{"id":4999,"date":"2024-10-16T09:42:55","date_gmt":"2024-10-16T06:42:55","guid":{"rendered":"https:\/\/weagro.ua\/blog\/transformarea-tehnologiilor-financiare-prin-solutii-integrate\/"},"modified":"2026-03-24T08:07:59","modified_gmt":"2026-03-24T06:07:59","slug":"transformarea-tehnologiilor-financiare-prin-solutii-integrate","status":"publish","type":"post","link":"https:\/\/weagro.ua\/ro\/blog\/transformarea-tehnologiilor-financiare-prin-solutii-integrate\/","title":{"rendered":"Transformarea tehnologiilor financiare prin solu\u021bii integrate"},"content":{"rendered":"

Finan\u021bele integrate (embedded finances) reprezint\u0103 una dintre tendin\u021bele de top \u00een dezvoltarea afacerilor \u00een anii 2020. Aceast\u0103 tehnologie ofer\u0103 companiilor \u0219i consumatorilor acces rapid la servicii financiare f\u0103r\u0103 a fi nevoie s\u0103 apeleze la b\u0103nci. Aceasta accelereaz\u0103 semnificativ \u00eencheierea tranzac\u021biilor, m\u0103re\u0219te sumele acestora \u0219i ajut\u0103 companiile s\u0103 \u00ee\u0219i extind\u0103 mai u\u0219or activitatea. <\/p>\n\n

\u00cen acest articol, vom examina \u00een detaliu esen\u021ba \u0219i avantajele solu\u021biilor financiare integrate. Ve\u021bi afla despre principalele lor tipuri \u0219i ve\u021bi vedea exemple de integrare real\u0103 a noilor tehnologii \u00een afacerile ucrainene. Acest material va fi util \u00een primul r\u00e2nd companiilor care sunt furnizori de echipamente, materiale de sem\u0103nat, piese de schimb, servicii inovatoare \u0219i alte bunuri \u0219i servicii \u00een sectorul agricol. <\/p>\n\n

Ce sunt finan\u021bele integrate<\/h2>\n\n

Embedded finances reprezint\u0103 integrarea serviciilor financiare \u00een platforme digitale din diverse industrii, cum ar fi agricultura, comer\u021bul cu am\u0103nuntul, serviciile etc. De obicei, este vorba despre servicii precum pl\u0103\u021bi rapide, creditare, pl\u0103\u021bi \u00een rate, leasing, asigur\u0103ri \u0219i investi\u021bii. Dar aceast\u0103 list\u0103 se extinde constant datorit\u0103 dezvolt\u0103rii tehnologiei. <\/p>\n\n

Direc\u021bia inova\u021biilor financiare integrate a ap\u0103rut la \u00eenceputul anilor 2000. Amazon \u0219i PayPal au fost primele care au introdus solu\u021bii convenabile pentru pl\u0103\u021bi online \u0219i creditare instantanee. \u00cen anii 2010, aceast\u0103 tehnologie a ap\u0103rut \u00een ecosistemele Apple, Uber, Shopify, Airbnb \u0219i alte reprezentante ale afacerilor inovatoare moderne. <\/p>\n\n

Ast\u0103zi, finan\u021bele integrate (embedded finances) reprezint\u0103 o pia\u021b\u0103 dinamic\u0103 \u0219i extrem de competitiv\u0103, pe care activeaz\u0103 zeci de companii renumite \u0219i startup-uri ambi\u021bioase. Conform datelor agen\u021biei de consultan\u021b\u0103 Research and Markets<\/a>, valoarea acesteia este estimat\u0103 la 164,4 miliarde de dolari, iar p\u00e2n\u0103 \u00een 2029 exper\u021bii preconizeaz\u0103 o cre\u0219tere a acestei cifre la 534 de miliarde. Statisticile Future Market Insights<\/a> indic\u0103 faptul c\u0103 \u201elocomotivele\u201d acestui sector inovator sunt serviciile de creditare integrat\u0103 \u0219i plata \u00een rate. Volumul lor cre\u0219te anual cu aproape 20%, iar p\u00e2n\u0103 \u00een 2034 valoarea lor va atinge 45,7 miliarde de dolari. <\/p>\n\n

\"Ce<\/figure>\n\n

Avantajele finan\u021belor integrate<\/h2>\n\n
    \n
  1. Accesibilitatea serviciilor financiare<\/strong>. Datorit\u0103 noilor tehnologii, companiile care nu sunt institu\u021bii financiare pot oferi clien\u021bilor lor pl\u0103\u021bi \u00een rate, creditare, pl\u0103\u021bi rapide, asigur\u0103ri \u0219i alte produse similare. De exemplu, serviciul WEAGRO permite integrarea serviciului de plat\u0103 \u00een rate agricole \u00een aplica\u021bia mobil\u0103, \u00een magazinul online sau pe site. Accesul la acesta este asigurat automat \u2014 nu este nevoie s\u0103 completa\u021bi \u0219i s\u0103 trimite\u021bi fiecare cerere manual. <\/li>\n\n\n\n
  2. Confort pentru clien\u021bi<\/strong>. Pentru a ob\u021bine plata \u00een rate, a efectua o plat\u0103 sau a utiliza alte servicii, utilizatorii nu trebuie s\u0103 p\u0103r\u0103seasc\u0103 platforma, deschiz\u00e2nd alte site-uri, lans\u00e2nd aplica\u021bii sau sun\u00e2nd la banc\u0103. Finan\u021bele integrate permit efectuarea acestora pe pagina curent\u0103, simplific\u00e2nd procesul de v\u00e2nzare \u0219i reduc\u00e2nd num\u0103rul de pa\u0219i pentru finalizarea tranzac\u021biei. Acest lucru cre\u0219te rata de conversie \u0219i loialitatea clien\u021bilor, precum \u0219i \u00eembun\u0103t\u0103\u021be\u0219te reputa\u021bia brandului. <\/li>\n\n\n\n
  3. Optimizarea bugetelor<\/strong>. Mai multe tranzac\u021bii \u00eenseamn\u0103 venituri mai mari. \u00cen plus, companiile financiare ofer\u0103 adesea bonusuri suplimentare partenerilor activi. \u00cen acela\u0219i timp, tehnologiile embedded finances permit reducerea costurilor prin automatizarea \u0219i optimizarea multor procese de lucru. Dac\u0103 cererea este depus\u0103 \u0219i procesat\u0103 automat, nu este nevoie s\u0103 crea\u021bi posturi suplimentare pentru manageri de creditare. <\/li>\n\n\n\n
  4. Extinderea publicului \u021bint\u0103<\/strong>. Integr\u0103rile financiare integrate fac produsele scumpe mai accesibile pentru consumatori. De exemplu, oferind pe site-ul dumneavoastr\u0103 sau \u00een aplica\u021bia mobil\u0103 plata \u00een rate agricole de la serviciul online WEAGRO, pute\u021bi lucra nu doar cu \u00eentreprinderi mari, ci \u0219i cu gospod\u0103rii agricole mici. Acest lucru permite intrarea \u00een segmente noi, cresc\u00e2nd volumul v\u00e2nz\u0103rilor \u0219i evit\u00e2nd concuren\u021ba direct\u0103 cu companiile mai mari. <\/li>\n\n\n\n
  5. Personalizarea serviciilor<\/strong>. Sistemele de finan\u021be integrate colecteaz\u0103 informa\u021bii utile despre clien\u021bi. Acest lucru permite dezvoltarea de solu\u021bii individuale pentru fiecare dintre ei. Studiile Sender<\/a> arat\u0103 c\u0103 acest lucru influen\u021beaz\u0103 pozitiv conversia \u00een 84% din cazuri. Mai mult, ast\u0103zi aproximativ 71% dintre utilizatori nu sunt mul\u021bumi\u021bi dac\u0103 site-ul sau aplica\u021bia mobil\u0103 a v\u00e2nz\u0103torului nu con\u021bine nicio solu\u021bie personalizat\u0103. <\/li>\n<\/ol>\n\n

    Citi\u021bi de asemenea: <\/em>Factoringul \u0219i opera\u021biunile de factoring: ce este \u0219i cum func\u021bioneaz\u0103 \u00een Ucraina<\/em><\/a><\/p>\n\n

    Tipuri de finan\u021be integrate<\/h2>\n\n

    Mai sus am enumerat deja pe scurt serviciile prezentate ast\u0103zi \u00een segmentul embedded finances. Dar pentru a \u00een\u021belege esen\u021ba acestei tehnologii \u0219i tendin\u021be de afaceri, merit\u0103 s\u0103 le examin\u0103m mai detaliat. <\/p>\n\n

    Banking integrat<\/h3>\n\n

    O alt\u0103 denumire este \u201eBanking as a Service\u201d (BaaS). Dar aceast\u0103 denumire poate fi \u00een\u0219el\u0103toare, deoarece nu este vorba despre un serviciu specific, ci despre un serviciu complex. BaaS permite utilizatorilor unui site sau aplica\u021bii s\u0103 acceseze mai multe produse financiare, cum ar fi investi\u021bii, pl\u0103\u021bi \u0219i conturi de depozit. <\/p>\n\n

    Acesta este modul \u00een care func\u021bioneaz\u0103, de exemplu, parteneriatul dintre companiile Uber \u0219i Green Dot. Cea din urm\u0103 ac\u021bioneaz\u0103 ca furnizor de servicii financiare, permi\u021b\u00e2nd \u0219oferilor de taxi s\u0103 deschid\u0103 carduri direct \u00een aplica\u021bia mobil\u0103, s\u0103 transfere soldul \u00een depozite \u0219i s\u0103 primeasc\u0103 sfaturi privind utilizarea ra\u021bional\u0103 a fondurilor. Solu\u021bii similare pot fi v\u0103zute pe platforma Stripe, care a semnat un acord de parteneriat cu banca Goldman Sachs, precum \u0219i pe Airbnb, care permite proprietarilor de imobile s\u0103 deschid\u0103 instant conturi la JPMorgan Chase. <\/p>\n\n

    Pl\u0103\u021bi integrate<\/h3>\n\n

    Aceasta este cea mai popular\u0103 direc\u021bie de integrare a solu\u021biilor financiare integrate. Serviciile de plat\u0103 permit plata pentru bunuri \u0219i servicii cu o singur\u0103 atingere pe ecranul tactil. \u00cen multe cazuri, utilizatorul nu trebuie nici m\u0103car s\u0103 treac\u0103 prin autentificarea \u00een doi factori, ceea ce face procesul foarte rapid \u0219i confortabil. <\/p>\n\n

    Exist\u0103 multe exemple de astfel de integr\u0103ri. \u00cen principal, este vorba despre serviciile de plat\u0103 de top Google Pay \u0219i Apple Pay. Aceasta din urm\u0103 este utilizat\u0103 de 85% dintre retailerii din SUA, conform statisticilor dezvoltatorului s\u0103u<\/a>. \u00cen Ucraina, precum \u0219i \u00een \u021b\u0103rile din Asia \u0219i Africa, Google Pay este mai popular. Alte servicii similare cunoscute sunt PayPal, Marqeta, Klarna, Afterpay, Affirm, Braintree \u0219i WePay. <\/p>\n\n

    Plata \u00een rate<\/h3>\n\n

    Serviciul \u201ecump\u0103r\u0103 acum, pl\u0103te\u0219te mai t\u00e2rziu\u201d (buy now, pay later, BNPL). \u00cen segmentul B2B, se nume\u0219te factoring. \u00cen acesta, o ter\u021b\u0103 parte ac\u021bioneaz\u0103 ca garant, care pl\u0103te\u0219te v\u00e2nz\u0103torului suma necesar\u0103 \u0219i accept\u0103 pl\u0103\u021bi regulate de la client. V\u00e2nz\u0103torul pl\u0103te\u0219te comisioane pentru aceasta \u2014 un anumit procent din valoarea achizi\u021biei. Dar este convenabil \u0219i profitabil pentru el, deoarece \u00ee\u0219i extinde audien\u021ba \u0219i ob\u021bine noi acorduri care nu ar fi putut fi \u00eencheiate \u00een alt mod. <\/p>\n\n

    Citi\u021bi de asemenea: <\/em>Ce este plata \u00een rate: diferen\u021ba dintre credit \u0219i plata \u00een rate<\/em><\/a><\/p>\n\n

    Un exemplu de astfel de serviciu \u00een Ucraina este serviciul WEAGRO. Acesta permite simplificarea serviciului de plat\u0103 \u00een rate agricole pentru furnizorii care v\u00e2nd bunuri agricole fermierilor \u0219i \u00eentreprinderilor mari. <\/p>\n

    \n
    \n \n
    \n
    \n

    Deveni\u021bi partener<\/h4>\n

    Credit agricol pentru agrobusiness<\/h2> <\/div>\n \t\t\t\t\t\t\t <\/div>\n <\/div>\n<\/div>\n

    Creditare integrat\u0103 <\/h3>\n\n

    Automatizeaz\u0103 complet procesul de depunere a cererii la banc\u0103 sau alt\u0103 institu\u021bie financiar\u0103. F\u0103c\u00e2nd clic pe un buton \u0219i complet\u00e2nd un formular simplu, utilizatorul ini\u021biaz\u0103 procesul de scoring \u0219i evaluare a riscurilor. De obicei, r\u0103spunsul vine \u00een urm\u0103toarele c\u00e2teva minute. Cu o organizare corect\u0103 a procesului, \u00een acest timp clientul poate comunica cu managerul sau studia ofertele comerciale. Acest lucru permite men\u021binerea aten\u021biei sale \u0219i cre\u0219terea sumei poten\u021biale a tranzac\u021biei. <\/p>\n\n

    Printre solu\u021biile interna\u021bionale de top embedded finances se pot men\u021biona \u0219i Shopify Capital \u0219i Amazon Lending, care permit v\u00e2nz\u0103torilor s\u0103-\u0219i v\u00e2nd\u0103 produsele pe aceste platforme pe credit f\u0103r\u0103 a semna acorduri cu alte companii. <\/p>\n\n

    Asigurare integrat\u0103<\/h3>\n\n

    Un sistem care permite \u00eencheierea unei poli\u021be de asigurare pe l\u00e2ng\u0103 produsul principal. \u00cen turism, aceasta este asigurarea de via\u021b\u0103, bagaje \u0219i zboruri, \u00een imobiliare – asigurarea locuin\u021bei \u0219i a spa\u021biului comercial, \u00een v\u00e2nzarea de automobile – poli\u021bele CASCO \u0219i RCA. Avantajul const\u0103 \u00een faptul c\u0103 clientul nu trebuie s\u0103 apeleze la o companie financiar\u0103. Poli\u021ba este emis\u0103 instant \u0219i este livrat\u0103 \u00eempreun\u0103 cu produsul principal. <\/p>\n\n

    Unul dintre exemplele de top este programul Tesla Insurance. Asigurarea este oferit\u0103 nu \u00een showroom, ci direct \u00een software-ul ma\u0219inii electrice. Sistemul calculeaz\u0103 automat costul poli\u021bei, fran\u0219iza, suma de plat\u0103 \u0219i al\u021bi parametri. Pentru aceasta, evalueaz\u0103 sute de parametri, inclusiv stilul de condus \u0219i durata medie a c\u0103l\u0103toriilor. <\/p>\n\n

    Investi\u021bii integrate<\/h3>\n\n

    O direc\u021bie destul de nou\u0103 pe pia\u021ba finan\u021belor integrate, care se afl\u0103 \u00een stadiul de dezvoltare activ\u0103. Investi\u021biile integrate permit utilizatorilor s\u0103 investeasc\u0103 fonduri disponibile \u00een active valoroase care pot aduce venituri stabile. De obicei, astfel de platforme au servicii de consultan\u021b\u0103 \u00een investi\u021bii – cereri c\u0103tre exper\u021bi reali sau sfaturi bazate pe inteligen\u021b\u0103 artificial\u0103. <\/p>\n\n

    Un exemplu poate fi platforma Cash App Investing. Aceasta este integrat\u0103 \u00een diverse aplica\u021bii de plat\u0103. Folosind-o, utilizatorul poate vizualiza activele disponibile, nivelurile medii de rentabilitate \u0219i evalu\u0103rile riscurilor. Acest lucru \u00eei permite s\u0103 fac\u0103 alegerea corect\u0103, c\u00e2nt\u0103rind toate argumentele pro \u0219i contra. <\/p>\n\n

    Tendin\u021be \u00een finan\u021bele integrate pentru segmentul B2B<\/h2>\n\n
      \n
    1. Cre\u0219terea procentului de acoperire a pie\u021bei<\/strong>. Din ce \u00een ce mai multe companii utilizeaz\u0103 finan\u021be integrate pe site-urile lor, \u00een aplica\u021biile mobile, CRM, ERP \u0219i alte software-uri. Acest lucru le permite s\u0103 optimizeze procesele de afaceri, reduc\u00e2nd costurile \u0219i \u00eembun\u0103t\u0103\u021bind pozi\u021biile \u00een competi\u021bie. <\/li>\n\n\n\n
    2. Extinderea ecosistemelor financiare<\/strong>. Ast\u0103zi embedded finances nu \u00eenseamn\u0103 doar pl\u0103\u021bi rapide \u00eentr-un singur clic. Este vorba despre creditare, pl\u0103\u021bi \u00een rate, factoring \u0219i asigur\u0103ri online. Companiile care au implementat noile tehnologii cresc treptat num\u0103rul de servicii disponibile. <\/li>\n\n\n\n
    3. Automatizarea lan\u021burilor de aprovizionare<\/strong>. Finan\u021bele integrate pot fi utilizate pentru automatizarea pl\u0103\u021bilor pentru materii prime, materiale \u0219i alte resurse. De asemenea, optimizeaz\u0103 procesul de v\u00e2nzare a produselor finite. Acest lucru cre\u0219te eficien\u021ba tuturor proceselor de afaceri, reduce nivelul \u00eent\u00e2rzierilor \u0219i elimin\u0103 deficitul de resurse sau produse \u00een depozite. <\/li>\n\n\n\n
    4. Integrarea inteligen\u021bei artificiale<\/strong>. Tehnologiile de \u00eenv\u0103\u021bare automat\u0103 permit companiilor s\u0103 anticipeze \u0219i s\u0103 prevad\u0103 comportamentul clien\u021bilor \u2014 comenzile, nevoile \u0219i posibilit\u0103\u021bile lor. Datorit\u0103 acestui fapt, companiile pot oferi solu\u021bii personalizate, cresc\u00e2nd rata de conversie \u0219i valoarea medie a tranzac\u021biei. <\/li>\n\n\n\n
    5. Finan\u021bare descentralizat\u0103 (DeFi)<\/strong>. Utilizarea blockchain-ului ajut\u0103 la a face domeniul embedded finances \u0219i mai transparent \u0219i accesibil. Contractele smart \u0219i automatizate permit clientului s\u0103 lucreze direct cu furnizorul de servicii, f\u0103r\u0103 intermediari. Este mai rapid, mai avantajos \u0219i mai sigur. <\/li>\n\n\n\n
    6. Gestionarea capitalului de lucru<\/strong>. \u00cen prezent se creeaz\u0103 o serie de platforme pentru gestionarea capitalului de lucru, inclusiv pe baza inteligen\u021bei artificiale. Acestea permit prognozarea precis\u0103 a fluxurilor de numerar, automatizarea proces\u0103rii facturilor \u0219i controlul nivelului crean\u021belor. <\/li>\n<\/ol>\n\n

      Exemple de implementare a solu\u021biilor financiare integrate \u00een Ucraina<\/h2>\n\n
        \n
      1. WEAGRO<\/strong>. Un serviciu de plat\u0103 \u00een rate pentru agricultur\u0103 care permite fermierilor \u0219i exploata\u021biilor mari s\u0103 achizi\u021bioneze materii prime, utilaje, echipamente, semin\u021be \u0219i alte bunuri \u00een condi\u021bii avantajoase. Serviciul online ofer\u0103 plata \u00een rate f\u0103r\u0103 garan\u021bii \u0219i f\u0103r\u0103 necesitatea colect\u0103rii unor pachete voluminoase de documente. Aceasta este o oportunitate de a ob\u021bine finan\u021bare \u201e\u00een aceea\u0219i zi\u201d, \u00eencheind rapid o tranzac\u021bie avantajoas\u0103, f\u0103r\u0103 riscuri suplimentare. WEAGRO ajut\u0103 furnizorii s\u0103 creasc\u0103 v\u00e2nz\u0103rile \u00een medie cu 30%, s\u0103 extind\u0103 baza de clien\u021bi \u0219i s\u0103 \u00eembun\u0103t\u0103\u021beasc\u0103 reputa\u021bia pe o pia\u021b\u0103 extrem de competitiv\u0103. <\/li>\n\n\n\n
      2. eDilo<\/strong>. Serviciu universal de factoring online, potrivit pentru majoritatea companiilor din sectorul B2B. Aceast\u0103 solu\u021bie \u00een domeniul embedded finances este mai convenabil\u0103 dec\u00e2t produsele bancare clasice. Toate procesele din acesta, inclusiv verificarea contrapartidei \u0219i evaluarea riscurilor, sunt automatizate \u0219i transferate \u00een spa\u021biul online. Acest lucru permite evitarea a\u0219tept\u0103rii \u00eendelungate \u0219i a gr\u0103mezilor de documente. \u00cen plus, eDilo se integreaz\u0103 u\u0219or pe site-uri, \u00een aplica\u021bii mobile, magazine online \u0219i marketplace-uri. <\/li>\n\n\n\n
      3. \u201eNova Po\u0219ta\u201d<\/strong>. Propriul serviciu de finan\u021be integrate, NovaPay, permite companiei s\u0103 ofere o serie de servicii utile \u2014 pl\u0103\u021bi, transferuri de bani, achitarea cump\u0103r\u0103turilor \u0219i a coletelor etc. Doar \u00een prima jum\u0103tate a anului 2024, serviciul NovaPay<\/a> a procesat peste 193 de milioane de tranzac\u021bii \u00een valoare total\u0103 de 136,6 miliarde de grivne. <\/li>\n\n\n\n
      4. Rozetka<\/strong>. Marketplace-ul ofer\u0103 multe solu\u021bii \u00een domeniul finan\u021belor integrate \u2014 creditare, pl\u0103\u021bi \u00een rate, pl\u0103\u021bi \u0219i chiar asigur\u0103ri pentru electronice sau tehnic\u0103. Prin serviciul RozetkaPay<\/a> \u00een 2023 au trecut 25 de milioane de tranzac\u021bii. Lunar se conecteaz\u0103<\/a> aproximativ 1.000 de noi antreprenori. <\/li>\n\n\n\n
      5. Glovo<\/strong>. Serviciul de livrare prin curier lucreaz\u0103 activ \u0219i cu embedded finances. \u00cen special, ofer\u0103 o gam\u0103 larg\u0103 de sisteme de plat\u0103 \u00een aplica\u021bie. \u00cen plus, are programe de creditare pentru afacerile mici \u0219i carduri pentru curieri. <\/li>\n<\/ol>\n\n

        Perspective de dezvoltare a finan\u021belor integrate \u00een Ucraina<\/h2>\n\n

        \u00cen Ucraina s-au creat condi\u021bii unice pentru dezvoltarea sectorului embedded finances. \u00cen primul r\u00e2nd, este vorba despre afaceri progresive care utilizeaz\u0103 activ inova\u021biile tehnologice. Acest lucru este demonstrat de succesul produselor interne precum NovaPay \u0219i integrarea treptat\u0103 a furnizorilor externi – Revolut \u0219i al\u021bii. \u00cen al doilea r\u00e2nd, promovarea finan\u021belor integrate este influen\u021bat\u0103 pozitiv de industria IT puternic\u0103, care creeaz\u0103 aproximativ 4,5% din produsul intern brut al \u021b\u0103rii. \u00cen al treilea r\u00e2nd, este vorba despre sprijinul guvernamental pentru inova\u021bie – solu\u021bii precum Diia.City \u0219i programele de granturi accelereaz\u0103 semnificativ dezvoltarea acestei direc\u021bii. <\/p>\n\n

        Prin urmare, pentru Ucraina sunt pe deplin actuale previziunile McKinsey<\/a> conform c\u0103rora domeniul finan\u021belor integrate va cre\u0219te cu 20\u201325% anual. Agen\u021bia de consultan\u021b\u0103 prevede, de asemenea, c\u0103 \u00een 2030 aproximativ 50% din toate serviciile financiare vor fi furnizate tocmai prin embedded finances. <\/p>\n\n

        Serviciul online WEAGRO ofer\u0103 o solu\u021bie inovatoare pentru furnizorii de bunuri, materii prime, echipamente \u0219i produse agricole. Oferind servicii de factoring, permite achizi\u021bionarea acestor produse \u00een rate, f\u0103c\u00e2ndu-le mai accesibile chiar aici \u0219i acum. Ajut\u0103 furnizorii s\u0103 ating\u0103 un nivel de afaceri fundamental nou, cresc\u00e2nd v\u00e2nz\u0103rile, \u00eembun\u0103t\u0103\u021bind loialitatea clien\u021bilor \u0219i promov\u00e2nd brandul lor. <\/em><\/p>\n

        \n
        \n \n
        \n
        \n

        Deveni\u021bi partener<\/h4>\n

        Credit agricol pentru agrobusiness<\/h2> <\/div>\n \t\t\t\t\t\t\t <\/div>\n <\/div>\n<\/div>\n

        <\/p>","protected":false},"excerpt":{"rendered":"

        Finan\u021bele integrate (embedded finances) reprezint\u0103 una dintre tendin\u021bele de top \u00een dezvoltarea afacerilor \u00een anii 2020. Aceast\u0103 tehnologie ofer\u0103 companiilor \u0219i consumatorilor acces rapid la servicii financiare f\u0103r\u0103 a fi nevoie s\u0103 apeleze la b\u0103nci. Aceasta accelereaz\u0103 semnificativ \u00eencheierea tranzac\u021biilor, m\u0103re\u0219te sumele acestora \u0219i ajut\u0103 companiile s\u0103 \u00ee\u0219i extind\u0103 mai u\u0219or activitatea. \u00cen acest articol, […]<\/p>","protected":false},"author":26,"featured_media":5001,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[40],"tags":[],"class_list":["post-4999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategoriyi"],"acf":[],"yoast_head":"\nTransformarea tehnologiilor financiare prin solu\u021bii financiare integrate - WEAGRO<\/title>\n<meta name=\"description\" content=\"Finan\u021be integrate: ce sunt finan\u021bele integrate \u0219i care sunt avantajele lor. Tipuri \u0219i exemple de solu\u021bii financiare integrate. 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