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Cuvinte cheie
Cardul  cc "cc  c$  cc  c c   c c " c% &cc  c
"  c c c c  c c c cc  c cc cc  c c  cc c c  c c
$ c'(cccc'(c)c cc)*c
Electronic banking  +c cc cc%"$ +&c c  +c,- c cc cc
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2 c /2c $ .-1c $  c  +c / c $ .-1c c $  c  c c $  c c
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PC banking  +c c " +c c c $  c  c  c c  +c  + c  $   c c c
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5 c   c  c "c   c +c  c   +c   c c  c +c "c c
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Cap.I. Utilizari ale monedei electronicec
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"c cc c" cc c$ " c" c cc""c c c $  c*c

1.1 Tipuri de monedă electronică


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1.2 Cine poate emite monedă electronică? cc
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Limite: +>   c " "c c "c ,c "c   c c  c c  c
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1.3 Funcţionarea cardului bancar


0  c $  c c" ccc " c c+c  c> c c c?@Acc
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Cap.II Moneda electronică sau e-money


2.1. Moneda elecronică ± Cardulc
0  c  c c  "c c  c c " c  c c  c  c   c c
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" c c  c   cc  *c

2.2. Tipurile de carduri


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2.3. Evolutia cardurilor in Romania
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cc c$  cc  c'@@Cc c  cc "$c'@@Fc"  c   c  c c
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Cap.III E-banking
3.1. Electronic banking
4c - c  c $ .- c  c c  c c %"$ &c  c c
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3.2. Impactul e-banking asupra serviciilor bancare tradiţionale
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c  c $ .-c c " c " c c 8c  c  c c  c c $ c c
3 cc *c
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c   c c c  $c c c  *c 4c   c   c $ c   c c c
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Cap. IV Studiu de caz: Banca BCR

4.1 Carduri de debit


a. BCR Maestro-lei
0   c
0=c  c cc cc$c - cc c cc,c cc3 -cc
, *c0  c c  c   ccc cc#c cc cc
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m   c   Mc c c  : c /  c c - c $ c c
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N  c#c # c   c/   1c
c0=+c
m   c c Mc c  c c c c  c c $c  # c ,c c c
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N  c#c   c0=*c

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*cc  c""c c ccc cc$c  # c cc(F@c *cc

b. BCR VISA Electron ± LEI


0   c
0=c>2
c! c cc cc$c - cc c cc,c cc3 -c
c, *c0  c c  c   ccc cc#c cc c
c $  ccc *c
0=c >2
c ! c  c c   c ,c ="8 c #c ,c  c c   c
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4c  c c  c  c,ccc 3 c c0=c c c  +ccc
cc "c  cc " cc c cc?@@c=;<c c" "cLc cc  c
c c'@*@@@c=;<c  c cc  c,3 cc c,c0=c c" c - 6  c
c"  $ c  # c  c0=c>2
c! +Rcc
m   c  Mccc : ccc
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c0=+c
m   c c Mc c  c c c c  c c $c  # c ,c c c
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N  c#c   c0=c

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0" c "  ccc'?c ccc c#cB@c ccc *cc
" c ""c c  3 c c c c c $c Kc   c B@c c  c c
c
cc c  cc cc *c
cc
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c. BCR VISA Clasic - EURO


0   c
0=c>2
c0 c cc cc$c"$ c - cc c cc,c!=cc
3 -c c , *c 0  c  c   c    c c  c   c c ,c
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c0 c,c
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cc  cc" c c$ " c/c="  c  c c -c c cc    c
  c c 1*+0c  ccc c cc c  c c c c/  c
c "1c  c c c "c c  c   c - c >2
*+ c "  $ c  # c
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c0 c,c!=c
Pc  c  Mccc : cc
N  c c # c   cc
c0=+c
Pc  cc Mcc cccc cc$c  # c,c cc
 3 c c0=c,c cc
N  c#c   c0=c

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c '(c  .-c 0=c #c 0 .c '(c  .-c
0=1c
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?c!=*cc " c"" cc 3 c ccc cc$c  c cc?@c!=c
c   c ""c c  c c c  c c $c  c  c c B@c !=*c 0"  c c
"  c c  c c  c c '?c :  c c c c c B@c :  c c
c *c0"  cc c  c c  c cc  c" c  cc c
c  c cc'A*c
c
4.2.Carduri de credit
c
a. POWERCARD BCR Standard
c 0   c
0 cccc02c" c,c=;<c $c -c> c: 0 c  c   cc
cc8  c ,cBCccL(c c/ c  c   c 1c cBCcc)(c c/ c  c
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Pc c c" c  +c
Pc  c c c c ,  c   c ,c 9c c c c  c 555*$*+Pc
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" c " " cc +c " "c'@*@@@c=;<c   c-  +c c'@*@@Bc=;<cc
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0"  c c c "c c   c  c c "  c  c c   c  c c
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b.BCR Mastercard Gold ± EURO
0   c
0 ccc" c,c!=;c  c   cccccc""c
B*@@@c !=c c  c c -  c c 8  c ,c BCc c L(c c / c   c   c  1c
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Pc c c" c  +c
Pc cccc,  c  c,c9c ccc  c555*$*+c
Pc -cc" cc c
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c  c  *c " c  c cc c
N c ccB*?@@c!=:c $ c" cB@c
c  :+c
Pc  Mcc
N  c0=c
cc   c  c   c   c$c c c c/ c" ccc
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 cc "$ c c ccc  c c cc
Pc $  c " c -  c c "c ""c c   c c c c c !=c c  c c
$c0=c  cc
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Pc 8c  cc c cc0  c
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c /Bc <0Nc Oc @@@Lc !=1c
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c
c c
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Pcc  c" cc$  cccFCFcAc: +c
Pcc  c-   ccc  cLCFcA: c
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c 0"  cc"c c  c c"c c"  cc "  c  c c
  c c c  " c cc(?c!=*c0" c  cc - c cc(c!=*c
c
c. BCR WIZZ AIR
0   c
0 c c c c 02c " c ,c =;<c $c -c 0 c   c    c c
cc8  c,cBCccL(c c/ c  c   c  cc1c cBCcc)(c c/ c
  c   c   c c 1c ,c   c   c -   c c c   *+ c c
  cc c="8c#c,c  cc c #  c - c 0 *c> $   c
  c ccc *c
0  c cc  c+c
Pc c c" c  +c
Pc cccc,  c  c,c9c ccc  c555*$*+c
Pc -cc" cc c
N c,c " c c(@Ac:c  cc  c  *c " c
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N c cc'*@@@c :c $ c" cc'@c  :+c
Pc  Mcc
N  c0=c
0cc -$  c c ccc" c" c c- cc)?@c :  *c
+" c"" cc c?@@c=;<c

  6c
c  c c Bc =;<c 3 c c " c  c c  c  c c c
c"#c'c<0N!c cc cBc=;<c3 cc 3 c cEc

c" c(c<0N!c/B@@c<0N!cOcBc=;<1*c c " ccc  cc c


c   c c   c c c c   c c 3  c c c Ec
c $ c c
c c$ - 6c c 3"$ c"c*cc
@c=;<c cc cc$  cc cEc
c 3 cc c+@Ac
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?c Mc,c c$8 c c@Ac   cc  c c c" c  cc
 c#c  :+!  ccc- c  " c  c c  cc  +c
c 9$  cccc+c
Pcc  c" cc$  ccc'L'LccA: +c
Pcc  c-   ccc  c'B'LccA: c
0"  c
0"  cc"c c  c c cc'(cc *cc
0"  cc "   c  c c  c c c  " c ccLcc *c
c
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CONCLUZII
   
  c c c -c,c" c c  c cc  c"c$ c
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