i de continuitate) sau ale preg\u0103tirii core bankingului propriu pentru cerin\u021bele de vitez\u0103 (maximum 10 secunde pe tranzac\u021bie) \u0219i disponibilitate (24\/7), solicitate de func\u021bionarea pl\u0103\u021bilor instant. Echipa TRANSFOND este la dispozi\u021bia institu\u021biilor interesate pentru orice fel de detalii legate de proiect \u0219i \u00ee\u0219i manifest\u0103 \u00een continuare deschiderea pentru participarea la \u00eent\u00e2lniri bilaterale, de natur\u0103 s\u0103 sprijine echipele de proiect ale b\u0103ncilor \u00een clarificarea aspectelor de implementare\u201d.<\/em><\/p>

Sabin Carantin\u0103, Director General, TRANSFOND<\/p>

\u201eARB a semnat un Contract de licen\u021b\u0103 cu Consiliul European al Pl\u0103\u021bilor, de\u021bin\u0103torul Schemei de plat\u0103 SEPA Credit Transfer Instant (SCT Inst), pentru a utiliza aceast\u0103 Schem\u0103 la nivel na\u021bional, pentru pl\u0103\u021bile \u00een lei. Schema SCT Inst a fost adoptat\u0103 pentru pl\u0103\u021bile na\u021bionale \u00een lei \u2013 SCT Inst RON. Participarea la Schema SCT Inst RON va avea la baz\u0103 un proces de aderare, similar procesului de aderare derulat la nivel european. \u00cen prezent, la nivelul ARB, este \u00een curs de finalizare modificarea Conven\u021biei interbancare referitoare la Schemele na\u021bionale de pl\u0103\u021bi pentru includerea Schemei SCT Inst RON \u00een lista Schemelor na\u021bionale de pl\u0103\u021bi adoptate la nivelul comunit\u0103\u021bii bancare din Rom\u00e2nia\u201d. <\/em><\/p>

Rodica Tuchil\u0103, Director executiv, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Rodica Tuchil\u0103, Director Executiv Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor \u2013 Pia\u021ba Financiar\u0103, iulie-august 2018<\/p>","protected":false},"author":3,"featured_media":2646513,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-9522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nPREMIER\u0102 BANCAR\u0102 - \u00cen cur\u00e2nd, servicii de plat\u0103 instant - 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\/premiera-bancara-in-curand-servicii-de-plata-instant\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PREMIER\u0102 BANCAR\u0102 - 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