{"id":218162,"date":"2023-07-24T08:30:00","date_gmt":"2023-07-24T08:30:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=218162"},"modified":"2023-07-24T08:30:00","modified_gmt":"2023-07-24T08:30:00","slug":"cash-is-king-in-bulgaria-la-gara-si-la-service-dar-si-in-criza","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=218162","title":{"rendered":"Cash is king \u00een Bulgaria, la gar\u0103 \u015fi la service, dar \u015fi \u00een criz\u0103"},"content":{"rendered":"

\nRecunosc c\u0103 m\u0103 num\u0103r printre cei care, din comoditate, prefer\u0103 s\u0103 foloseasc\u0103 pl\u0103\u0163ile digitale mai tot timpul. Totu\u015fi, anul acesta m-am confruntat deseori cu situa\u0163ia \u00een care s\u0103 trebuiasc\u0103 s\u0103 \u201edau o fug\u0103\u201d la bancomat \u2013 pentru c\u0103, se pare, \u201ecash is king\u201d \u2013 \u00een multe locuri din Rom\u00e2nia, dar \u015fi din afara ei. Recent, c\u00e2nd mi s-a cerut cash la un magazin de piese auto, c\u00e2t \u015fi la service, businessuri mici din Bucure\u015fti, nu am fost luat\u0103 prin surprindere. Pe de alt\u0103 parte, sunt surprins\u0103 de fiecare dat\u0103 c\u00e2nd ajung la vreo gar\u0103 din Harghita \u2013 Mure\u015f (nu generalizez, am p\u0103\u0163it asta de trei ori, \u00een perioade diferite) unde \u201esunt probleme cu cardul\u201d \u015fi e\u015fti privit ca o persona non grata pentru c\u0103 \u00eencerci s\u0103 revolu\u0163ionezi pl\u0103\u0163ile CFR. Totu\u015fi, asta se \u00eent\u00e2mpl\u0103 \u015fi la alte case \u015fi \u00een alte \u201epie\u0163e\u201d. Spre exemplu, am fost surprins\u0103 s\u0103 v\u0103d c\u0103 la un hotel din Bulgaria, pe timp de sear\u0103, pl\u0103\u0163ile cu cardul la barul restaurantului nu erau acceptate deloc (\u015fi nu era un hotel obscur, ci un business \u201eserios\u201d). Dar nu doar la vecinii no\u015ftri cunoscu\u0163i pentru faptul c\u0103 prefer\u0103 pl\u0103\u0163ile lichide stau a\u015fa lucrurile \u2013 \u00een aeroportul din Napoli am pl\u0103tit cu 1 euro mai mult un bilet de autocar, doar pentru c\u0103 am ales s\u0103 folosesc plata digital\u0103, iar \u00een provincia Emilia-Romagna, Florin Talpe\u015f a inspirat chiar \u015fi un articol \u00een presa interna\u0163ional\u0103 atunci c\u00e2nd a pl\u0103tit cash taxiurile invita\u0163ilor de la un eveniment organizat \u00een parteneriat cu Ferrari (de altfel, chiar el a exclamat atunci, \u201eCash is king\u201d). Chiar dac\u0103 e nepl\u0103cut s\u0103 \u0163i se impun\u0103 s\u0103 por\u0163i cash cu tine, trebuie s\u0103 nu uit\u0103m c\u0103, chiar \u015fi \u00een universul pl\u0103\u0163ilor digitale, nu e r\u0103u s\u0103 de\u0163ii \u015fi ni\u015fte economii \u00een cash. Cash-ul r\u0103m\u00e2ne cea mai folosit\u0103 form\u0103 de plat\u0103 \u015fi \u00een pie\u0163ele vestice potrivit unui studiu realizat de Banca Central\u0103 European\u0103 \u015fi publicat la \u00eenceputul acestui an, 60% dintre cet\u0103\u0163eni vor s\u0103 aib\u0103 \u00een continuare op\u0163iunea s\u0103 pl\u0103teasc\u0103 cash. Totu\u015fi, exist\u0103 o evolu\u0163ie – \u00een 2016 \u015fi 2019, 79% \u015fi 72% din totalul tranzac\u0163iilor la puncte de v\u00e2nzare cum ar fi magazinele sau restaurantele erau cash. \u00cen 2022, acest procent a sc\u0103zut p\u00e2n\u0103 la 59%.  Concluzia BCE, dar \u015fi a noastr\u0103, este c\u0103 un sistem de pl\u0103\u0163i s\u0103n\u0103tos garanteaz\u0103 accesul la diferite op\u0163iuni de plat\u0103, precum \u015fi libertatea de a alege \u2013 avantaje exist\u0103 pentru ambele tipuri de pl\u0103\u0163i.<\/p>\n

\nDincolo de discu\u0163ia despre sistemele de plat\u0103, s\u0103 ai bani la tine poate deveni extrem de important \u00een vremuri de criz\u0103. \u201eCash is king\u201d poate s\u0103 \u00eensemne diferite lucruri, ideea central\u0103 a expresiei este c\u0103 banii sunt mai valoro\u015fi dec\u00e2t alte forme de capital – companiile men\u0163in aceast\u0103 idee atunci c\u00e2nd de\u0163in lichidit\u0103\u0163i pentru a pl\u0103ti necesit\u0103\u0163i imediate cum ar fi achizi\u0163iile de echipamente, tehnologie, plata salaria\u0163ilor. Exist\u0103 posibilitatea de e\u015fec pentru o companie mai degrab\u0103 pentru c\u0103 nu are suficiente lichidit\u0103\u0163i versus c\u0103 nu face suficient profit. S\u0103 de\u0163ii mult cash poate s\u0103 fie un buffer care te ap\u0103r\u0103 \u00eempotriva pierderilor financiare \u015fi s\u0103 permit\u0103 op\u0163iunea achizi\u0163iei de active cu discount \u00een perioade de dificult\u0103\u0163i economice, de pild\u0103. \u00cen climatul economic actual, caracterizat \u00eenc\u0103 de incertitudine, importan\u0163a cash-ului nu poate fi subestimat\u0103, oric\u00e2t de tehnologiza\u0163i suntem. A\u015fadar, cu c\u00e2t ve\u0163i primi mai multe \u00eentreb\u0103ri legate de plata cu cash \u2013 s-ar putea s\u0103 fie din cauza micilor firme de a sim\u0163i acest buffer protector. Apoi, nu ar fi r\u0103u totu\u015fi s\u0103 ave\u0163i un buffer de acest tip \u015fi voi \u2013 la fel ca \u00een cazul unei companii, e posibil s\u0103 fie nevoie de mai mult\u0103 flexibilitate oferit\u0103 de lichiditatea \u201ebanilor de la saltea\u201d \u00een perioada urm\u0103toare.   \u25a0<\/p>\n

\n <\/p>\n

\nC\u00e2teva avantaje pentru pl\u0103\u0163ile cash:<\/strong><\/p>\n

\n1.<\/strong> Nu exist\u0103 riscul bre\u015felor de securitate –
\nsingura responsabilitate este a de\u0163in\u0103torilor;<\/p>\n

\n2.<\/strong> \u00cen mod psihologic, pare c\u0103 este mai greu pentru oameni s\u0103 cheltuie bani fizic, dec\u00e2t cu ajutorul cardului. De asemenea, dac\u0103 e\u015fti nevoit s\u0103 mergi la ATM ca s\u0103 sco\u0163i bani, e\u015fti nevoit s\u0103 te g\u00e2nde\u015fti un pic mai mult la cheltuielile pe care le faci;<\/p>\n

\n3.<\/strong> Mai pu\u0163in marketing: atunci c\u00e2nd pl\u0103te\u015fti cash, riscul s\u0103 fii \u00eentrebat de adresa ta de e-mail etc. este mai mic.<\/p>\n

\n <\/p>\n

\nC\u00e2teva avantaje ale pl\u0103\u0163ilor digitale:<\/strong><\/p>\n

\n1.<\/strong> Comoditatea – folosirea pl\u0103\u0163ilor digitale poate fi cel mai mare motivator pentru tranzac\u0163ii facile – de asemenea, exist\u0103 un risc mai mic ca banii fizici s\u0103 fie fura\u0163i sau pierdu\u0163i;<\/p>\n

\n2.<\/strong> Folosirea pl\u0103\u0163ilor digitale poate ajuta la o mai bun\u0103 monitorizare a cheltuielilor;<\/p>\n

\n3.<\/strong> Mai pu\u0163ini bani pierdu\u0163i din cauza restului – odat\u0103 ce pl\u0103te\u015fti cu cardul sau smartphone-ul, po\u0163i s\u0103 realizezi pl\u0103\u0163i fixe \u015fi s\u0103 evi\u0163i s\u0103 risipe\u015fti bani sau s\u0103 te \u00eencarci de m\u0103runt.<\/p>\n

\n <\/p>\n

\n\"\"<\/p>\n

\nIoana Matei este editor Business Magazin<\/strong><\/p>\n

\nioana.matei@businessmagazin.ro<\/em><\/p>\n

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

Recunosc c\u0103 m\u0103 num\u0103r printre cei care, din comoditate, prefer\u0103 s\u0103 foloseasc\u0103 pl\u0103\u0163ile digitale mai tot timpul. Totu\u015fi, anul acesta m-am confruntat deseori cu situa\u0163ia \u00een care s\u0103 trebuiasc\u0103 s\u0103 \u201edau o fug\u0103\u201d la bancomat \u2013 pentru c\u0103, se pare, \u201ecash is king\u201d \u2013 \u00een multe locuri din Rom\u00e2nia, dar \u015fi din afara ei. Recent, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,529,512],"tags":[82,55291,283,55293,7236,29444,55292],"class_list":["post-218162","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-opinii","category-revista-bm","tag-bani","tag-cash-is-king-in-bulgaria","tag-cheltuieli","tag-dar-si-in-criza","tag-editorial","tag-ioana-matei","tag-la-gara-si-la-service"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/218162","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=218162"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/218162\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=218162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=218162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=218162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}