{"id":1613,"date":"2024-03-25T21:04:13","date_gmt":"2024-03-25T21:04:13","guid":{"rendered":"https:\/\/www.legaltobusiness.com\/?page_id=1613"},"modified":"2025-08-12T23:44:56","modified_gmt":"2025-08-12T20:44:56","slug":"banci-fintech","status":"publish","type":"page","link":"https:\/\/www.legaltobusiness.com\/en\/banci-fintech\/","title":{"rendered":"Banks | Fintech"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1613\" class=\"elementor elementor-1613\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb98598 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb98598\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7c81c7\" data-id=\"f7c81c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56a76ab elementor-widget elementor-widget-heading\" data-id=\"56a76ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.legaltobusiness.com\/index.php\/industrii\/\">Industries<\/a><\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb2f063 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"bb2f063\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon 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var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 252.94 133.88\"><defs><style>.cls-1{fill:#00b9b0;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><circle class=\"cls-1\" cx=\"23.52\" cy=\"9.12\" r=\"9.12\" transform=\"translate(-1.16 3.89) rotate(-9.22)\"><\/circle><path class=\"cls-1\" d=\"M165.55,107.34c-9.72-13.13-16.77-21.8-21.15-23.91q14.67-1.79,22.23-9a23.4,23.4,0,0,0,7.57-17.53c0-5.87-1.94-9.85-5.79-14.07a32.6,32.6,0,0,0-15.17-9.11C148.54,32.3,142.78,32,136,32q11.61,1.23,15.81,6.25c3.68,4.42,5.52,12.53,5.52,19.89a30.65,30.65,0,0,1-1.62,10.64c-1.08,2.88-2.56,6.27-4.44,8S146.9,81,143.87,81.9a44.15,44.15,0,0,1-10.73,1.71c-2.15.11-4.25.2-6.32.27a9.35,9.35,0,0,1,4.78,2c1.34,1,3.77,3.6,7.32,7.94s7,10,10.27,14.68c10.3,14.82,17.93,21.87,22.92,25.37h28.18v-.39a28.11,28.11,0,0,1-16.06-5.24Q177.44,123.32,165.55,107.34Z\"><\/path><path class=\"cls-1\" d=\"M34.78,130.73a7.63,7.63,0,0,1-3.28-5.28q-.7-3.58-.7-16.72V88.49H62.53V75.26H30.8V57.41q0-12.51.7-16.13a6.91,6.91,0,0,1,3-5,20.61,20.61,0,0,1,10.31-2.39h2.77v-.45H0v.45H1.55a21.2,21.2,0,0,1,10.11,2.28,6.67,6.67,0,0,1,3.2,4.73q.81,3.49.81,16.52v51.32q0,12.36-.58,16.18A8.11,8.11,0,0,1,12,130.58a16.14,16.14,0,0,1-9.56,2.85H0v.45H47.62v-.45H44A16.42,16.42,0,0,1,34.78,130.73Z\"><\/path><path class=\"cls-1\" d=\"M238.07,40.89a6.71,6.71,0,0,1,3.21-4.73,21.17,21.17,0,0,1,10.11-2.28h1.55v-.45H205.32v.45h2.77a20.61,20.61,0,0,1,10.31,2.39q2.35,1.4,3,5t.7,16.13V76.73H185V90h37.13v18.78q0,13.13-.7,16.72a7.7,7.7,0,0,1-3.28,5.28,16.42,16.42,0,0,1-9.22,2.7h-3.62v.45h47.62v-.45h-2.4a16.18,16.18,0,0,1-9.57-2.85,8.18,8.18,0,0,1-3.13-5.67q-.57-3.82-.57-16.18V57.41Q237.27,44.38,238.07,40.89Z\"><\/path><path class=\"cls-1\" d=\"M113.93,44.77l-6.22-14.9h-3L69.73,113l-4.79,12a14.45,14.45,0,0,1-4.36,5.84c-1.82,1.41-4.56,2.3-8.21,2.65v.39H93.5v-.39c-5,0-8.45-.36-10.23-1.1A4.36,4.36,0,0,1,80.61,128c0-1.14,1.19-5.57,3.56-11.17L95.86,88.49h20.59V75.26H101.33Z\"><\/path><\/g><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-430fcbb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"430fcbb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f06ae6c\" data-id=\"f06ae6c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79dd1d9 elementor-widget elementor-widget-text-editor\" data-id=\"79dd1d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>The National Bank of Romania is the central bank of Romania. It is an independent public institution, with its headquarters in the city of Bucharest.<\/p><p class=\" translation-block\">Starting from January 1, 2007, with Romania's accession to the European Union, the National Bank of Romania became a member of the European System of Central Banks  (<strong><strong style=\"color: #1cbbb4\">SEBC<\/strong><\/strong>), and the Governor of the BNR, a member of the General Council of the European Central Bank (<strong><strong style=\"color: #1cbbb4\">BCE<\/strong><\/strong>).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b91cce6 elementor-widget elementor-widget-text-editor\" data-id=\"b91cce6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe main attributions of the NBR\n<ul>\n \t<li>the development and application of the monetary policy and the exchange rate policy;<\/li>\n \t<li>authorization, regulation and prudential supervision of credit institutions, promotion and monitoring of the good functioning of payment systems to ensure financial stability;<\/li>\n \t<li>issuance of banknotes and coins as legal means of payment on the territory of Romania;<\/li>\n \t<li>establishing the currency regime and supervising its compliance;<\/li>\n \t<li>administration of Romania's international reserves.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12e312c elementor-widget elementor-widget-text-editor\" data-id=\"12e312c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The central bank has the exclusive competence of authorization and regulation in the banking field and is responsible for the prudential supervision of credit institutions, in order to ensure the operation and viability of the banking system.<\/p><p>Since December 2015, the BNR is the national resolution authority for the banking sector.<\/p><p class=\" translation-block\">The European Banking Authority (<strong><strong style=\"color: #1cbbb4\">EBA<\/strong><\/strong>) is an independent EU authority whose objective is to ensure an effective and consistent level of prudential regulation and supervision throughout the EU banking sector. Its general objectives are to maintain financial stability in the EU and ensure the integrity, efficiency and proper functioning of the banking sector.<\/p><p class=\" translation-block\">The EBA is part of the European System of Financial Supervisors (<strong><strong style=\"color: #1cbbb4\">SESF<\/strong><\/strong>), made up of three supervisory authorities: the European Securities and Markets Authority (<strong><strong style=\"color: #1cbbb4\">ESMA<\/strong><\/strong>), the European Banking Authority (EBA) and the European Occupational Insurance and Pensions Authority (<strong><strong style=\"color: #1cbbb4\">EIOPA<\/strong><\/strong>). The system also includes the European Committee for Systemic Risk (<strong><strong style=\"color: #1cbbb4\">ESRB<\/strong><\/strong>), as well as the Joint Committee of National and European Supervisory Authorities.<\/p><p>In the period January - December 2023, the current account of the balance of payments recorded a deficit of 22,694 million Euros, compared to 26,040 million Euros in the period January - December 2022. In its structure, the balance of goods recorded a deficit smaller by 2,990 million Euros, the balance of services recorded a larger surplus by 204 million Euros, the balance of primary incomes recorded a smaller deficit by 9 million Euros, and the balance of secondary incomes recorded a larger surplus by 143 million Euros.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7639c4 elementor-widget elementor-widget-image\" data-id=\"e7639c4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"284\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-1024x364.png\" class=\"attachment-large size-large wp-image-1621\" alt=\"Banc\u0103\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-1024x364.png 1024w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-300x107.png 300w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-768x273.png 768w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-18x6.png 18w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci.png 1234w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01451ab elementor-widget elementor-widget-text-editor\" data-id=\"01451ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Direct investments by non-residents <\/strong><\/strong>in Romania totaled 6.587 million Euros (compared to 10.039 million Euros in the period January - December 2022), of which equity participations (including estimated net reinvested profit) totaled a net value of 6.548 million Euros, and intragroup loans recorded a net value of 39 million Euros.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-440e4ab elementor-widget elementor-widget-text-editor\" data-id=\"440e4ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tBetween January and December 2023, the total external debt increased by 24.926 million Euros, up to 168.812 million Euros. In structure:\n<ul>\n \t<li>the long-term external debt amounted to 121,162 million Euros on December 31, 2023 (71.8 percent of the total external debt), increasing by 22.8 percent compared to December 31, 2022;<\/li>\n \t<li>the short-term external debt recorded on December 31, 2023 the level of 47,650 million Euros (28.2 percent of the total external debt), increasing by 5.3 percent compared to December 31, 2022.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3670d3c elementor-widget elementor-widget-text-editor\" data-id=\"3670d3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">The long-term external debt service rate <\/strong><\/strong>was 17.4 percent in the period January - December 2023, compared to 17.9 percent in 2022 .The degree of coverage of imports of goods and services as of December 31, 2023 was 5.6 months, compared to 4.4 months as of December 31, 2022.<\/p><p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">The degree of coverage of short-term external debt<\/strong><\/strong>, calculated at the residual value, with the foreign exchange reserves at the NBR on December 31, 2023 was 97.4 percent, compared to 82.4 percent on December 31, 2022.<\/p><p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\"> Credit Bureau <\/strong><\/strong>is an institution that has as shareholders 20 banks that collect information about the banks' customers in order to obtain a clear record of how in which installments are paid, who pays, who doesn't.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2447b3f elementor-widget elementor-widget-text-editor\" data-id=\"2447b3f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tYou end up on the list of the Credit Bureau if:\n<ul>\n \t<li>you are late with the payment of the installment for more than 30 calendar days<\/li>\n \t<li>the amount owed is greater than 10 lei<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-492c673 elementor-widget elementor-widget-text-editor\" data-id=\"492c673\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\">The bank will notify you with<strong> <strong style=\"color: #1cbbb4\">15 days in advance<\/strong><\/strong> that you are late with the payment of an installment and that it will transmit this information to the Credit Bureau.<\/p><p>If you need to avoid appearing with a negative history, you can submit a request to be removed from the blacklist and it's completely free. The condition for the bank to report you to the Credit Bureau is to be notified. So, there's no way you'll have any surprises and find out you're on the list and you had no idea.<\/p><p>You cannot ask the bank to be removed from the list, because the Credit Bureau is only a database, an intermediary between you and the bank. You must contact the Credit Bureau directly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8e96e6 elementor-widget elementor-widget-text-editor\" data-id=\"e8e96e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tUnforeseen situations may also arise in which you<strong> <strong style=\"color: #1cbbb4;\"><strong> <strong style=\"color: #1cbbb4\">request deletion from the database <\/strong><\/strong> <\/strong><\/strong>of the Credit Bureau:\n<ul>\n \t<li>Perhaps a material error has crept in and you can request deletion on this basis. For example, if the bank sent you the wrong CNP.<\/li>\n \t<li>If the bank that reported you failed to notify you at least 15 calendar days in advance.<\/li>\n \t<li>There are situations in which the bank may omit to write off the loan, even though the 4-year term has passed and the loan has been paid off.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-115c494 elementor-widget elementor-widget-text-editor\" data-id=\"115c494\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong><strong style=\"color: #1cbbb4;\">Credit score <\/strong><\/strong>\u00a0= The degree of risk based on which the bank decides whether to grant you the loan is indicated by a number between 300 and 850, which is called the FICO score. Basically, the score is a grade that you receive from the Credit Bureau and which takes into account several factors, such as:\n<ul>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Payment history<\/strong><\/strong>: it counts if you pay your debts on time and if you are in arrears or late, it counts the amounts owed and how long you have been late. Payment history is worth 35% of your FICO score.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Credits in progress<\/strong><\/strong>: the more credits you have in progress, the more question marks you will raise, the status of installments also matters or if you are late in paying installments. This index is worth 30% of the final score.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Length of history<\/strong><\/strong>: it will check how much time has passed since you received the first credit, the longer the length of time, with the more chances you have of getting a loan because your financial situation so far has not forced you to access a loan. This factor is worth 15% of your FICO score.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">New loans<\/strong><\/strong>: it checks which types of loans you have accessed recently, if in the last 5 years you have opened 2 loans for personal needs, and a mortgage loan, we can have a problem, considering that you contribute 40% of your income to pay the loans, you certainly have no way to access a new one. This index has a value of 10% of the total FICO score.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">Loan types<\/strong><\/strong>: the score will also be influenced by the types of loans you have accessed over time (loan personal needs, mortgage loan, car loan, etc.). This factor adds up to your total FICO score and represents the last 10%.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ce56a65 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ce56a65\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f9b6e8 elementor-widget elementor-widget-template\" data-id=\"8f9b6e8\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"537\" class=\"elementor elementor-537\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c1293ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c1293ef\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e1a959\" data-id=\"1e1a959\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4384bc83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4384bc83\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-622f0363\" data-id=\"622f0363\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63de2ff7 elementor-widget elementor-widget-heading\" data-id=\"63de2ff7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Industries<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16dd4857 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" 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elementor-section-height-default\" data-id=\"f6863ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3507d19\" data-id=\"3507d19\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-46d4dd0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46d4dd0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3461128\" data-id=\"3461128\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5edbd05 elementor-widget elementor-widget-icon-box\" data-id=\"5edbd05\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.legaltobusiness.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-box.min.css\">\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h2 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tArticles on the subject\t\t\t\t\t<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb6eeba elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"bb6eeba\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 252.94 133.88\"><defs><style>.cls-1{fill:#00b9b0;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><circle class=\"cls-1\" cx=\"23.52\" cy=\"9.12\" r=\"9.12\" transform=\"translate(-1.16 3.89) rotate(-9.22)\"><\/circle><path class=\"cls-1\" d=\"M165.55,107.34c-9.72-13.13-16.77-21.8-21.15-23.91q14.67-1.79,22.23-9a23.4,23.4,0,0,0,7.57-17.53c0-5.87-1.94-9.85-5.79-14.07a32.6,32.6,0,0,0-15.17-9.11C148.54,32.3,142.78,32,136,32q11.61,1.23,15.81,6.25c3.68,4.42,5.52,12.53,5.52,19.89a30.65,30.65,0,0,1-1.62,10.64c-1.08,2.88-2.56,6.27-4.44,8S146.9,81,143.87,81.9a44.15,44.15,0,0,1-10.73,1.71c-2.15.11-4.25.2-6.32.27a9.35,9.35,0,0,1,4.78,2c1.34,1,3.77,3.6,7.32,7.94s7,10,10.27,14.68c10.3,14.82,17.93,21.87,22.92,25.37h28.18v-.39a28.11,28.11,0,0,1-16.06-5.24Q177.44,123.32,165.55,107.34Z\"><\/path><path class=\"cls-1\" d=\"M34.78,130.73a7.63,7.63,0,0,1-3.28-5.28q-.7-3.58-.7-16.72V88.49H62.53V75.26H30.8V57.41q0-12.51.7-16.13a6.91,6.91,0,0,1,3-5,20.61,20.61,0,0,1,10.31-2.39h2.77v-.45H0v.45H1.55a21.2,21.2,0,0,1,10.11,2.28,6.67,6.67,0,0,1,3.2,4.73q.81,3.49.81,16.52v51.32q0,12.36-.58,16.18A8.11,8.11,0,0,1,12,130.58a16.14,16.14,0,0,1-9.56,2.85H0v.45H47.62v-.45H44A16.42,16.42,0,0,1,34.78,130.73Z\"><\/path><path class=\"cls-1\" d=\"M238.07,40.89a6.71,6.71,0,0,1,3.21-4.73,21.17,21.17,0,0,1,10.11-2.28h1.55v-.45H205.32v.45h2.77a20.61,20.61,0,0,1,10.31,2.39q2.35,1.4,3,5t.7,16.13V76.73H185V90h37.13v18.78q0,13.13-.7,16.72a7.7,7.7,0,0,1-3.28,5.28,16.42,16.42,0,0,1-9.22,2.7h-3.62v.45h47.62v-.45h-2.4a16.18,16.18,0,0,1-9.57-2.85,8.18,8.18,0,0,1-3.13-5.67q-.57-3.82-.57-16.18V57.41Q237.27,44.38,238.07,40.89Z\"><\/path><path class=\"cls-1\" d=\"M113.93,44.77l-6.22-14.9h-3L69.73,113l-4.79,12a14.45,14.45,0,0,1-4.36,5.84c-1.82,1.41-4.56,2.3-8.21,2.65v.39H93.5v-.39c-5,0-8.45-.36-10.23-1.1A4.36,4.36,0,0,1,80.61,128c0-1.14,1.19-5.57,3.56-11.17L95.86,88.49h20.59V75.26H101.33Z\"><\/path><\/g><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-63752d0 elementor-posts--align-center elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-invisible elementor-widget elementor-widget-posts\" data-id=\"63752d0\" data-element_type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:40,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;classic_columns&quot;:&quot;3&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.legaltobusiness.com\/wp-content\/plugins\/elementor-pro\/assets\/css\/widget-posts.min.css\">\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-925 post type-post status-publish format-standard has-post-thumbnail hentry category-asigurari category-banci category-imobile tag-bancar\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.legaltobusiness.com\/en\/acces-la-finantare\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"347\" height=\"231\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10.png\" class=\"attachment-medium_large size-medium_large wp-image-926\" alt=\"Acces la finan\u021bare. Finan\u021bare. UE. Uniune European\u0103\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10.png 347w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10-300x200.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.legaltobusiness.com\/en\/acces-la-finantare\/\" >\n\t\t\t\tAccess to funding\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t29 October 2014\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-945 post type-post status-publish format-standard has-post-thumbnail hentry category-agricultura category-arta-cultura category-asigurari category-banci category-comert category-compliance category-comunicatii-it category-contracte category-corporatii-societati category-date-personale category-divertisment-media category-dizolvare-lichidare category-due-diligence category-educatie category-energie category-fiscal category-fuziuni-achizitii category-imobile category-jocuri-de-noroc category-litigii-arbitraj-mediere category-mediul-inconjurator category-munca-protectie-sociala category-ong category-private-equity-venture-capital category-pro-bono category-proprietate-intelectuala category-sanatate-farmacie category-transporturi category-turism tag-societati\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.legaltobusiness.com\/en\/sediul-social-al-societatilor\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"347\" height=\"231\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15.png\" class=\"attachment-medium_large size-medium_large wp-image-947\" alt=\"Sediul social al societ\u0103\u021bilor. Business\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15.png 347w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15-300x200.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.legaltobusiness.com\/en\/sediul-social-al-societatilor\/\" >\n\t\t\t\tThe registered office of the company\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t1 September 2014\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Industrii Banca Na\u0163ional\u0103 a Rom\u00e2niei este banca central\u0103 a Rom\u00e2niei. Este o institu\u0163ie public\u0103 independent\u0103, cu sediul central \u00een municipiul Bucure\u015fti. \u00cencep\u00e2nd cu 1 ianuarie<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1613","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u0103nci | Fintech - Legal to Business<\/title>\n<meta name=\"description\" content=\"Banca Na\u0163ional\u0103 a Rom\u00e2niei este banca central\u0103 a Rom\u00e2niei.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legaltobusiness.com\/en\/banci-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u0103nci | Fintech - 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