{"id":50859,"date":"2026-03-21T08:04:14","date_gmt":"2026-03-21T08:04:14","guid":{"rendered":"https:\/\/totul.md\/?p=50859"},"modified":"2026-03-21T08:05:05","modified_gmt":"2026-03-21T08:05:05","slug":"banca-nationala-a-moldovei-lanseaza-open-banking-o-noua-etapa-a-economiei-digitale","status":"publish","type":"post","link":"https:\/\/totul.md\/ro\/recomandat\/banca-nationala-a-moldovei-lanseaza-open-banking-o-noua-etapa-a-economiei-digitale\/","title":{"rendered":"Banca Na\u021bional\u0103 a Moldovei lanseaz\u0103 Open Banking: o nou\u0103 etap\u0103 a economiei digitale"},"content":{"rendered":"<p data-path-to-node=\"11\">Banca Na\u021bional\u0103 a Moldovei (BNM) a anun\u021bat oficial lansarea sistemului <b data-path-to-node=\"11\" data-index-in-node=\"71\">Open Banking<\/b>, marc\u00e2nd un progres tehnologic major pentru sectorul financiar al \u021b\u0103rii. Aceast\u0103 ini\u021biativ\u0103, implementat\u0103 \u00een cadrul armoniz\u0103rii cu standardele europene (directiva PSD2), este menit\u0103 s\u0103 schimbe radical modul \u00een care cet\u0103\u021benii interac\u021bioneaz\u0103 cu serviciile bancare.<\/p>\n<p data-path-to-node=\"12\"><b data-path-to-node=\"12\" data-index-in-node=\"0\">Ce \u00eenseamn\u0103 acest lucru pentru afaceri \u0219i cet\u0103\u021beni?<\/b> Sistemul Open Banking permite utilizatorilor s\u0103 \u00ee\u0219i consolideze conturile din diferite b\u0103nci comerciale \u00eentr-o singur\u0103 aplica\u021bie mobil\u0103. Nu este vorba doar de confort, ci de un stimulent puternic pentru dezvoltarea concuren\u021bei. Companiile fintech ter\u021be vor putea acum s\u0103 ofere servicii inovatoare de gestionare a finan\u021belor personale, automatizarea pl\u0103\u021bilor \u0219i creditarea instantanee, av\u00e2nd acces securizat la date cu acordul clientului.<\/p>\n<p data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">Impactul economic<\/b> Exper\u021bii prev\u0103d c\u0103 implementarea datelor bancare deschise va reduce costurile tranzac\u021bionale pentru \u00eentreprinderile mici \u0219i mijlocii \u0219i va accelera tranzi\u021bia economiei c\u0103tre pl\u0103\u021bi \u201ef\u0103r\u0103 numerar\u201d. Pentru sectorul tehnologic din Moldova, acest lucru deschide por\u021bile pentru crearea unor produse noi, orientate nu doar c\u0103tre pia\u021ba intern\u0103, ci \u0219i c\u0103tre cea regional\u0103.<\/p>\n<p data-path-to-node=\"14\">\u201eConstruim un ecosistem financiar modern, unde tehnologia serve\u0219te transparen\u021bei \u0219i eficien\u021bei\u201d, au men\u021bionat reprezentan\u021bii BNM. Trecerea la Open Banking va deveni fundamentul pentru digitalizarea ulterioar\u0103 a serviciilor publice \u0219i private \u00een anul 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banca Na\u021bional\u0103 a Moldovei (BNM) a anun\u021bat oficial lansarea sistemului Open Banking, marc\u00e2nd un progres tehnologic major pentru sectorul financiar al \u021b\u0103rii. Aceast\u0103 ini\u021biativ\u0103, implementat\u0103 \u00een cadrul armoniz\u0103rii cu standardele europene (directiva PSD2), este menit\u0103 s\u0103 schimbe radical modul \u00een care cet\u0103\u021benii interac\u021bioneaz\u0103 cu serviciile bancare. Ce \u00eenseamn\u0103 acest lucru pentru afaceri \u0219i cet\u0103\u021beni? Sistemul [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":50857,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[190],"tags":[],"class_list":{"0":"post-50859","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-recomandat"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.4 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banca Na\u021bional\u0103 a Moldovei lanseaz\u0103 Open Banking: o nou\u0103 etap\u0103 a economiei digitale - Totul<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/totul.md\/ro\/recomandat\/banca-nationala-a-moldovei-lanseaza-open-banking-o-noua-etapa-a-economiei-digitale\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banca Na\u021bional\u0103 a Moldovei lanseaz\u0103 Open Banking: o nou\u0103 etap\u0103 a economiei digitale\" \/>\n<meta property=\"og:description\" content=\"Banca Na\u021bional\u0103 a Moldovei (BNM) a anun\u021bat oficial lansarea sistemului Open Banking, marc\u00e2nd un progres tehnologic major pentru sectorul financiar al \u021b\u0103rii. Aceast\u0103 ini\u021biativ\u0103, implementat\u0103 \u00een cadrul armoniz\u0103rii cu standardele europene (directiva PSD2), este menit\u0103 s\u0103 schimbe radical modul \u00een care cet\u0103\u021benii interac\u021bioneaz\u0103 cu serviciile bancare. Ce \u00eenseamn\u0103 acest lucru pentru afaceri \u0219i cet\u0103\u021beni? 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