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Banque et Finance

Aperçu du système financier

The health of the financial system of a economy is a key insight of it's potential, and attractiveness to both foreign and domestic investors.

Alors que les entrepreneurs sont le coeur et le cerveau du monde du capitalisme, le système financier est le sang qui le fait tourner, promouvant les idées à succès tout en filtrant les mauvaises.

Romania has seen a steady growdth in the quality of it's financial system, with more and more entepreneurs and investors teaming together to bring star ideas like UIPath or BitDefender.

Le secteur bancaire

La colonne vertébrale de tout système financier est son secteur bancaire, qui est mesurée par son efficacité dans la gestion des transactions quotidiennes et la variété des banques disponibles pour les entrepreneurs.

Ces solutions bancaires modernes permettent aux individus de gérer leurs finances à distance, nécessitant simplement un smartphone pour les activités bancaires quotidiennes.

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Les principaux acteurs du secteur bancaire

Banca Transilvania

  • Overview: Founded in 1994, Banca Transilvania has grown to become the largest bank in Romania in terms of asset value.
  • Services: Offers a wide range of services including corporate banking, SME banking, and personal banking solutions.
  • Initiatives numériquesLa banque a adopté la transformation numérique, offrant des solutions de banque en ligne et une application mobile conviviale pour Android et iOS.

BCR (Banca Comercială Română)

  • Overview: Established in 1990, BCR is one of the oldest and most trusted banks in Romania.
  • Services: Provides a comprehensive suite of banking services, from loans and mortgages to investment solutions.
  • Initiatives numériquesLa plateforme "George" de la BCR offre une expérience bancaire numérique moderne, intégrant des transactions en ligne, des outils de budgétisation, et plus encore.

ING Bank Romania

  • Overview: Filiale de la multinationale néerlandaise ING Group, elle a une forte présence en Roumanie, connue pour ses solutions bancaires innovantes.
  • Services: ING offers a mix of personal, business, and corporate banking services, with a focus on digital solutions.
  • Initiatives numériques: ING's mobile app and online platform are highly rated, offering features like instant payments, expense tracking, and investment options.
ING just added ApplePay to their services
Photo par CardMapr.nl / Unsplash

Revolut

  • Overview: Une entreprise britannique de technologie financière qui offre des services bancaires, Revolut a gagné en popularité en Roumanie pour son approche numérique.
  • Services: Des comptes multi-devises au trading de cryptomonnaies, Revolut propose une gamme diversifiée de services financiers modernes.
  • Initiatives numériques: Revolut's app-centric model allows users to manage their finances, make international transfers, and even access travel insurance, all from their smartphone.
Photo par Viktor Forgacs / Unsplash

CecBank

  • Overview: CecBank, founded in 1864, is one of Romania's oldest and most established banks. While it has a rich history, the bank has made significant strides in modernizing its services to cater to today's entrepreneurs.
  • Services: Beyond traditional banking, CecBank offers e-commerce payment solutions, online business accounts, and merchant services tailored for online businesses.
  • Initiatives numériques: CecBank's digital platform provides features like online account opening, simplified KYC processes for businesses, and integrations with major e-commerce platforms for seamless transactions.

Raiffeisen Romania

  • OverviewFaisant partie du groupe international Raiffeisen, Raiffeisen Roumanie est un acteur clé du secteur bancaire roumain depuis 1998. Reconnaissant le passage au numérique, la banque a revu ses services pour répondre aux besoins des entreprises modernes.
  • ServicesRaiffeisen propose des comptes spécialisés pour les entreprises en ligne, facilitant les transactions en ligne, les opérations de change et les intégrations e-commerce.
  • Initiatives numériques: The bank's "Raiffeisen Smart Mobile" app allows entrepreneurs to manage their finances on the go, with features like invoice scanning, real-time transaction alerts, and easy online payment solutions.
Raiffeisen Bank

Banque Zen (Zéro effort Non-banque)

  • OverviewZen Bank, nommée à juste titre pour ses solutions bancaires sans tracas, est un nouveau venu sur la scène financière roumaine.
  • Services: Zen Bank specializes in online payment gateways, simplified KYC for online businesses, and quick access to capital for e-commerce ventures.

    The offering Zen provides is a great one for e-commerce, due to instant reconciliation ensuring cashflow, and their minimal fees allowing you not to worry about losing money on large transactions.
  • Initiatives numériquesAvec une approche mobile-first, la plateforme de Zen Bank offre une configuration de compte instantanée, des intégrations avec les principaux outils de commerce électronique et des analyses pour aider les entrepreneurs à suivre et à optimiser leurs finances.

For digital entrepreneurs in Romania, the banking landscape offers a blend of traditional reliability and modern innovation. Whether you're running an e-commerce store, offering consulting services, or venturing into online education, there's a banking solution tailored to your needs. The key is to choose a bank or financial institution that aligns with your business model and growth aspirations.

Investment Opportunities and Loans

For many entrepreneurs, there comes a time when their business growth is stunted by the lack of liquidity required to scale. While the business shows promise and is quickly growing to being a highly profitable venture, the lack of capital to push into marketing or product growth is making it harder to stay competitive.

Because of that, entrepreneurs need to make sure their startups are able to get funded and to grow.

Prêts bancaires

While Romania's banks are clearly developed, only 29% of Romanians said they would turn to Bank Loans, often preferring to loan from a friend (47%). This has meant that the credit consumption in Romania was always lower than its European counterparts, with most enterprises preferring to focus on safe money from investors instead of getting loans.

This general lack of banking industry trust has also meant that banks became more wary of people seeking loans since this is often the last resort for many and a sign of diminishing returns. While Romania definitely wins in most places, getting credit for a new, untested venture is definitely not its forte.

Investisseurs & Capital Risque

Where Romania lacks in the offer of banks, it wins in terms of the potential to attract Investors & VC Funding, with the offering for investment being really high, and the amount of companies able to satisfy the investment demand too small.

Cela crée une opportunité pour les développeurs de startups étrangères, qui sont souvent plus fiables pour livrer, et ont un potentiel plus élevé pour obtenir des fonds afin de démarrer et de développer leur entreprise numérique.

Investisseurs & Capital Risque

Romania's position in Eastern Europe and its growing tech ecosystem have attracted the attention of investors and venture capitalists. The potential for startups, especially those in the digital domain, to secure funding is evident. Foreign entrepreneurs, with their diverse perspectives and innovative solutions, are particularly appealing to Romanian investors.

SeedBlink.io

  • Overview: SeedBlink.io stands as one of Romania's leading equity crowdfunding platforms, connecting innovative startups with a network of investors.
  • Spécialisation: The platform has a strong inclination towards tech startups, catering to sectors like e-commerce, ed-tech, and other digital ventures.
  • ProcessusSeedBlink.io propose un processus structuré pour les startups, y compris les étrangères, pour présenter leurs idées et attirer les investissements locaux.

GapMinder Venture Partners

  • OverviewGapMinder Venture Partners est une société de capital-risque notable en Roumanie, connue pour son soutien aux startups technologiques à différentes étapes de croissance.
  • Investissement FocusLeur portefeuille met en avant une préférence pour les entreprises digitales, les plateformes SaaS et les solutions fintech.
  • EngagementGapMinder ne fournit pas seulement du capital, mais aussi un mentorat et des conseils stratégiques à ses entreprises en portefeuille.
  • Startups étrangères: GapMinder's investment history indicates their interest in foreign startups that consider Romania as a potential market or development center.

Résumé et Conclusion

Nous croyons que la Roumanie est un grand espace pour le financement des entreprises numériques, être eux des entreprises de commerce électronique avec des idées innovantes, aux entreprises de technologie en SaaS, PaaS.

Il y a des dizaines de fonds de capital-risque impatients de financer tout ce qui est investissable, donc si vous avez une grande idée, il y a un potentiel pour vous!

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