{"id":13466,"date":"2016-05-26T16:33:24","date_gmt":"2016-05-26T16:33:24","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/transfergo-si-noua-generatie-de-companii-de-transfer-de-bani"},"modified":"2025-05-15T11:29:43","modified_gmt":"2025-05-15T11:29:43","slug":"noua-generatie-de-companii-de-transfer-de-bani","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/noua-generatie-de-companii-de-transfer-de-bani","title":{"rendered":"TransferGo \u0219i noua genera\u021bie de companii de transfer de bani"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">TransferGo este o companie de transfer de bani interna\u021bional care ofer\u0103 servicii ieftine, pentru buzunarul oricui. <\/span>De\u0219i TransferGo lucrez\u0103 cu un num\u0103r semnificativ de businessuri, num\u0103rul cel mai mare de utilizatori ai acestui serviciu vine din r\u00e2ndul muncitorilor migran\u021bi \u0219i studen\u021bilor afla\u021bi \u00een alte \u021b\u0103ri care trimit bani acas\u0103.<\/p>\n\n\n\n<p>Companiile precum TransferGo se \u00eencadreaz\u0103 la categoria \u201coperatori de transfer de bani\u201d.<\/p>\n\n\n\n<p>Dac\u0103 este s\u0103 analiz\u0103m pu\u021bin acest segment lu\u00e2nd \u00een considerare defini\u021bia clasic\u0103 a serviciului financiar de acest gen, vedem cu u\u0219urin\u021b\u0103 cum <a href=\"https:\/\/www.transfergo.com\/ro\/\">TransferGo<\/a> este printre companiile care schimb\u0103 structura clasic\u0103 de lucru \u0219i vine \u00een sprijinul consumatorului mai mult \u0219i mai eficient dec\u00e2t se \u00eent\u00e2mpl\u0103 \u00een cazurile tradi\u021bionale.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Curprins<\/h2><nav><ul><li class=\"\"><a href=\"#o-privire-de-ansamblu-asupra-remiten\u021belor\">O privire de ansamblu asupra remiten\u021belor<\/a><\/li><li class=\"\"><a href=\"#cine-sunt-jucatorii-principali-\u0219i-despre-ce-costuri-este-vorba\">Cine sunt juc\u0103torii principali \u0219i despre ce costuri este vorba<\/a><\/li><li class=\"\"><a href=\"#impactul-comisioanelor\">Impactul comisioanelor<\/a><\/li><li class=\"\"><a href=\"#transfer-go\">TransferGo<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"o-privire-de-ansamblu-asupra-remiten\u021belor\"><strong>O privire de ansamblu asupra remiten\u021belor<\/strong><\/h2>\n\n\n\n<p>Majoritatea remiten\u021belor vin din bani trimi\u0219i acas\u0103 de c\u0103tre cei afla\u021bi \u00een str\u0103in\u0103tate. Potrivit B\u0103ncii Mondiale, totalul remiten\u021belor \u00eensumeaz\u0103 aproximativ &nbsp;\u00a3261 miliarde anual, sum\u0103 de trei ori mai mare dec\u00e2t bugetul global alocat ajutoarelor umanitare.<\/p>\n\n\n\n<p>Deseori \u00een aceste \u021b\u0103ri totalul remiten\u021belor este mai mare dec\u00e2t &nbsp;bugetul &nbsp;unui \u00eentreg sector economic.<\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Odat\u0103 cu globalizarea, digitalizarea financiar\u0103 este \u00eentr-o continu\u0103 cre\u0219tere, a\u0219a c\u0103 este de a\u0219teptat ca pia\u021ba transferurilor de bani online s\u0103 creasc\u0103 sim\u021bitor. <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cine-sunt-jucatorii-principali-\u0219i-despre-ce-costuri-este-vorba\"><strong>Cine sunt juc\u0103torii principali \u0219i despre ce costuri este vorba<\/strong><\/h2>\n\n\n\n<p>B\u0103ncile sunt primele care ne vine \u00een minte c\u00e2nd vine vorba de transfer de bani. \u0218i totu\u0219i \u00eentr-o lume at\u00e2t de avansat\u0103 tehnologic, folosirea serviciilor bancare este un proces greoi. Transferurile prin banc\u0103 sunt foarte complicate \u0219i scumpe. C\u00e2nd vine vorba de astfel de ac\u021biuni, b\u0103ncile nu sunt avantajoase: se pierde p\u00e2n\u0103 la 8% sau mai mult la fiecare transfer de bani. Asta se \u00eent\u00e2mpl\u0103 \u00een ciuda unui acord de principiu \u00eentre \u021b\u0103rile din G8 s\u0103 coboare comisionul perceput undeva la 5%.<\/p>\n\n\n\n<p>Al\u021bi doi mari operatori de transfer de bani sunt Western Union \u0219i Money Gram. Ace\u0219ti gigan\u021bi au mai mult de un milion de birouri \u0219i agen\u021bii \u00een \u00eentreaga lume. Comisioanele percepute de ace\u0219ti operatori au fost adesea descrise ca fiind neetic de scumpe \u0219i pot ajunge p\u00e2n\u0103 la fabulosul procent de 29%.<\/p>\n\n\n\n<p>Western Union \u0219i MoneyGram declar\u0103 \u00een leg\u0103tur\u0103 cu acest lucru c\u0103 taxele sunt necesare pentru a-\u0219i sus\u021bine infrastructura, costurile logistice \u0219i pentru a fi \u00een conformitate cu cerin\u021bele legale.<\/p>\n\n\n\n<p>Voci din industrie r\u0103spund spun\u00e2nd c\u0103 aceste comisioane mari nu sunt \u201cdoar datorit\u0103 costurilor logistice ci c\u0103 se profit\u0103 prea mult\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"impactul-comisioanelor\"><strong>Impactul comisioanelor<\/strong><\/h2>\n\n\n\n<p><em>Impactul comisioanelor percepute pentru a trimite bani acas\u0103 merge dincolo de pre\u021bul pl\u0103tit de client.<\/em><\/p>\n\n\n\n<p><strong>Din totalul remiten\u021belor, cea mai mare parte este trimis\u0103 de c\u0103tre muncitori care \u0219i-au p\u0103r\u0103sit \u021bara cu scopul clar de a \u00eembun\u0103t\u0103\u021bi via\u021ba familiior r\u0103mase acas\u0103.<\/strong><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">De exemplu, India prime\u0219te 12% din totalul global al remiten\u021belor \u0219i este urmat\u0103 \u00eendeaproape de \u021b\u0103ri din Africa. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Banca Mondial\u0103 sumarizeaz\u0103 cum comisioanele mari afecteaz\u0103 at\u00e2t pe cel care trimite ace\u0219ti bani c\u00e2t \u0219i pe destinatar. <\/span><\/p>\n\n\n\n<p><em>\u201c<strong>S\u0103 \u00eei for\u021bezi pe muncitorii migra\u021bi s\u0103 pl\u0103teasc\u0103 $50 atunci c\u00e2nd trimit o sum\u0103 de $200, este gre\u0219it mai ales c\u00e2nd trimit din salarii muncite tocmai cu scopul de a-\u0219i sprijini familia r\u0103mas\u0103 acas\u0103. Dou\u0103 sute de dolari este adesea o sum\u0103 semnificativ\u0103 pentru cei de acas\u0103. Se poate face \u00een a\u0219a fel \u00eenc\u00e2t ace\u0219ti bani s\u0103 r\u0103m\u00e2n\u0103 migran\u021bilor sau familiilor acestora \u0219i asta ar putea s\u0103 contribuie semnificativ la \u00eembun\u0103t\u0103\u021birea nivelului de trai \u0219i reducerea s\u0103r\u0103ciei \u00een \u021b\u0103rile de provenien\u021b\u0103<\/strong>\u201c<\/em>, spun oficialii B\u0103ncii Mondiale<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"transfer-go\"><b>TransferGo<\/b><\/h2>\n\n\n\n<p>TransferGo se afl\u0103 \u00een fruntea noii genera\u021bii de companii de transfer de bani.&nbsp;Compania crede c\u0103 atunci c\u00e2nd trimi\u021bi bani acas\u0103, procesul ar trebui s\u0103 fie rapid, sigur, simplu \u0219i mai ales ieftin.<\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Prin intermediul<strong> parteneriatelor cu b\u0103ncile din peste 30 de \u021b\u0103ri<\/strong>, TransferGo a construit o structur\u0103 local-in local out care face ca transferurile de bani s\u0103 fie rapide \u0219i uneori banii s-ajung\u0103 chiar \u00een aceea\u0219i zi. <\/span><\/p>\n\n\n\n<p>Ei au dovedit prin aceasta c\u0103 acele costuri logistice nu sunt o scuz\u0103 de care s\u0103 profi\u021bi \u0219i c\u0103 po\u021bi oferi clien\u021bilor un serviciu care s\u0103 \u00eei scuteasc\u0103 de p\u00e2n\u0103 la 90% din taxe dac\u0103 ar fi s\u0103 compar\u0103m cu metodele clasice de transfer de bani.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>TransferGo este o companie de transfer de bani interna\u021bional care ofer\u0103 servicii ieftine, pentru buzunarul oricui. De\u0219i TransferGo lucrez\u0103 cu un num\u0103r semnificativ de businessuri, num\u0103rul cel mai mare de utilizatori ai acestui serviciu vine din r\u00e2ndul muncitorilor migran\u021bi \u0219i studen\u021bilor afla\u021bi \u00een alte \u021b\u0103ri care trimit bani acas\u0103. Companiile precum TransferGo se \u00eencadreaz\u0103 la [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13467,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1314,1312],"tags":[],"business_case_studies_tags":[],"class_list":["post-13466","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri","category-transferuri-de-bani"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/noua-generatie-de-companii-de-transfer-de-bani","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"TransferGo \u0219i noua genera\u021bie de companii de transfer de bani","url":"http:\/\/www.transfergo.com\/ro\/noua-generatie-de-companii-de-transfer-de-bani","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/noua-generatie-de-companii-de-transfer-de-bani"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/money-transfers-1.jpg?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/money-transfers-1.jpg"},"articleSection":"\u015etiri","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2016-05-26T16:33:24Z","datePublished":"2016-05-26T16:33:24Z","dateModified":"2025-05-15T11:29:43Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"TransferGo \\u0219i noua genera\\u021bie de companii de transfer de bani\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/noua-generatie-de-companii-de-transfer-de-bani\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/noua-generatie-de-companii-de-transfer-de-bani\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/money-transfers-1.jpg?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/money-transfers-1.jpg\"},\"articleSection\":\"\\u015etiri\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2016-05-26T16:33:24Z\",\"datePublished\":\"2016-05-26T16:33:24Z\",\"dateModified\":\"2025-05-15T11:29:43Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/money-transfers-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13466","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/comments?post=13466"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13466\/revisions"}],"predecessor-version":[{"id":248998,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/13466\/revisions\/248998"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/13467"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=13466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=13466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=13466"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=13466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}