{"id":212678,"date":"2023-02-01T13:31:01","date_gmt":"2023-02-01T13:31:01","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=212678"},"modified":"2023-02-01T13:31:01","modified_gmt":"2023-02-01T13:31:01","slug":"emag-le-arunca-manusa-bancilor-de-acum-puteti-lua-credite-de-pana-la-10-000-de-lei-direct-la-emag-cu-pana-la-12-rate","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=212678","title":{"rendered":"eMAG le arunc\u0103 m\u0103nu\u015fa b\u0103ncilor. De acum pute\u0163i lua credite de p\u00e2n\u0103 la 10.000 de lei direct la eMAG, cu p\u00e2n\u0103 la 12 rate"},"content":{"rendered":"

\n\u2666<\/span><\/span> La un an de la lansare, un milion de clien\u0163i ai eMAG au deja acces la func\u0163ia de finan\u0163are, iar ponderea achizi\u0163iilor achitate astfel a ajuns la 6%.<\/strong><\/em><\/p>\n

\neMAG, cel mai mare retailer online de pe pia\u0163a local\u0103, are \u00een plan s\u0103 majoreze limitele de credit acordate utilizatorilor pentru cump\u0103r\u0103turi \u00een contul de client \u015fi s\u0103 creasc\u0103 \u015fi num\u0103rul de rate \u00een care sumele pot fi returnate, mutarea fiind preg\u0103tit\u0103 \u00een parteneriat cu procesatorul de pl\u0103\u0163i PayU, care e parte a aceluia\u015fi grup de firme.<\/p>\n

\n\u00cen prezent, aceast\u0103 facilitate – denumit\u0103 \u201eMy Wallet\u201c (\u201ePortofelul meu\u201c) – ofer\u0103 un credit care \u00een prezent ajunge la o limit\u0103 de cel mult 4.000 de lei, iar achizi\u0163iile pot fi achitate fie \u00een 4 rate (dintre care una la momentul plas\u0103rii comenzii), fie dup\u0103 30 de zile. Produsele pot fi achizi\u0163ionate fie de la eMAG, fie de la parteneri ai retailerului, dac\u0103 suma trece de 100 de lei. La un an de la lansarea func\u0163iei, ponderea achizi\u0163iilor realizate astfel a crescut, a spus \u00eentr-un interviu pentru ZF Tudor Manea, CEO al eMAG. \u201eCred c\u0103 ne apropiem de un procent de 6 % din toate v\u00e2nz\u0103rile care sunt finan\u0163ate prin prin My Wallet. Sunt peste un milion de oameni care au limite de credit acordate \u00een momentul de fa\u0163\u0103, consider c\u0103 este o zon\u0103 bun\u0103 de cre\u015ftere pentru  viitor.\u201c<\/p>\n

\nLimita de credit acordat\u0103 de PayU ar urma s\u0103 creasc\u0103 de aproximativ dou\u0103 ori, a explicat \u015feful eMAG. \u201eAnul acesta ne g\u00e2ndim \u00eempreun\u0103 cu PayU s\u0103 cre\u015ftem \u015fi limitele de creditare, dar pentru asta trebuie ni\u015fte aprob\u0103ri, pe care trebuie s\u0103 le ob\u0163in\u0103 PayU. Limitele de creditare vor cre\u015fte la 8.000 de lei – 10.000 de lei, practic se vor transforma \u00eentr-un credit de consum.\u201c \u015ei num\u0103rul de rate va cre\u015fte semnificativ, a ad\u0103ugat Tudor Manea. \u201ePl\u0103\u0163ile se vor putea \u00eemp\u0103r\u0163i \u00een 12 rate, adic\u0103 se va pl\u0103ti o rat\u0103 \u015fi vor mai r\u0103m\u00e2ne 11, iar din var\u0103, din iulie – august, vor cre\u015fte \u015fi limitele de credit.\u201c<\/p>\n

\nMutarea f\u0103cut\u0103 de eMAG, de a le acorda clien\u0163ilor credite disponibile direct din contul de client, va trezi probabil \u015fi un r\u0103spuns din partea b\u0103ncilor, care ar putea veni cu noi produse \u015fi rate mai mici ale dob\u00e2nzilor, estimeaz\u0103 Tudor Manea. \u201eSe va dezvolta mult zona aceasta, \u015fi \u00eentr-un fel e bine pentru c\u0103 va \u00eempinge \u015fi b\u0103ncile s\u0103 intre \u015fi ele \u00een hor\u0103, c\u0103 n-au cum altfel, trebuie s\u0103 intre \u015fi ele, s\u0103 vin\u0103 cu solu\u0163ii mai noi. P\u00e2n\u0103 la urm\u0103 aceast\u0103 competi\u0163ie o v\u0103d benefic\u0103 pentru economie \u015fi pentru consumatorul final. La un moment dat o s\u0103 \u00eenceap\u0103 \u015fi o b\u0103taie \u00een pre\u0163uri, \u015fi atunci utilizatorul final va pl\u0103ti o dob\u00e2nd\u0103 mai mic\u0103. P\u00e2n\u0103 la urm\u0103, acesta e rolul tehnologiei s\u0103 vin\u0103 s\u0103 disrup\u0103 ni\u015fte procese.\u201c<\/p>\n","protected":false},"excerpt":{"rendered":"

\u2666 La un an de la lansare, un milion de clien\u0163i ai eMAG au deja acces la func\u0163ia de finan\u0163are, iar ponderea achizi\u0163iilor achitate astfel a ajuns la 6%. eMAG, cel mai mare retailer online de pe pia\u0163a local\u0103, are \u00een plan s\u0103 majoreze limitele de credit acordate utilizatorilor pentru cump\u0103r\u0103turi \u00een contul de client […]<\/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":[33098,59,53970,30162,8443,37330],"class_list":["post-212678","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-credite-de-consum","tag-emag","tag-limitele-de-credit","tag-payu","tag-rate","tag-tudor-manea"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/212678","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=212678"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/212678\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=212678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=212678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=212678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}