{"id":19974,"date":"2024-01-23T15:53:14","date_gmt":"2024-01-23T13:53:14","guid":{"rendered":"https:\/\/www.gpec.ro\/blog\/?p=19974"},"modified":"2024-01-24T22:09:56","modified_gmt":"2024-01-24T20:09:56","slug":"de-ce-sa-alegi-plata-online-prin-open-banking-pentru-afacerea-ta","status":"publish","type":"post","link":"https:\/\/www.gpec.ro\/blog\/de-ce-sa-alegi-plata-online-prin-open-banking-pentru-afacerea-ta","title":{"rendered":"De ce sa alegi plata online prin Open Banking pentru afacerea ta"},"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\/de-ce-sa-alegi-plata-online-prin-open-banking-pentru-afacerea-ta\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>Un aspect important pentru activitatea de comer<span style=\"font-weight: 400;\">\u021b<\/span> electronic este<span style=\"font-weight: 400;\"> ca tranzac\u021biile de plat\u0103 online s\u0103 se desf\u0103\u0219oare rapid, \u00een siguran\u021b\u0103 \u0219i transparen\u021b\u0103, doar \u00eentre tine \u0219i clientul t\u0103u. <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.gpec.ro\/blog\/serviciul-de-initiere-de-plata-online-cont-la-cont-prin-open-banking-ce-este-si-cum-il-alegi\">Plata cont la cont prin Open Banking<\/a>, o inova\u021bie dorit\u0103 chiar \u00eenainte de vreme de mul\u021bi comercian\u021bi pentru a \u00eencasa mai u\u0219or pentru fiecare produs sau serviciu v\u00e2ndut online, a devenit pe parcursul ultimilor 2 ani o realitate la \u00eendem\u00e2na fiec\u0103rui magazin sau afacere digital\u0103.\u00a0<\/span><!--more--><\/p>\n<h3><b>Beneficiile Open Banking sunt palpabile:<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduci costurile cu fiecare \u00eencasare de la clien\u021bi \u0219i transformi plata clientului \u00eentr-un proces direct. Open Banking elimin\u0103 intermediarii \u0219i permite tranzac\u021bii directe \u00eentre consumatori \u0219i comercian\u021bi. Acest model de plat\u0103 se sprijin\u0103 pe cea mai nou\u0103 tehnologie, reglementat\u0103 prin directiva european\u0103 PSD2, care promite o evolu\u021bie continu\u0103 \u0219i o perspectiv\u0103 optimista pentru viitorul tranzac\u021biilor online f\u0103r\u0103 intermediari.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00cembun\u0103t\u0103\u021be\u0219ti lichiditatea. Pl\u0103\u021bile sunt procesate rapid \u0219i direct \u00een contul t\u0103u bancar, elimin\u00e2nd a\u0219teptarea asociat\u0103 cu decont\u0103rile procesatorilor de carduri.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cre\u0219ti \u00eencrederea clien\u021bilor t\u0103i. Deseori \u00eent\u00e2lnim clien\u021bi tem\u0103tori \u0219i ne\u00eencrez\u0103tori \u00een a-\u0219i completa detaliile confiden\u021biale ale cardului de debit\/credit pe site-uri necunoscute lor sau \u00een wallet-uri digitale, astfel c\u0103 o metod\u0103 de plat\u0103 cu un nivel superior de securitate, f\u0103r\u0103 expunerea vreunei informa\u021bii secrete online \u0219i f\u0103r\u0103 a-\u0219i salva datele \u00eentr-un cloud necunoscut, este singura op\u021biune ce le ofer\u0103 \u00eencredere.<\/span><\/li>\n<\/ul>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19975 aligncenter\" src=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2024\/01\/gpec-articol-17.01-v3-300x214.jpg\" alt=\"\" width=\"659\" height=\"470\" srcset=\"https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2024\/01\/gpec-articol-17.01-v3-300x214.jpg 300w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2024\/01\/gpec-articol-17.01-v3-1024x729.jpg 1024w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2024\/01\/gpec-articol-17.01-v3-768x547.jpg 768w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2024\/01\/gpec-articol-17.01-v3-1536x1093.jpg 1536w, https:\/\/www.gpec.ro\/blog\/wp-content\/uploads\/2024\/01\/gpec-articol-17.01-v3-2048x1458.jpg 2048w\" sizes=\"auto, (max-width: 659px) 100vw, 659px\" \/><\/h3>\n<h3><b>Percep\u021bii gre\u0219ite \u00een alegerea solu\u021biei de plat\u0103<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen timp ce to\u021bi furnizorii fintech care ofer\u0103 plata cont la cont au \u00een comun infrastructura Open Banking expus\u0103 obligatoriu de fiecare banc\u0103 local\u0103, este u\u0219or s\u0103 credem c\u0103 pre\u021bul este unicul factor diferen\u021biator. \u00cens\u0103, a\u0219a cum ne-au ar\u0103tat ultimii ani, de la apari\u021bia Open Banking \u00een Rom\u00e2nia \u00een 2019 \u0219i p\u00e2n\u0103 \u00een prezent, sunt \u0219i al\u021bi factori esen\u021biali care diferen\u021biaz\u0103 furnizorii de pl\u0103\u021bi cont la cont, iar cel mai mic pre\u021b poate ascunde riscuri \u0219i consecin\u021be nea\u0219teptate. Nu l\u0103sa pre\u021bul s\u0103 te \u00eenc\u00e2nte \u2013 caut\u0103 s\u0103 \u00een\u021belegi calitatea solu\u021biei.<\/span><\/p>\n<h3><b>Dincolo de pre\u021b, o funda\u021bie solid\u0103 pentru Open Banking<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen special \u00een zona solu\u021biilor de plat\u0103 prin Open Banking, pre\u021bul a devenit \u00eentr-un timp foarte scurt de la reglementarea \u0219i oficializarea acestei tehnologii o strategie slab\u0103 \u0219i f\u0103r\u0103 fond de intrare pe pie\u021be noi pentru unii furnizori din alte regiuni ale Europei. Conectarea la infrastructura de Open Banking a b\u0103ncilor locale populare, expunerea unei liste bogate de b\u0103nci la nivel regional \/ european \u0219i un pre\u021b microscopic au constituit solu\u021bia de market-entry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aceast\u0103 abordare este tot mai \u00eent\u00e2lnit\u0103 pentru demonstrarea prezen\u021bei \u0219i capabilit\u0103\u021bilor regionale, at\u00e2t \u00een fa\u021ba investitorilor fascina\u021bi de mirajul unei pie\u021be extinse, c\u00e2t \u0219i comercian\u021bilor ce caut\u0103 metode inovatoare de plat\u0103, cum este plata cont la cont, \u0219i pentru care un pre\u021b irezistibil de mic fa\u021b\u0103 de nivelul actual al costurilor lor le poate trezi interesul \u0219i senza\u021bia c\u0103 se afl\u0103 \u00een fa\u021ba unei decizii bune.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cens\u0103, iat\u0103 care sunt elementele definitorii pe care trebuie s\u0103 le ai \u00een vedere atunci c\u00e2nd alegi un furnizor fintech pentru plata cont la cont prin Open Banking din platforma ta de eCommerce, pentru tine \u0219i clien\u021bii t\u0103i:<\/span><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Importan\u021ba alegerii unui furnizor fintech autorizat\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pentru ca tranzac\u021biile tale de plat\u0103 cont la cont s\u0103 fie conforme, asigur\u0103-te c\u0103 lucrezi cu un furnizor fintech recunoscut de autorit\u0103\u021bile na\u021bionale.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen Rom\u00e2nia, Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR) este institu\u021bia care valideaz\u0103, autorizeaz\u0103 \u0219i supravegheaz\u0103 furnizorii de Open Banking, \u0219i se asigur\u0103 c\u0103 ace\u0219tia respect\u0103 standardele riguroase impuse de directiva PSD2 \u0219i de reglement\u0103rile locale.<\/span><\/p>\n<p><a href=\"https:\/\/www.smartfintech.eu\/\"><span style=\"font-weight: 400;\">Smart Fintech<\/span><\/a><span style=\"font-weight: 400;\"> este primul dintre cei doi furnizori locali autoriza\u021bi de BNR \u0219i se deta\u0219eaz\u0103 prin dedicarea sa pentru furnizarea de solu\u021bii de plat\u0103 cont la cont pentru e-Commerce, pentru tranzac\u021bii B2C \u0219i B2B, al\u0103turi de serviciul de interogare a conturilor bancare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Verific\u0103 dac\u0103 furnizorul pe care-l alegi este autorizat de o Banca Central\u0103, iar pentru pl\u0103\u021bile tale domestice este cu at\u00e2t mai important ca tranzac\u021biile de plat\u0103 s\u0103 fie ini\u021biate cu ajutorul unui serviciu autorizat direct de BNR. Acest lucru spore\u0219te \u00eencrederea \u00een legalitatea \u0219i siguran\u021ba serviciului, dar asigur\u0103, pentru tine \u0219i clien\u021bii t\u0103i, un canal direct local pentru raportarea \u0219i solu\u021bionarea rapid\u0103 a oric\u0103ror poten\u021biale incidente.<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Licen\u021b\u0103 \u00een nume propriu, nu \u00eemprumutat\u0103<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Explozia Open Banking \u00een Vestul Europei a condus la apari\u021bia multor fintech-uri care au considerat aceast\u0103 tehnologie un adev\u0103rat El Dorado. \u00cen c\u0103utarea rapid\u0103 a succesului, unele dintre aceste entit\u0103\u021bi au ocolit procesul autoriz\u0103rii oficiale prin B\u0103ncile lor Centrale, prefer\u00e2nd o rut\u0103 rapid\u0103 pentru a func\u021biona: operarea sub o licen\u021b\u0103 \u00eemprumutat\u0103 de la un furnizor autorizat.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Asigur\u0103-te c\u0103 partenerul t\u0103u fintech de Open Banking de\u021bine o licen\u021b\u0103 proprie, ob\u021binut\u0103 printr-un proces de autorizare riguros. Acesta este semnul distinctiv al unui juc\u0103tor legitim \u0219i dedicat \u00een spa\u021biul Open Banking. O licen\u021b\u0103 proprie nu doar c\u0103 subliniaz\u0103 autenticitatea \u0219i independen\u021ba furnizorului, dar \u00ee\u021bi ofer\u0103 \u0219i garan\u021bia c\u0103 ini\u021bierea pl\u0103\u021bilor clien\u021bilor t\u0103i sunt gestionate cu cea mai mare seriozitate \u0219i sub supravegherea corespunz\u0103toare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nu te mul\u021bumi cu o solu\u021bie de moment \u2013 investe\u0219te \u00eentr-o colaborare de durat\u0103, care promite siguran\u021b\u0103 \u0219i stabilitate pe termen lung pentru tranzac\u021biile afacerii tale \u0219i ale clien\u021bilor t\u0103i.<\/span><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Angajament \u0219i implicare \u00een dezvoltarea Open Banking-ului local<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Un furnizor de \u00eencredere \u00een sfera Open Banking se angajeaz\u0103 cu implicare \u00een evolu\u021bia serviciilor de plat\u0103 cont la cont, dob\u00e2ndind o cunoa\u0219tere profund\u0103 a pie\u021bei locale \u00een care dore\u0219te s\u0103 contribuie \u0219i s\u0103 se dezvolte. Implicarea activ\u0103 este cheia pentru satisfacerea cerin\u021belor specifice ale comercian\u021bilor \u0219i consumatorilor.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen mediul financiar dinamic din Rom\u00e2nia, astfel de eforturi presupun nu numai o prezen\u021b\u0103 fizic\u0103, dar \u0219i o echip\u0103 de speciali\u0219ti dedica\u021bi \u2013 adev\u0103ra\u021bi pionieri \u2013 care nu doar c\u0103 realizeaz\u0103 conexiuni cu b\u0103ncile locale, dar \u0219i examineaz\u0103 minu\u021bios datele din mii de tranzac\u021bii pentru a \u00eembun\u0103t\u0103\u021bi constant experien\u021ba de utilizare a solu\u021biei de plat\u0103 \u00eempreun\u0103 cu b\u0103ncile partenere.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Angajamentul activ \u0219i consistent pentru evolu\u021bia capabilit\u0103\u021bilor locale de Open Banking este un barometru esen\u021bial al devotamentului furnizorului fa\u021b\u0103 de clien\u021bii s\u0103i \u0219i pia\u021ba local\u0103. Alege un partener care contribuie la progresul Open Banking-ului local.<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Cunoa\u0219terea profund\u0103 a infrastructurii locale de Open Banking\u00a0<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Un furnizor de \u00eencredere pentru ini\u021bierea pl\u0103\u021bilor cont la cont analizeaz\u0103, testeaz\u0103 \u0219i contribuie la \u00eembun\u0103t\u0103\u021birea infrastructurii b\u0103ncilor locale prin rezultatele test\u0103rii continue \u0219i feedback-ul clien\u021bilor utilizatori pentru a le oferi acestora cea mai bun\u0103 experien\u021b\u0103 pentru pl\u0103\u021bile cont la cont.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alegerea unui furnizor de servicii de plat\u0103 prin Open Banking este o decizie strategic\u0103 care poate influen\u021ba succesul afacerii tale \u00een era digital\u0103. Este esen\u021bial s\u0103 alegi un partener cu o echip\u0103 local\u0103 solid\u0103, autorizat \u0219i implicat \u00een dezvoltarea serviciilor de plat\u0103, care \u00ee\u021bi ofer\u0103 nu doar pre\u021buri competitive, dar \u0219i siguran\u021ba \u0219i stabilitatea necesare pentru a-\u021bi proteja afacerea \u0219i a construi \u00eencredere \u00eentre tine \u0219i clien\u021bii t\u0103i. Un furnizor care \u00eembin\u0103 expertiza local\u0103 cu un angajament ferm \u00een progresul tehnologic va asigura o funda\u021bie solid\u0103 pentru tranzac\u021biile tale online cont la cont.<\/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\" \/><span style=\"font-weight: 400;\">Autor: <\/span>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","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\/de-ce-sa-alegi-plata-online-prin-open-banking-pentru-afacerea-ta\" data-colorscheme=\"light\" data-layout=\"button_count\" data-action=\"like\"  data-size=\"small\"><\/div><\/div><\/div><p>Un aspect important pentru activitatea de comer\u021b electronic este ca tranzac\u021biile de plat\u0103 online s\u0103 se desf\u0103\u0219oare rapid, \u00een siguran\u021b\u0103 \u0219i transparen\u021b\u0103, doar \u00eentre tine \u0219i clientul t\u0103u. Plata cont la cont prin Open Banking, o inova\u021bie dorit\u0103 chiar \u00eenainte de vreme de mul\u021bi comercian\u021bi pentru a \u00eencasa mai u\u0219or pentru fiecare produs sau serviciu v\u00e2ndut online, a devenit pe parcursul ultimilor 2 ani o realitate la \u00eendem\u00e2na fiec\u0103rui magazin sau afacere digital\u0103.\u00a0<\/p>\n","protected":false},"author":40,"featured_media":19975,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3887,56],"tags":[],"class_list":["post-19974","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\/19974","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=19974"}],"version-history":[{"count":1,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19974\/revisions"}],"predecessor-version":[{"id":19976,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/19974\/revisions\/19976"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media\/19975"}],"wp:attachment":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media?parent=19974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/categories?post=19974"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/tags?post=19974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}