\nDin pozi\u0163ia de cofondator \u015fi CEO al companiei Optimus Fintech, Sorin Mititelu spune c\u0103 businessul de retail pe pia\u0163a financiar\u0103 este \u00een transformare, iar acest segment va fi supus presiunilor \u015fi concuren\u0163ei datorit\u0103 tehnologiei, b\u0103ncile urm\u00e2nd s\u0103 piard\u0103 o parte din business.
\n\u201eViitorul b\u0103ncilor este plin de provoc\u0103ri. Nu numai c\u0103 se concureaz\u0103 \u00eentre ele, dar au parte \u015fi de o competi\u0163ie care se adreseaz\u0103 aceluia\u015fi segment \u0163int\u0103, cu alte produse \u015fi servicii dec\u00e2t sunt obi\u015fnuite b\u0103ncile s\u0103 ofere. Retailul va fi supus presiunilor, concuren\u0163ei datorit\u0103 tehnologiei. Businessul de retail pe pia\u0163a financiar\u0103 este \u00een transformare. B\u0103ncile vor pierde o parte din business\u201c.
\nFintech-urile devin un competitor al b\u0103ncilor, fiind mai aproape de nevoile clien\u0163ilor, av\u00e2nd \u00een vedere c\u0103 v\u00e2nd \u015fi un serviciu de consultan\u0163\u0103 financiar\u0103, apreciaz\u0103 Mititelu.<\/p>\n
\n\u201ePrin pozi\u0163ionarea al\u0103turi de clien\u0163i, fintech-urile reu\u015fesc s\u0103 scoat\u0103 din joc clasicii intermediari \u2013 b\u0103ncile. B\u0103ncile au un singur model de business. R\u0103m\u00e2ne de v\u0103zut dac\u0103 b\u0103ncile vor intra \u00een contact cu fintech-urile sau vor r\u0103m\u00e2ne simpli contabili. Fintech-urile oblig\u0103 b\u0103ncile s\u0103 se duc\u0103 mai mult spre clien\u0163i \u015fi din punctul de vedere al pre\u0163ului \u015fi din punctul de vedere al consisten\u0163ei produsului oferit.\u201c
\nCele dou\u0103 modele \u2013 credite de retail clasic \u015fi fintech \u2013 vor merge \u00eempreun\u0103 o perioad\u0103, \u00eens\u0103 \u00een timp fintech-urile vor \u201elua o bucat\u0103 semnificativ\u0103 din creditele de retail\u201c,sus\u0163ine Mititelu.<\/p>\n
\nO schimbare radical\u0103 ap\u0103rut\u0103 \u00een ultimii ani este intrarea \u00een sfera serviciilor bancare a unor juc\u0103tori \u201enetradi\u0163ionali\u201c cum ar fi marile platforme online sau operatorii de telecom. De exemplu, grupul francez Orange, liderul pie\u0163ei locale de telecom, a intrat pe segmentul transferurilor de bani cu serviciul Orange Money; gigantul francez vrea s\u0103 aib\u0103 \u015fi propria banc\u0103.
\nAbsolvent al Academiei de Studii Economice, Sorin Mititelu are o experien\u0163\u0103 de circa 20 de ani \u00een sistemul financiar, din care mai mult de un deceniu \u00een banking, \u00een special la BCR.
\nEl a ajuns la BCR \u00een 1999, pe pozi\u0163ia de manager de sucursal\u0103, dup\u0103 falimentul Bancorex pentru care a lucrat timp de \u015fase ani.
\nDin anul 1999, Sorin Mititelu a ocupat diverse pozi\u0163ii de conducere la nivelul sucursalelor \u015fi la nivel central \u00een cadrul BCR, cu o \u00eentrerupere de doi ani \u00eentre 2005 \u015fi 2007 – c\u00e2nd a fost \u015feful diviziei de retail la Banca Rom\u00e2neasc\u0103. \u00cen 2007, Mititelu a revenit la BCR, unde a de\u0163inut p\u00e2n\u0103 \u00een 2013 pozi\u0163ia de director executiv al Direc\u0163iei Managementul Segmentelor Retail, fiind responsabil cu strategii de business pentru persoane fizice.
\nC\u00e2nd era la BCR, \u00een 2012, Sorin Mititelu sus\u0163inea necesitatea restructur\u0103rii b\u0103ncilor \u015fi importan\u0163a digitaliz\u0103rii, anticip\u00e2nd c\u0103 b\u0103ncile vor accelera procesul de reducere a costurilor prin \u00eenchideri de sucursale \u015fi concedieri, \u00een condi\u0163iile \u00een care re\u0163elele sunt supradimensionate. El mai spunea c\u0103 modelul de business al b\u0103ncilor trebuie orientat tot mai clar c\u0103tre canalele alternative (internet \u015fi phone banking). Mititelu sus\u0163inea atunci c\u0103 pentru o banc\u0103 universal\u0103 retailul r\u0103m\u00e2ne baza afacerilor \u00een condi\u0163iile \u00een care marja de c\u00e2\u015ftig ridicat\u0103 \u00eel plaseaz\u0103 peste celelalte tipuri de business: corporate sau \u00eentreprinderi mici \u015fi mijlocii.
\n\u00cenainte de a fonda compania Optimus Fintech, Mititelu a condus BCR Asigur\u0103ri de Via\u0163\u0103 (companie controlat\u0103 de asigur\u0103torul austriac Vienna Insurance Group – VIG), din 2014 \u015fi p\u00e2n\u0103 la jum\u0103tatea anului 2017. El a preluat conducerea BCR Asigur\u0103ri de Via\u0163\u0103 c\u00e2nd compania era pe pierdere \u015fi \u00een cei trei ani \u015fi jum\u0103tate de mandat a reu\u015fit s\u0103 o aduc\u0103 pe profit \u015fi pe podium \u00een clasamentul asigur\u0103torilor de via\u0163\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"
Dup\u0103 ce a f\u0103cut carier\u0103 \u00een sectorul bancar \u015fi a lucrat c\u00e2\u0163iva ani \u00een asigur\u0103ri de via\u0163\u0103, Sorin Mititelu a decis s\u0103 fac\u0103 o mutare \u00een carier\u0103, r\u0103m\u00e2n\u00e2nd totu\u015fi \u00een pia\u0163a financiar\u0103. A ales sectorul fintech, care face concuren\u0163\u0103 din ce \u00een ce mai mult b\u0103ncilor, inclusiv pe partea de creditare retail.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[16061,11905,7267,5078,235,6553,272,6351,557,9108,11056,21507,7068,60,461,22479,399,315,22095],"class_list":["post-164818","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-alegere","tag-asigurari-de-viata","tag-banci","tag-bcr","tag-business","tag-cariera","tag-companie","tag-concurenta","tag-creditare","tag-decizie","tag-financiar","tag-mititelu","tag-mutare","tag-piata","tag-pierdere","tag-pozitie","tag-retail","tag-sector","tag-sectorul-bancar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/164818","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=164818"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/164818\/revisions"}],"predecessor-version":[{"id":164821,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/164818\/revisions\/164821"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=164818"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=164818"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=164818"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}