banca digitala

Băncile digitale – noul trend în domeniul bancar

Bănci digitale – da sau nu? Complicat de răspuns. Vin cu avantaje și dezavantaje, ca orice lucru în viață. Dar avem încredere sau nu să le testăm, să operăm cu ele?

Haideți sa vedem mai întâi ce aduc nou aceste bănci digitale față de tradiția încetățenită a coloșilor de marmură din centrul orașului tău. Să facem un experiment: vrem să deschidem un cont la o bancă oarecare. Cum funcționează?

card bancar

Mai întâi, fugi de la birou. Având în vedere că băncile clasice funcționează ca orice afacere din țara asta, ele sunt deschise în general între orele 9,00 și 17,00 – 17,30, așa că e necesar. Apoi, cauți cea mai apropiată sucursală sau agenție a băncii alese și te așezi la coadă la un ghișeu. Pentru un popor care a suferit îndelung din cauza statului la coadă, perpetuarea acestui “sport” național este de mirare. Având în vedere optimizările repetate ale principalelor bănci care opereaza în România, poți fi sigur că indiferent ce bancă alegi, personalul va fi subdimensionat. Un alt aspect al problemei: în pofida multiplelor aplicații electronice ale diferitelor bănci, pentru cont și card se stă la coadă. Bun. Apoi admiri mocăiala persoanei din spatele ghișeului (tot optimizare, care în general are două efecte: primul, că angajații din front office sunt schimbați ca șosetele, a doua, că slujba de angajat bancar este tot mai depersonalizată și din cauza celor explicate mai sus) și dacă ești foarte norocos în jumătate de oră pleci triumfător ca deținător de cont bancar. Oarecum triumfător, deoarece pentru card trebuie să te mai întorci peste 3-4 zile (se ridică numai personal, cu același act de identitate). Deci, te mai paște o fugă de la birou, un stat la coadă, o activare de card la ATM după ce ai stat și acolo la coadă (mai ales dacă ai nenorocul să nimerești într-o perioadă cu pensii/salarii). După care, complet epuizat, ai și card. Complicat?

Cum se întâmplă acest lucru la o bancă digitală? Pai, mai întâi, identifici banca. Pasul doi e să descarci app-ul corespunzător din magazinul play de pe telefonul tău. Restul pașilor îi face aplicația: introduci datele personale, faci o fotografie la cartea de identitate și o atașezi, îți faci un selfie și îl atașezi și pe acesta, ca să fie banca digitală sigură că ești chiar cel din cartea de identitate. Apoi alegi un PIN și gata. Cardul îți vine prin poștă 4-5 zile mai târziu, pe adresa de domiciliu. Mai simplu? Păi, rămâne să hotărâți voi înșivă.

Dar pe lângă birocrația clar mult mai redusă, băncile digitale au și alte avantaje. Să le enumerăm: comisioane de transfer zero, transferuri internaționale de bani mult mai ieftine, retrageri de numerar de la ATM gratuite, schimburi valutare la cursuri avantajoase, retrageri de numerar în alte țări în moneda locală la cursul Băncii Naționale (cu unele limitări de sumă), posibilitatea de a face depozite cu dobândă mai bună și aș mai putea continua. Dar există și avantaje logistice: disponibilitate nelimitată, fiind legate de aplicația de pe telefon, securitate foarte bună a aplicațiilor, posibilitatea de a folosi portofele electronice ca Google Pay sau Apple Pay.

De ce pot oferi aceste bănci servicii mult mai ieftine? Ei bine, e simplu: în primul rând, nu au nevoie de mii de angajați ca să funcționeze. În al doilea rând, nu au nevoie de sedii. Fără personal si fără infrastructură, ai eliminat practic 95% din cheltuielile operaționale ale unei bănci clasice.

Corect ar fi să amintim și dezavantajele. Ele sunt de fapt două, mari și late. În primul rând, nu ai posibilitatea de a depune fizic bani în contul băncii digitale. Ceea ce înseamnă că ai nevoie și de un cont la o bancă comercială clasică, întrucât contul digital trebuie alimentat prin transfer. Mă veți întreba cu ce vă ajută banca digitală în asemenea condiții? Ei bine, majoritatea utilizatorilor fac un singur transfer de bani din contul curent de la o bancă comercială in contul băncii digitale, iar apoi restul plăților din banca digitală, fără comisioane. Anumite bănci încearcă să descurajeze această practică prin taxarea suplimentară a transferului de bani, dacă acesta se face într-o bancă digitală. Personal, presupun că acest dezavantaj va putea fi ocolit la un moment dat, prin diverse alte forme de alimentare cu numerar, fie prin posibilitatea primirii salariului direct în banca digitală.

Dar cel mai important dezavantaj constă în faptul că aceste bănci digitale nu sunt reglementate. Nefiind sub supravegherea unei Bănci Naționale, depozitele nu sunt garantate; nici banii din cont. În cazul unui atac informatic te poți trezi ușor fără bani, dacă se reușește ocolirea sistemului de securitate al aplicației. În această situație, nu ai cui să te plângi. Aștept să se găsească o formă de reglementare și pentru acest aspect, fără taxarea suplimentară a băncilor digitale. Pentru că viitorul, având în vedere cele descrise mai sus, sună bine.

O să revenim pe acest domeniu cu o prezentare a băncilor digitale. Pe curând!

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    Заказать товары в компании «Эксив» вы можете с доставкой по Москве, Подмосковью и отправкой транспортными компаниями во все регионы Рф. Цена доставки по Москве – 1000 р. Для того чтобы узнать стоимость доставки в другие города, позвоните консультанту или задайте вопрос в форме обратной связи.
    Оплата возможна курьеру при получении заказа наличными или банковской картой. Также вы можете оплатить товар на портале либо по безналичному расчету. Если заказ отправляется в регионы, необходимо полная предоплата.