{"id":20355,"date":"2024-11-26T10:11:53","date_gmt":"2024-11-26T08:11:53","guid":{"rendered":"https:\/\/www.gpec.ro\/blog\/?p=20355"},"modified":"2024-11-28T16:54:43","modified_gmt":"2024-11-28T14:54:43","slug":"fara-card-si-fara-griji-cum-open-banking-si-smartpay-simplifica-platile-online","status":"publish","type":"post","link":"https:\/\/www.gpec.ro\/blog\/fara-card-si-fara-griji-cum-open-banking-si-smartpay-simplifica-platile-online","title":{"rendered":"F\u0103r\u0103 card \u0219i f\u0103r\u0103 griji: cum open banking \u0219i SmartPay simplific\u0103 pl\u0103\u021bile online"},"content":{"rendered":"
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[Articol partener] Open banking \u00eenseamn\u0103 c\u0103 b\u0103ncile faciliteaz\u0103 accesul ter\u021bilor la datele financiare ale clien\u021bilor lor prin intermediul interfe\u021belor de programare a aplica\u021biilor (API-uri). Aceast\u0103 accesare se face, bine\u00een\u021beles, \u00eentr-un mod sigur \u0219i controlat, \u00eentotdeauna cu permisiunea explicit\u0103 a clien\u021bilor. \u00cen UE, open banking-ul este sus\u021binut \u0219i reglementat puternic de b\u0103ncile centrale, pentru a asigura securitatea \u0219i confiden\u021bialitatea datelor. Directiva EU PSD2 (Revised Payment Services Directive) faciliteaz\u0103 dezvoltarea open banking. A\u0219a c\u0103 acum vorbim despre o nou\u0103 normalitate – pl\u0103\u021bile instant. <\/span><\/p>\n

Ter\u021bii pot utiliza datele financiare pentru a oferi servicii personalizate, cum ar fi sfaturi de investi\u021bii, gestionarea bugetelor personale, oferte de credit adaptate nevoilor individuale, \u0219i bine\u00een\u021beles servicii de pl\u0103\u021bi.<\/span><\/p>\n

Ce \u00eenseamn\u0103 de fapt, pl\u0103\u021bile instant?<\/b><\/h3>\n

\u00cen momentul \u00een care un client plaseaz\u0103 o comand\u0103, poate alege dintre diferite metode de plat\u0103: de exemplu, Google Pay, Apple Pay, prin Netopia mobilPay sau ramburs, cu cardul Visa sau Mastercard. Uneori, clien\u021bii sunt reticen\u021bi \u00een a-\u0219i introduce datele cardului pe site-uri de e-commerce (da, este \u00eenc\u0103 un motiv pentru care unii rom\u00e2ni aleg s\u0103 pl\u0103teasc\u0103 ramburs). Apoi, privind din perspectiva unui comerciant, intervine o perioad\u0103 de una p\u00e2n\u0103 la trei zile \u00een care a\u0219teapt\u0103 primirea sumei \u00een conturile bancare, prin metodele obi\u0219nuite de plat\u0103. Trei zile poate s\u0103 \u00eensemne mult, c\u00e2nd exist\u0103 o presiune constant\u0103 asupra magazinelor online de a-\u0219i cre\u0219te eficien\u021ba opera\u021bional\u0103, de a avea un cash-flow constant, \u00eentr-o pia\u021b\u0103 cu o competi\u021bie acerb\u0103. A\u0219 zice, a\u0219adar, c\u0103 magazinele online se folosesc de absolut orice ocazie pentru a aduce o plusvaloare clien\u021bilor lor \u0219i de a-\u0219i m\u0103ri \u0219ansele de a ob\u021bine succesul mult dorit. \u00cen comer\u021bul online, scurtarea perioadei de decontare a tranzac\u021biilor este benefic\u0103, pentru c\u0103 ideea comer\u021bului online este s\u0103 fie \u0219i foarte rapid. Aici intervin pl\u0103\u021bile instant, disponibile at\u00e2t pe canalele de banking tradi\u021bional, folosite deja cu succes, c\u00e2t \u0219i \u00een open banking ca o noutate \u00een \u021bara noastr\u0103.\u00a0<\/span><\/p>\n

Test SmartPay \u2013 aplica\u021bie de ini\u021biere de pl\u0103\u021bi<\/i><\/b><\/p>\n

V\u0103 prezent\u0103m o metod\u0103 de plat\u0103 nou\u0103: SmartPay – exemplificata \u0219i \u00een acest studiu de caz<\/a>.\u00a0<\/span><\/p>\n

V\u00e2nz\u0103torul vrea s\u0103 preg\u0103teasc\u0103 rapid coletele, dup\u0103 ce a primit comenzile, pentru ca acestea s\u0103 ajung\u0103 la clien\u021bii ner\u0103bd\u0103tori c\u00e2t mai repede. \u0218i, desigur, este la fel de ner\u0103bd\u0103tor s\u0103-\u0219i primeasc\u0103 sumele cuvenite.<\/span><\/p>\n

SmartPay este o solu\u021bie de plat\u0103 cont la cont dezvoltat\u0103 de c\u0103tre Smart Fintech – furnizor ter\u021b 100% rom\u00e2nesc autorizat de Banca Na\u021bional\u0103 a Rom\u00e2niei din 2021, particularitatea acesteia fiind tehnologia nou\u0103, inovatoare, de open banking pe care o utilizeaz\u0103.\u00a0<\/span><\/p>\n

Produsul SmartPay este primul serviciu de ini\u021bieri de pl\u0103\u021bi autorizat de Banca Na\u021bional\u0103 a Rom\u00e2niei, cu rol de accelerator de pl\u0103\u021bi \u2013 put\u00e2nd fi integrat \u00een orice aplica\u021bie care gestioneaz\u0103 resurse financiare sub orice form\u0103, precum facturarea electronic\u0103, contabilitate, sisteme ERP \u0219i trezorerie, platforme de salarizare sau managementul finan\u021belor personale.<\/span><\/p>\n

SmartPay este integrat cu 13 b\u0103nci importante din \u021bar\u0103, precum ING, First Bank, Alpha Bank, Libra Bank, Garanti Bank, BCR, Banca Transilvania, OTP Bank, Revolut, CEC Bank, BRD, Raiffeisen Bank \u0219i Unicredit. Mai mult, produsul poate fi integrat u\u0219or \u00een platforma oric\u0103rui partener care dore\u0219te s\u0103 le ofere clien\u021bilor s\u0103i metode alternative de plat\u0103 online.\u00a0<\/span><\/p>\n

Prin intermediul SmartPay, clien\u021bii magazinelor online pot efectua plata produselor\/serviciilor achizi\u021bionate \u00eentr-un mod rapid \u0219i sigur, f\u0103r\u0103 a folosi un card bancar. Astfel, \u00een procesul de finalizare a comenzilor, clientul alege ca metod\u0103 de plat\u0103 SmartPay \u0219i selecteaz\u0103 banca din care va pl\u0103ti. Apoi, este redirec\u021bionat automat spre autorizarea pl\u0103\u021bii \u00een aplica\u021bia b\u0103ncii alese, iar decontarea are loc \u00een maxim 10 secunde pentru pl\u0103\u021bile instant, \u00een aceea\u0219i zi sau urm\u0103toarea zi, \u00een func\u021bie de banc\u0103. Un magazin online poate oferi SmartPay pe orice canal propriu de achizi\u021bie, iar clien\u021bii s\u0103i au la \u00eendem\u00e2n\u0103 plata cont la cont.\u00a0<\/span><\/p>\n

Clien\u021bii pot pl\u0103ti online, select\u00e2nd SmartPay la achizi\u021bia online, pot pl\u0103ti direct facturile din aplica\u021bia de factur\u0103 electronica, cu link de plat\u0103 sau cod QR, pot pl\u0103ti din aplica\u021bia lor mobil\u0103, dintr-un e-mail, o notificare de plat\u0103 sau din sms securizat, ba chiar pot pl\u0103ti direct din chat-ul \u00een care v\u00e2nz\u0103torul interac\u021bioneaz\u0103 cu ei.\u00a0<\/span><\/p>\n

Vezi \u0219i<\/span> Studiu de caz \u2013 magazinul online Maison Olfactif.<\/b><\/a><\/p>\n

Concluzii<\/span><\/p>\n

SmartPay este prima aplica\u021bie de ini\u021biere de pl\u0103\u021bi pe care o testez, integrat\u0103 cu sistemul bancar, ce poate fi folosit\u0103 de furnizorii de produse \u0219i servicii online.\u00a0<\/span>Informa\u021bii suplimentare sunt disponibile aici<\/a>.\u00a0<\/span>Pute\u021bi testa \u0219i voi aplica\u021bia pe site-ul <\/span>https:\/\/www.smartfintech.eu\/<\/span><\/a>, cu o dona\u021bie c\u0103tre Crucea Ro\u0219ie.<\/span><\/p>\n

_____________________________________________________________________________<\/span><\/p>\n

Autor: Camelia Cojocaru, ITChannel<\/span><\/p>\n

Av\u00e2nd un background variat, Camelia este interesat\u0103 de noile tehnologii \u0219i de modul \u00een care acestea simplific\u0103 \u0219i eficientizeaz\u0103 at\u00e2t procesele de afaceri, c\u00e2t \u0219i via\u021ba noastr\u0103 obi\u0219nuit\u0103. Ea a adunat mai bine de 20 de ani de experien\u021b\u0103 \u00een domeniul bancar, carier\u0103 de-a lungul c\u0103reia a fost martor\u0103 a dezvolt\u0103rii sistemelor de pl\u0103\u021bi \u00een Romania \u0219i a contribuit \u00een mod direct la modernizarea modului \u00een care b\u0103ncile \u0219i clien\u021bii deopotriv\u0103 efectueaz\u0103 pl\u0103\u021bi \u0219i decont\u0103ri. Din 2012, Camelia a f\u0103cut un pas \u00een domeniul academic, folosindu-\u0219i experien\u021ba corporatist\u0103 \u00een activitatea didactic\u0103, dar \u0219i de cercetare. Cu entuziasm \u0219i cu pasiune, lucreaz\u0103 cu studen\u021bii la afaceri pe acelea\u0219i coordonate ale eficien\u021bei proceselor de opera\u021biuni \u0219i a utiliz\u0103rii tehnologiilor \u00een afaceri. De mai bine de zece ani, Camelia scrie \u0219i pentru reviste de tehnologie, pe acelea\u0219i subiecte, adaug\u00e2nd astfel experien\u021bei sale o nou\u0103 dimensiune, cea antreprenorial\u0103.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

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[Articol partener] Open banking \u00eenseamn\u0103 c\u0103 b\u0103ncile faciliteaz\u0103 accesul ter\u021bilor la datele financiare ale clien\u021bilor lor prin intermediul interfe\u021belor de programare a aplica\u021biilor (API-uri). Aceast\u0103 accesare se face, bine\u00een\u021beles, \u00eentr-un mod sigur \u0219i controlat, \u00eentotdeauna cu permisiunea explicit\u0103 a clien\u021bilor. \u00cen UE, open banking-ul este sus\u021binut \u0219i reglementat puternic de b\u0103ncile centrale, pentru a asigura securitatea \u0219i confiden\u021bialitatea datelor. Directiva EU PSD2 (Revised Payment Services Directive) faciliteaz\u0103 dezvoltarea open banking. A\u0219a c\u0103 acum vorbim despre o nou\u0103 normalitate – pl\u0103\u021bile instant.<\/p>\n","protected":false},"author":40,"featured_media":20356,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3887,56],"tags":[],"class_list":["post-20355","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\/20355","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=20355"}],"version-history":[{"count":4,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/20355\/revisions"}],"predecessor-version":[{"id":20374,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/posts\/20355\/revisions\/20374"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media\/20356"}],"wp:attachment":[{"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/media?parent=20355"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/categories?post=20355"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gpec.ro\/blog\/wp-json\/wp\/v2\/tags?post=20355"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}