{"id":19315,"date":"2022-12-07T13:36:38","date_gmt":"2022-12-07T11:36:38","guid":{"rendered":"https:\/\/www.gpec.ro\/blog\/?p=19315"},"modified":"2022-12-08T09:08:47","modified_gmt":"2022-12-08T07:08:47","slug":"cum-ajuta-open-banking-ul-tranzactiile-in-ecommerce","status":"publish","type":"post","link":"https:\/\/www.gpec.ro\/blog\/cum-ajuta-open-banking-ul-tranzactiile-in-ecommerce","title":{"rendered":"Cum ajut\u0103 Open-banking-ul tranzac\u021biile \u00een eCommerce"},"content":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><div class=\"fb-like fb-like-button_count\" data-href=\"https:\/\/www.gpec.ro\/blog\/cum-ajuta-open-banking-ul-tranzactiile-in-ecommerce\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>\u00cen cel mai recent GPeC Live difuzat \u00een cadrul <a href=\"https:\/\/www.facebook.com\/groups\/1712401335770035\">Comunit\u0103\u021bii GPeC<\/a>, Andrei Radu a stat de vorba cu <a href=\"https:\/\/www.linkedin.com\/in\/alice-anghelea-3321882\/\">Alice Anghelea<\/a> de la <a href=\"https:\/\/www.smartfintech.eu\/\">Smart Fintech<\/a>, despre ce \u00eenseamn\u0103 Open Banking \u0219i cum ajut\u0103 tranzac\u021biile din e-commerce.<br \/>\n<!--more--><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-19317\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2-300x169.png\" alt=\"\" width=\"591\" height=\"333\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2-300x169.png 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2-1024x576.png 1024w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2-768x432.png 768w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2-1536x864.png 1536w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2-1360x765.png 1360w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080-2.png 1920w\" sizes=\"auto, (max-width: 591px) 100vw, 591px\" \/><\/p>\n<p>Un dialog foarte activ \u0219i plin de informa\u021bii noi privind tehnologia \u0219i inova\u021bia pe partea de pl\u0103ti &amp; tranzac\u021bii &#8211; tehnologie care aduce beneficii at\u00e2t pentru utilizatori c\u00e2t \u0219i pentru comercian\u021bi. Sumariz\u0103m, mai jos, ideile principale ale discu\u021biei:<\/p>\n<ul>\n<li>Open banking este o ini\u021biativ\u0103 a Comisiei Europene (un mediu reglementat) care are ca scop facilitarea pl\u0103\u021bilor online \u0219i a le face mai sigure (\u00eembun\u0103t\u0103\u021be\u0219te protec\u021bia consumatorilor la plata online \u0219i stimuleaz\u0103competi\u021bia \u0219i inova\u021bia)<\/li>\n<li>Open bankingul ofer\u0103 o experien\u021b\u0103 de plat\u0103 mai bun\u0103 pentru utilizatori &#8211; <span style=\"font-weight: 400;\">ini\u021bierea pl\u0103\u021bii online direct din contul bancar al consumatorului \u00een contul b\u0103ncii comerciantului. F\u0103r\u0103 card, f\u0103r\u0103 procesatori de plat\u0103 care s\u0103 intermedieze procesul.<\/span><\/li>\n<li>Pl\u0103\u021bile f\u0103cute prin open banking sunt comisionate \u00een general la pl\u0103titor, \u00eens\u0103 lucrurile sunt \u00een schimbare continu\u0103 \u00een aceast\u0103 zon\u0103 (dar comisionul apare doar la tranzac\u021bii \u00eentre b\u0103nci diferite)<\/li>\n<li>La ini\u021bierea pl\u0103\u021bii &#8211; open bankingul faciliteaz\u0103 utilizarea serviciilor de online banking prin listarea tuturor b\u0103ncilor acoperite de solutia de plata din care clientul, la check-out, \u00ee\u0219i alege banca la care are cont &amp; ini\u021biaz\u0103 plata direct, <span style=\"font-weight: 400;\">din magazinul online<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><span style=\"font-weight: 400;\">\u0219i o autorizeaz\u0103 \u00een banca sa \u00een care este transportat automat al\u0103turi de toate detaliile pl\u0103\u021bii <\/span>&#8211; cresc\u00e2nd rapiditatea opera\u021biunii de plata<\/li>\n<li>Open bankingul stimuleaz\u0103 plata <span style=\"font-weight: 400;\">f\u0103r\u0103 card, <\/span><span style=\"font-weight: 400;\">mai ales la clien\u021bii care sunt sceptici \u00een a-\u0219i expune datele de card online<\/span><\/li>\n<li>Din momentul autoriz\u0103rii pl\u0103\u021bii \u00een Open banking, furnizorul trimite c\u0103tre comerciant statusul pl\u0103\u021bii, instant &#8211; astfel nu exist\u0103 delay-uri \u00een \u00eencasare sau \u00een preg\u0103tirea \u0219i livr\u0103rii comenzii<\/li>\n<li>Open Banking ofer\u0103 \u0219i posibilitatea de informare asupra situa\u021biei conturilor \u00een platforma comerciantului &#8211; practic centralizeaz\u0103 toate platformele b\u0103ncilor la care comerciantul de\u021bine conturi (f\u0103r\u0103 a mai fi necesar\u0103 logarea \u00een fiecare platforma de online banking a fiec\u0103rei b\u0103nci)<\/li>\n<li>Solu\u021biile de open banking vor ajunge s\u0103 fie implementate \u0219i \u00een platformele SAAS de e-commerce<\/li>\n<li>Pentru integrarea open banking \u00een magazinele online se pot folosi ori plug-in-uri, ori API-uri\u00a0 &#8211; astfel \u00eenc\u00e2t s\u0103 fie u\u0219or de utilizat indiferent de dimensiunea magazinului sau fara ca acesta\u00a0s\u0103 depind\u0103 de existen\u021ba unei echipe tehnice<\/li>\n<li><span style=\"font-weight: 400;\">Legat de disponibilitatea API-urilor b\u0103ncilor, echipa de implementare a dezvoltat un mecanism de monitorizare a performan\u021bei serviciilor API pe care le ofer\u0103 b\u0103ncile din Rom\u00e2nia: SmartPG (Payment Gateway) Monitor, care \u00een momentul de fa\u021b\u0103 este utilizat \u0219i de c\u0103tre BNR<\/span><\/li>\n<li>Comercian\u021bii vor avea costuri mai mici dac\u0103 implementeaz\u0103 open banking vs plata online prin card<\/li>\n<li>Exist\u0103 2 variante de plat\u0103 oferite de Smart Fintech &#8211; pay as you go (pentru comercian\u021bii care au tranzac\u021bii sezoniere, nu sunt constante) sau abonament (unde taxa nu depinde de valoare tranzac\u021biilor ci doar de volum)<\/li>\n<li>Prin PSD2 (directiva de pl\u0103\u021bi electronice) orice banc\u0103 care are servicii de online banking este obligat\u0103 s\u0103 \u00eentre \u0219i \u00een sistem open banking<\/li>\n<li><span style=\"font-weight: 400;\">Smart Fintech acoper\u0103 cele mai mari 12 b\u0103nci din Rom\u00e2nia, <\/span><span style=\"font-weight: 400;\">conectarea la b\u0103nci fiind f\u0103cut\u0103 prin API-uri, folosind la baz\u0103 o platforma IBM (ApiConnect)<\/span><\/li>\n<li>Pe zona de pl\u0103\u021bi \u00een rate sau am\u00e2nare de pl\u0103ti (BNPL), open bankingul include informarea comerciantului (instant\u0103 \u0219i continu\u0103) asupra conturilor clientului (cu acordul acestuia) \u0219i evaluarea eligibilit\u0103\u021bii<\/li>\n<li>Versiunea 3 a PSD va veni cu func\u021bionalit\u0103\u021bi noi a open bankingului cum ar fi plata fix\u0103 sau plata \u00een rate, astfel \u00eenc\u00e2t consumatorii vor putea ini\u021bia pl\u0103ti viitoare prin open banking at\u00e2t cu o sum\u0103 fix\u0103 c\u00e2t \u0219i variabil\u0103<\/li>\n<\/ul>\n<p class=\"font_2\"><a href=\"https:\/\/www.smartfintech.eu\/\">Smart Fintech<\/a> este primul furnizor ter\u021b de Open Banking autorizat de BNR \u00een Rom\u00e2nia.<\/p>\n<p>GPeC Live este o serie de discu\u021bii online via ZOOM, cu reprezentan\u021bi ai diverselor companii din zona de e-commerce: magazine, procesatori de pl\u0103\u021bi, furnizori de servicii \u0219i tehnologie etc, discu\u021bii care pot fi urm\u0103rite live \u00een cadrul <a href=\"https:\/\/www.facebook.com\/groups\/1712401335770035\">Comunit\u0103\u021bii GPeC<\/a>, \u00een care v\u0103 invit\u0103m s\u0103 v\u0103 al\u0103tura\u021bi.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><div class=\"fb-like fb-like-button_count\" data-href=\"https:\/\/www.gpec.ro\/blog\/cum-ajuta-open-banking-ul-tranzactiile-in-ecommerce\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>\u00cen cel mai recent GPeC Live difuzat \u00een cadrul Comunit\u0103\u021bii GPeC, Andrei Radu a stat de vorba cu Alice Anghelea de la Smart Fintech, despre ce \u00eenseamn\u0103 Open Banking \u0219i cum ajut\u0103 tranzac\u021biile din e-commerce.<\/p>\n","protected":false},"author":40,"featured_media":19317,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3887,56],"tags":[],"class_list":["post-19315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parteneri-gpec","category-resurse-e-commerce"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19315","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/comments?post=19315"}],"version-history":[{"count":3,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19315\/revisions"}],"predecessor-version":[{"id":19320,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19315\/revisions\/19320"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media\/19317"}],"wp:attachment":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media?parent=19315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/categories?post=19315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/tags?post=19315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}