{"id":19360,"date":"2022-12-15T15:52:43","date_gmt":"2022-12-15T13:52:43","guid":{"rendered":"https:\/\/www.gpec.ro\/blog\/?p=19360"},"modified":"2022-12-15T16:00:46","modified_gmt":"2022-12-15T14:00:46","slug":"gpec-live-metode-de-plata-alternative-bnpl","status":"publish","type":"post","link":"https:\/\/www.gpec.ro\/blog\/gpec-live-metode-de-plata-alternative-bnpl","title":{"rendered":"GPeC Live &#8211; Metode de plat\u0103 alternative (BNPL)"},"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\/gpec-live-metode-de-plata-alternative-bnpl\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>Buy Now Pay Later (BNPL) pare a fi buzz-wordul perioadei pe care o travers\u0103m &#8211; o alternativ\u0103 util\u0103 at\u00e2t pentru magazinele online c\u00e2t \u0219i pentru clien\u021bi. \u00cen cel mai recent GPeC Live, Andrei Radu a stat de vorba cu Ionu\u021b Sabadac &#8211; VP Merchant Solution tbi bank despre cum func\u021bioneaz\u0103 aceste metode, care sunt avantajele pentru comercian\u021bi, c\u00e2t de r\u0103sp\u00e2ndit\u0103 e implementarea acestor solu\u021bii la nivelul magazinelor online \u0219i c\u00e2t de dificil\u0103 este integrarea acestor metode de plat\u0103 \u00een site-urile sau platformele de e-commerce<!--more--><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-19361\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac-300x169.png\" alt=\"\" width=\"540\" height=\"304\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac-300x169.png 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac-1024x576.png 1024w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac-768x432.png 768w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac-1536x864.png 1536w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac-1360x765.png 1360w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2022\/12\/gpec_1920x1080__Ionut\u0326-Sabadac.png 1920w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/><\/p>\n<p>C\u00e2teva idei principale extrase legate de BNPL:<\/p>\n<ul>\n<li>tbi Bank este prezent\u0103 pe pia\u021ba\u00a0din Rom\u00e2nia de aprox 20 de ani, \u00eencep\u00e2nd ca institu\u021bie financiar\u0103 \u0219i transform\u00e2ndu-se \u00een digital finaincial instituion &#8211; furniz\u00e2nd servicii financiare digitale<\/li>\n<li>Institu\u021bia ofer\u0103 at\u00e2t servicii pentru e-commerce c\u00e2t \u0219i pentru retailul fizic prin intermediul departamentului de Merchant Solutions<\/li>\n<li>\u00cen portofoliul tbi Bank sunt momentan 5355 de comercian\u021bi &#8211; o dezvoltare substan\u021bial\u0103 a portofoliului \u00een ultimul an &#8211; din toate industriile \u0219i av\u00e2nd parteneri de toate dimensiunile, indiferent de serviciile \u0219i produsele comercializate sau de valoarea produselor<\/li>\n<li>\u00cen perioada Noiembrie &#8211; decembrie (incluziv Black Friday) a crescut num\u0103rul de tranzac\u021bii online<\/li>\n<li>Utilizarea solu\u021biei BNPL a crescut substan\u021bial &#8211; \u00eenregistr\u00e2nd\u00a0o\u00a0cre\u0219tere de 3 cifre \u00een cadrul tbi &#8211; at\u00e2t datorit\u0103 cre\u0219terii bazei de parteneri care au implementat aceast\u0103 solu\u021bie c\u00e2t \u0219i datorit\u0103 ratei de adop\u021bie a acestei metode de plat\u0103 \u00een r\u00e2ndul utilizatorilor<\/li>\n<li>Exist\u0103 2 variante ale produsului BNPL &#8211; Short (4 rate f\u0103r\u0103 dob\u00e2nda, pentru co\u0219ul de cump\u0103r\u0103turi de valoare mai mic\u0103, p\u00e2n\u0103 \u00een 1000 lei) \u0219i Long (p\u00e2n\u0103 \u00een 5 ani, cu dob\u00e2nda \u0219i pentru un co\u0219 maxim de 6000 lei)<\/li>\n<li>Integrarea solu\u021biei tbi se poate face at\u00e2t prin API (ptr platforme custom-made) c\u00e2t \u0219i tip plug-\u00een &#8211; fiind integrat\u0103 cu majoritatea platformelor de e-commerce. Totodat\u0103 &#8211; pentru v\u00e2nzarea consultativ\u0103 de produse \u0219i servicii customizate (atunci c\u00e2nd nu exist\u0103 check-out) exist\u0103 \u0219i optiuniea pay-by-link<\/li>\n<li>Promovarea solu\u021biei de plat\u0103 este recomandat s\u0103 fie f\u0103cut\u0103 de comercian\u021bi pe tot parcursul customer &#8211; journey &#8211; din homepage p\u00e2n\u0103 la check-out.<\/li>\n<li>Beneficiile la nivelul comercian\u021bilor: diversificarea modalit\u0103\u021bilor de plat\u0103, cre\u0219terea valorii co\u0219ului de consum, cre\u0219terea ratei de conversie, diminuarea ponderii folosirii cash on delivery, accesul la baza de clien\u021bi existen\u021bi tbi &#8211; prin newsletter-ul\u00a0\u00een care se comunic\u0103\u00a0atat partenerii cat\u00a0\u0219i campaniile acestora.<\/li>\n<\/ul>\n<p>Mai multe informa\u021bii legate de implementare &amp; motive de diferen\u021biere fa\u021b\u0103 de alte solu\u021bii de plata g\u0103si\u021bi \u00een \u00eenregistrarea care poate fi urm\u0103rit\u0103\u00a0<a href=\"https:\/\/www.facebook.com\/713519046\/videos\/551633433098408\/\">aici<\/a>.<\/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\/gpec-live-metode-de-plata-alternative-bnpl\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>Buy Now Pay Later (BNPL) pare a fi buzz-wordul perioadei pe care o travers\u0103m &#8211; o alternativ\u0103 util\u0103 at\u00e2t pentru magazinele online c\u00e2t \u0219i pentru clien\u021bi. \u00cen cel mai recent GPeC Live, Andrei Radu a stat de vorba cu Ionu\u021b Sabadac &#8211; VP Merchant Solution tbi bank despre cum func\u021bioneaz\u0103 aceste metode, care sunt avantajele pentru comercian\u021bi, c\u00e2t de r\u0103sp\u00e2ndit\u0103 e implementarea acestor solu\u021bii la nivelul magazinelor online \u0219i c\u00e2t de dificil\u0103 este integrarea acestor metode de plat\u0103 \u00een site-urile sau platformele de e-commerce<\/p>\n","protected":false},"author":40,"featured_media":19361,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3941],"tags":[3875,739,3961,3959],"class_list":["post-19360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gpeclive","tag-bnpl","tag-ecommerce","tag-solutii-de-plata-alternativa","tag-tbi-bank"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19360","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=19360"}],"version-history":[{"count":3,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19360\/revisions"}],"predecessor-version":[{"id":19364,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19360\/revisions\/19364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media\/19361"}],"wp:attachment":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media?parent=19360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/categories?post=19360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/tags?post=19360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}