{"id":19564,"date":"2023-05-03T20:48:49","date_gmt":"2023-05-03T17:48:49","guid":{"rendered":"https:\/\/www.gpec.ro\/blog\/?p=19564"},"modified":"2024-01-16T15:13:47","modified_gmt":"2024-01-16T13:13:47","slug":"serviciul-de-initiere-de-plata-online-cont-la-cont-prin-open-banking-ce-este-si-cum-il-alegi","status":"publish","type":"post","link":"https:\/\/www.gpec.ro\/blog\/serviciul-de-initiere-de-plata-online-cont-la-cont-prin-open-banking-ce-este-si-cum-il-alegi","title":{"rendered":"Serviciul de ini\u021biere de plat\u0103 online cont la cont prin Open Banking &#8211; ce este \u0219i cum \u00eel alegi?"},"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\/serviciul-de-initiere-de-plata-online-cont-la-cont-prin-open-banking-ce-este-si-cum-il-alegi\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p><span style=\"font-weight: 400;\">Plata online cont la cont se bazeaza pe tehnologia Open Banking \u0219i \u00ee\u0219i face loc pas cu pas \u00een pagina de check-out ca cea mai sigur\u0103 op\u021biune de plat\u0103 online ce poate fi recomandat\u0103 cump\u0103r\u0103torilor. Pentru c\u0103, ce poate fi mai sigur \u0219i de \u00eencredere dec\u00e2t un transfer bancar digitalizat \u00een care banii au o destina\u021bie direct\u0103 &#8211; contul comerciantului \u2013 \u0219i scurt\u0103, din 2-3 click-uri sau mobile finger taps?<\/span><\/p>\n<h6><em>(Guestpost: Smart Fintech)<\/em> <!--more--><\/h6>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-19565 alignleft\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-300x300.jpg\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-300x300.jpg 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-150x150.jpg 150w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto.jpg 547w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Modul \u00een care facem cump\u0103r\u0103turi online a evoluat \u00een ultimii ani, iar metodele de plat\u0103 la check-out au devenit tot mai numeroase. Logo-uri ale diver\u0219ilor procesatori de plat\u0103 a\u0219teapt\u0103 ordonate \u00een linie s\u0103 fie selectate de c\u0103tre cump\u0103r\u0103tori, fiecare oferind experien\u021ba sa de plat\u0103 \u00een jurul unui singur instrument, cardul bancar, dar \u0219i comisioane ce iau un procent semnificativ din \u00eencas\u0103rile majorit\u0103\u021bii comercian\u021bilor.<\/p>\n<p><span style=\"font-weight: 400;\">Pe m\u0103sur\u0103 ce valoarea co\u0219ului de cump\u0103r\u0103turi cre\u0219te \u2013 cum s-a \u00eent\u00e2mplat \u00een ultimul an &#8211; dar \u0219i atunci c\u00e2nd vindem produse de valoare mare, procentele la \u00eencasare devin ustur\u0103toare pentru comercian\u021bi, chiar \u0219i atunci c\u00e2nd oscileaz\u0103 sub 1% din valoarea tranzac\u021biei. Iar atunci c\u00e2nd cardul nu mai face fa\u021b\u0103 sumei prea mari, <\/span><span style=\"font-weight: 400;\">din cauza limitelor prestabilite de tranzac\u021bionare<\/span><span style=\"font-weight: 400;\">, un transfer bancar sau ordin de plat\u0103 r\u0103m\u00e2ne singura solu\u021bie posibil\u0103, experien\u021ba de plat\u0103, dar \u0219i de confirmare a pl\u0103\u021bii oferind pa\u0219i manuali anevoio\u0219i, at\u00e2t pentru cump\u0103r\u0103tor, c\u00e2t \u0219i pentru comerciant. Iar ace\u0219tia conduc la \u00eent\u00e2rzieri \u00een achizi\u021bie sau chiar la abandon.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Astfel, comercian\u021bii caut\u0103 \u00een continuare op\u021biuni pentru acceptarea la plata online care le re\u021bin c\u00e2t mai pu\u021bin din \u00eencas\u0103ri, le ofer\u0103 lichiditate \u00een mod constant, \u0219i care reprezint\u0103 metode de plat\u0103 de \u00eencredere pentru consumatori. Ori \u00eencrederea este cu at\u00e2t mai puternic\u0103 \u0219i mai u\u0219or de instaurat atunci c\u00e2nd nu exist\u0103 ter\u021bi, uneori necunoscu\u021bi pie\u021bei locale, \u00eentre cump\u0103r\u0103tor \u0219i comerciant, iar banii circul\u0103 direct din contul cump\u0103r\u0103torului \u00een contul comerciantului, instant sau cel mai t\u00e2rziu a doua zi lucr\u0103toare.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Plata online cont la cont \u00eendepline\u0219te aceste deziderate gra\u021bie tehnologiei Open Banking \u0219i \u00ee\u0219i face loc pas cu pas \u00een pagina de check-out ca cea mai sigur\u0103 op\u021biune de plat\u0103 online ce poate fi recomandat\u0103 cump\u0103r\u0103torilor. Pentru c\u0103, ce poate fi mai sigur \u0219i de \u00eencredere dec\u00e2t un transfer bancar digitalizat \u00een care banii au o destina\u021bie direct\u0103 &#8211; contul comerciantului \u2013 \u0219i scurt\u0103, din 2-3 click-uri sau mobile finger taps?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Iat\u0103 de ce ai nevoie pentru a oferi plata cont la cont clien\u021bilor t\u0103i \u0219i diversifica op\u021biunile de plat\u0103 la check out cu o metod\u0103 de plat\u0103 ce r\u0103spunde nevoilor de:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; securitate \u0219i reducere a fraudei pentru cump\u0103r\u0103tori,\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; reducere a costurilor pentru comercian\u021bi\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; \u0219i confort, pe care plata cont la cont \u00eel aduce \u00eentr-o tranzac\u021bie online:<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ol>\n<li><b><\/b> <b>Selectezi un furnizor autorizat BNR al serviciului de plat\u0103 online cont la cont\u00a0<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">La plata online cont la cont prin Open Banking banii circul\u0103 din contul cump\u0103r\u0103torului direct \u00een contul comerciantului, f\u0103r\u0103 ca fondurile s\u0103 treac\u0103 printr-un furnizor ter\u021b. Rolul furnizorului ter\u021b \u00een acest caz este exclusiv de digitalizare, respectiv automatizare a pa\u0219ilor de ini\u021biere a unei pl\u0103\u021bi online din pagina de check out sau dintr-o factur\u0103 proform\u0103 electronic\u0103. De asemenea, acesta faciliteaz\u0103 cump\u0103r\u0103torului plata \u0219i autorizarea \u00een banca sa din care a ales s\u0103 fac\u0103 plata.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Autorizarea BNR atest\u0103 c\u0103 furnizorul \u0219i serviciul oferit func\u021bioneaz\u0103 \u00een condi\u021biile reglementate de directiva europeana de pl\u0103\u021bi electronice PSD2, este supravegheat de banca central\u0103 \u0219i auditat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De asemenea, este bine s\u0103 \u0219tii c\u0103 atunci c\u00e2nd un cump\u0103r\u0103tor ini\u021biaz\u0103 o plat\u0103 online cont la cont cu un furnizor ter\u021b de servicii de plat\u0103 prin Open Banking, acel furnizor ter\u021b este verificat de c\u0103tre b\u0103ncile comerciale din care cump\u0103r\u0103torii fac pl\u0103\u021bi, la fiecare plat\u0103, pentru a valida c\u0103 furnizorul este autorizat BNR, iar certificatele sale sunt autentice \u0219i valide. Astfel, pl\u0103\u021bile \u0219i cump\u0103r\u0103torii sunt \u00een siguran\u021b\u0103.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Serviciul de ini\u021biere\u00a0 de plat\u0103 online cont la cont \u00eel po\u021bi integra \u00een propriul magazin, dac\u0103 platforma de eCommerce \u00ee\u021bi permite libertatea de integrare, sau \u00eel po\u021bi solicita furnizorului magazinului t\u0103u online care \u00eel poate integra pentru tine \u0219i clien\u021bii s\u0103i.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ol start=\"2\">\n<li><b><\/b> <b>Evaluezi func\u021bionalit\u0103\u021bile pl\u0103\u021bii cont la cont<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00cen esen\u021b\u0103, plata cont la cont te ajut\u0103 s\u0103 \u00eencasezi banii pe produsele sau serviciile v\u00e2ndute online direct \u00een contul bancar al magazinului sau afacerii tale, din contul clientului t\u0103u. \u00cens\u0103 dincolo de aceast\u0103 func\u021bionalitate de baz\u0103, asigur\u0103-te c\u0103 serviciul de plat\u0103 cont la cont ofer\u0103 \u0219i alte func\u021bionalit\u0103\u021bi care \u00eembun\u0103t\u0103\u021besc experien\u021ba de utilizare at\u00e2t pentru comerciant, c\u00e2t \u0219i pentru cump\u0103r\u0103tor:<\/span><\/p>\n<ul>\n<li><i><span style=\"font-weight: 400;\"><strong>Consola pentru pl\u0103\u021bi<\/strong> &#8211; <\/span><\/i><span style=\"font-weight: 400;\">O platform\u0103 \u00een care po\u021bi vizualiza \u00een timp real toate tranzac\u021biile de plat\u0103 cont la cont ini\u021biate din magazinul t\u0103u al\u0103turi de detaliile de identificare a acestora \u0219i ale clien\u021bilor (utilizatorii serviciului de plat\u0103), detaliile pl\u0103\u021bilor, data la care au fost ini\u021biate, statusul acestora \u0219i alte informa\u021bii asociate.\u00a0<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li><i><span style=\"font-weight: 400;\"><strong>Returnarea banilor la returul comenzilor<\/strong> &#8211; <\/span><\/i><span style=\"font-weight: 400;\">Odat\u0103 ce au returnat par\u021bial sau integral o comand\u0103, cump\u0103r\u0103torii a\u0219teapt\u0103 azi ca banii s\u0103<\/span> <span style=\"font-weight: 400;\">fie vira\u021bi \u00eenapoi \u00een contul lor bancar \u00een cel mai scurt timp de la momentul return\u0103rii. Astfel c\u0103 o solu\u021bie de ini\u021biere de plat\u0103 trebuie s\u0103 permit\u0103 nu doar acceptarea pl\u0103\u021bilor, ci \u0219i returnarea valorii comenzilor returnate. Pentru c\u0103 returnarea banilor s\u0103 fie c\u00e2t mai rapid\u0103, aceast\u0103 func\u021bionalitate trebuie s\u0103 fie prezent\u0103 \u00een consola ce \u00eenso\u021be\u0219te serviciul de plat\u0103, de unde comerciantul poate ini\u021bia o plat\u0103 cont la cont \u00een sens invers, din contul s\u0103u \u00een contul cump\u0103r\u0103torului.<\/span><\/li>\n<li><i><span style=\"font-weight: 400;\"><strong>Pl\u0103\u021bi instant \u0219i return\u0103ri instant<\/strong> &#8211; <\/span><\/i><span style=\"font-weight: 400;\">Odat\u0103 ce pl\u0103\u021bile interbancare sunt oferite instant de tot mai multe b\u0103nci, serviciul de plat\u0103 cont la cont prin Open Banking devine ideal at\u00e2t la \u00eencasare, c\u00e2t \u0219i la returnarea banilor \u00een cazul retururilor.\u00a0 <\/span><span style=\"font-weight: 400;\">Astfel, la ini\u021bierea unei pl\u0103\u021bi cont la cont \u00eentre b\u0103nci ce ofer\u0103 plata instant, banii ajung la fel, instant, \u00een contul comerciantului.\u00a0 <\/span><span style=\"font-weight: 400;\">Indiferent de timpul de decontare \u00eens\u0103, instant sau c\u00e2teva ore, comerciantul prime\u0219te imediat statusul pl\u0103\u021bii care se verific\u0103 \u00een mod constant p\u00e2n\u0103 la confirmarea pl\u0103\u021bii.<\/span><\/li>\n<li><i><span style=\"font-weight: 400;\"><strong>Pl\u0103\u021bi \u0219i sub umbrela brandului t\u0103u<\/strong>\u00a0 &#8211; <\/span><\/i><span style=\"font-weight: 400;\">Pentru o experien\u021b\u0103 la cump\u0103rare \u00een care identitatea brandului t\u0103u predomin\u0103 la fiecare pas, de la intrarea in magazin p\u00e2n\u0103 la p\u0103r\u0103sirea acestuia, aduci plata online cont la cont \u00een interfa\u021ba magazinului t\u0103u. Astfel, ini\u021bierea pl\u0103\u021bilor online are loc integral \u00een website-ul t\u0103u, dar trebuie \u00eenso\u021bit\u0103 de termenii \u0219i condi\u021biile furnizorului de pl\u0103\u021bi cont la cont care trebuie s\u0103 fie la vedere, expuse cump\u0103r\u0103torului, utilizator al serviciilor de plat\u0103, pentru garantarea \u00eencrederii. Pentru autorizarea pl\u0103\u021bilor, cump\u0103r\u0103torii ajung \u00een interfa\u021ba deja cunoscut\u0103 a b\u0103ncii lor de unde sunt redirec\u021biona\u021bi \u00eenapoi \u00een magazinul t\u0103u. Oricum ai decide s\u0103 implementezi solu\u021bia, sub brandul furnizorului autorizat sau s\u0103 o construie\u0219ti sub propriul brand, experien\u021ba utilizatorului de servicii de plat\u0103 ar trebui s\u0103 primeze.\u00a0<\/span><\/li>\n<li><i><span style=\"font-weight: 400;\"><strong>Raportare<\/strong> &#8211; <\/span><\/i><span style=\"font-weight: 400;\">Un serviciu de plat\u0103 cont la cont vine \u00eenso\u021bit de filtrarea tranzac\u021biilor \u00een func\u021bie de diferite detalii ale pl\u0103\u021bii \u0219i exportarea acestora \u00een Excel pentru analizele pe care ai nevoie s\u0103 le realizezi.<\/span><\/li>\n<li><i><span style=\"font-weight: 400;\"><strong>Roadmap activ<\/strong> &#8211; <\/span><\/i><span style=\"font-weight: 400;\">\u00cen afara func\u021bionalit\u0103\u021bilor curente ale serviciului de plat\u0103, un roadmap activ ce are \u00een vedere func\u021bionalit\u0103\u021bi viitoare pe canalul de Open Banking este un semnal bun al faptului c\u0103 serviciul evolueaz\u0103 \u0219i \u00een \u021bara noastr\u0103.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li><i><span style=\"font-weight: 400;\"><strong>Echipa \u0219i suportul din spatele serviciului<\/strong> &#8211; <\/span><\/i><span style=\"font-weight: 400;\">Orice furnizor de servicii prin Open Banking are un home market \u00een care este dedicat trup \u0219i suflet. Iar atunci c\u00e2nd serviciul implic\u0103 majoritar tranzac\u021bii ini\u021biate \u00een pia\u021ba local\u0103, alegerea unui furnizor local, cu echip\u0103 local\u0103 de suport, dar \u0219i echip\u0103 local\u0103 tehnic\u0103 ce asigur\u0103 motorul func\u021bion\u0103rii serviciului de plat\u0103, este \u00eentotdeauna alegerea cea mai precaut\u0103.<\/span><\/li>\n<\/ul>\n<ol start=\"3\">\n<li><b><\/b> <b>Evaluezi b\u0103ncile integrate \u0219i modalitatea de integrare<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Un serviciu de plat\u0103 online cont la cont adresabil marii majorit\u0103\u021bi a cump\u0103r\u0103torilor online va avea o adop\u021bie mai rapid\u0103 atunci c\u00e2nd integreaz\u0103 cele mai mari \u0219i populare b\u0103nci din pia\u021b\u0103 din punct de vedere al num\u0103rului de utilizatori.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dincolo de b\u0103ncile integrate, modul de integrare implementat de fiecare furnizor face diferen\u021ba \u00een calitatea serviciului de ini\u021biere a pl\u0103\u021bilor cont la cont, monitorizarea \u0219i \u00eentre\u021binerea acestuia pe termen lung.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ol start=\"4\">\n<li><b><\/b> <b>Testezi live plata online cont la cont<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Pentru a vedea \u0219i experimenta live un serviciu de ini\u021biere de pl\u0103\u021bi online cont la cont, po\u021bi <\/span><a href=\"https:\/\/www.pay.smartfintech.eu\/payment-initiation?payment=105411&amp;state=eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIiwia2lkIiA6ICJrR0lrSG9NaHlDZTROMm5ZcTZuR1p2MF9ja205YlYwOXJZdkp5OWYtRnJBIn0.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.aWoOCBMyFFABT1P0NDjQXwbL6LUZNGVXbenk6qePveDN6ckUp35IfKRhDtqlmhB7X5WvdocxvrXoafJbFNwXsIzbn75t4SOQz-PP5ZP6nqbJR6XPUC0q2_ALd8Yc4OccicSWbrcobW-mK7OTXnSL5sVOj_QkH6XefaaGeO_TBAfSMfWo3LYDzlnUK6kyqqGOOmX2YupKnV1UOo3QBa90rE89gV46R5voaLzAO7_K3PqpqWBZ0iwzwdDaVXAmnU3Df8Vr3TQ00LkTa7dfktcB8TAkRWCONBYqPbG3hh_LaGn4nDVqsnhsfn0oJtmNLKscLkuOMpyL-g2IrX949K7CVmKkOGkhNXFWWX2k6DIPl0mHExAwesr4J2lNZWFrEWNUq89ofMmtorZRG7NgX7PhetEoxLgU2ZChYoBIcmfGH5VYVCmDaB6X009YPAukf3jVwiftPddrqjPNiwnHhZHxlWf7jg1a5swAfn4Z51HLxAv4LmJmuLz6icBnegNla88TyF06DMZB-jnesfT4AbDsPWKzmnTH7g2BmpjXOVKJjuo7M75VfEFBkDSEyyYnZSTuparyajMaCG7uRwex8sWuAdXp4zZJPsCJVLN2ywOa1t4bdy07E_-LT94A1RI6eyvFBI4XbjN91Nc-O6mFEY_YTHPbweRApeJ5xrGyNCMLU2w\"><span style=\"font-weight: 400;\">testa<\/span><\/a><span style=\"font-weight: 400;\"> simplitatea \u0219i u\u0219urin\u021ba unei pl\u0103\u021bi cu <\/span><a href=\"https:\/\/www.smartfintech.eu\/smartpay\"><b>SmartPay<\/b><\/a><span style=\"font-weight: 400;\">, primul serviciu local autorizat de BNR. \u00a0SmartPay poate fi testat <\/span><a href=\"https:\/\/www.pay.smartfintech.eu\/payment-initiation?payment=105411&amp;state=eyJhbGciOiJSUzI1NiIsInR5cCIgOiAiSldUIiwia2lkIiA6ICJrR0lrSG9NaHlDZTROMm5ZcTZuR1p2MF9ja205YlYwOXJZdkp5OWYtRnJBIn0.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.aWoOCBMyFFABT1P0NDjQXwbL6LUZNGVXbenk6qePveDN6ckUp35IfKRhDtqlmhB7X5WvdocxvrXoafJbFNwXsIzbn75t4SOQz-PP5ZP6nqbJR6XPUC0q2_ALd8Yc4OccicSWbrcobW-mK7OTXnSL5sVOj_QkH6XefaaGeO_TBAfSMfWo3LYDzlnUK6kyqqGOOmX2YupKnV1UOo3QBa90rE89gV46R5voaLzAO7_K3PqpqWBZ0iwzwdDaVXAmnU3Df8Vr3TQ00LkTa7dfktcB8TAkRWCONBYqPbG3hh_LaGn4nDVqsnhsfn0oJtmNLKscLkuOMpyL-g2IrX949K7CVmKkOGkhNXFWWX2k6DIPl0mHExAwesr4J2lNZWFrEWNUq89ofMmtorZRG7NgX7PhetEoxLgU2ZChYoBIcmfGH5VYVCmDaB6X009YPAukf3jVwiftPddrqjPNiwnHhZHxlWf7jg1a5swAfn4Z51HLxAv4LmJmuLz6icBnegNla88TyF06DMZB-jnesfT4AbDsPWKzmnTH7g2BmpjXOVKJjuo7M75VfEFBkDSEyyYnZSTuparyajMaCG7uRwex8sWuAdXp4zZJPsCJVLN2ywOa1t4bdy07E_-LT94A1RI6eyvFBI4XbjN91Nc-O6mFEY_YTHPbweRApeJ5xrGyNCMLU2w\"><span style=\"font-weight: 400;\">aici<\/span><\/a><span style=\"font-weight: 400;\"> printr-o dona\u021bie la Crucea Ro\u0219ie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acces\u00e2nd link-ul de plat\u0103 ajungi \u00een interfa\u021ba SmartPay unde selectezi banca din care vrei s\u0103 donezi, dac\u0103 dore\u0219ti po\u021bi modifica suma sugerat\u0103, apoi autorizezi tranzac\u021bia. Acesta este doar un exemplu de integrare SmartPay, op\u021biunile pe care un comerciant le are la dispozi\u021bie fiind variate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Parcurg\u00e2nd ace\u0219ti pa\u0219i esen\u021biali \u00een selec\u021bia unui serviciu de pl\u0103\u021bi cont la cont sau aleg\u00e2nd activarea serviciului dintr-o platform\u0103 de eCommerce ce-l integreaz\u0103, te asiguri c\u0103 faci alegerea corect\u0103 \u0219i \u00eencepi s\u0103 prime\u0219ti beneficiile c\u0103utate pentru magazinul t\u0103u \u0219i clien\u021bii t\u0103i. Evolu\u021bia pl\u0103\u021bilor online cont la cont \u00een Rom\u00e2nia este \u00een plin\u0103 ascensiune, iar \u00een timp ce alte industrii (prin platformele de creditare, facturare, \u00eemprumuturi etc.) au \u00eenceput s\u0103 o integreze deja, pia\u021ba de eCommerce local\u0103 a\u0219teapt\u0103 s\u0103 prind\u0103 av\u00e2nt \u00een 2023.<\/span><\/p>\n<p>_______________________________________________________________________________________<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-19565 alignleft\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-300x300.jpg\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-300x300.jpg 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto-150x150.jpg 150w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2023\/05\/1Alice-foto.jpg 547w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>Alice Anghelea<br \/>\nGrowth Revenue, Smart Fintech<\/p>\n<p>Cu un background antreprenorial excelent, construit \u00een jurul motiva\u021biei clien\u021bilor pentru schimbare \u0219i inova\u021bie, Alice are 20 de ani de experien\u021b\u0103 \u00een stimularea cre\u0219terii veniturilor pentru companiile de tehnologie \u0219i BPO, de la primele etape p\u00e2n\u0103 la maturitate, at\u00e2t pe pie\u021bele interne, c\u00e2t \u0219i pe cele interna\u021bionale (EMEA, CEE). Ea a contribuit la apari\u021bia \u0219i cre\u0219terea pie\u021bei interna\u021bionale pentru tehnologia SaaS a managementului for\u021bei de munc\u0103 a UCMS Group EMEA \u0219i serviciile BPO, devenind alternativ\u0103 relevant\u0103 la marii furnizori globali. Ea este membru fondator al primei platforme din Europa pentru agregarea \u0219i analiza recenziilor online pentru m\u0103rci de consum. Din 2022, Alice s-a al\u0103turat Smart Fintech, principalul laborator de inovare \u00een Open Banking din Rom\u00e2nia, gestion\u00e2nd strategia de lansare pe pia\u021b\u0103 a start-up-ului, \u00eentr-o abordare orientat\u0103 c\u0103tre client a solu\u021biilor inovatoare de Open Banking constituite ca viitorul pl\u0103\u021bilor digitale \u0219i a solu\u021biilor digitale de agregare a datelor financiare din Rom\u00e2nia \u0219i CEE.<\/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\/serviciul-de-initiere-de-plata-online-cont-la-cont-prin-open-banking-ce-este-si-cum-il-alegi\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>Plata online cont la cont se bazeaza pe tehnologia Open Banking \u0219i \u00ee\u0219i face loc pas cu pas \u00een pagina de check-out ca cea mai sigur\u0103 op\u021biune de plat\u0103 online ce poate fi recomandat\u0103 cump\u0103r\u0103torilor. Pentru c\u0103, ce poate fi mai sigur \u0219i de \u00eencredere dec\u00e2t un transfer bancar digitalizat \u00een care banii au o destina\u021bie direct\u0103 &#8211; contul comerciantului \u2013 \u0219i scurt\u0103, din 2-3 click-uri sau mobile finger taps? (Guestpost: Smart Fintech)<\/p>\n","protected":false},"author":40,"featured_media":19566,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3887,56],"tags":[4031,4025,4027,4023,96,4029],"class_list":["post-19564","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parteneri-gpec","category-resurse-e-commerce","tag-diversificare-instrumente-plata","tag-instrumente","tag-plata-cont-la-cont","tag-plata-online","tag-plati-online","tag-smart-fintech"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19564","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=19564"}],"version-history":[{"count":3,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19564\/revisions"}],"predecessor-version":[{"id":19962,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19564\/revisions\/19962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media\/19566"}],"wp:attachment":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media?parent=19564"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/categories?post=19564"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/tags?post=19564"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}