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Devel Load (with references)

array:43 [
  "nid" => array:1 [
    0 => array:1 [
      "value" => "2229"
    ]
  ]
  "uuid" => array:1 [
    0 => array:1 [
      "value" => "f788c4a7-65ea-4dd4-882a-e07ebf7584ed"
    ]
  ]
  "vid" => array:1 [
    0 => array:1 [
      "value" => "2446"
    ]
  ]
  "langcode" => array:1 [
    0 => array:1 [
      "value" => "hu"
    ]
  ]
  "type" => array:1 [
    0 => array:3 [
      "target_id" => "article"
      "entity" => array:13 [
        "uuid" => "a02b1bec-e6c2-48d1-aaee-9e6ab150953c"
        "langcode" => "hu"
        "status" => true
        "dependencies" => array:1 [
          "module" => array:2 [
            0 => "menu_ui"
            1 => "scheduler"
          ]
        ]
        "third_party_settings" => array:2 [
          "menu_ui" => array:2 [
            "available_menus" => array:1 [
              0 => "main"
            ]
            "parent" => "main:"
          ]
          "scheduler" => array:12 [
            "expand_fieldset" => "when_required"
            "fields_display_mode" => "vertical_tab"
            "publish_enable" => true
            "publish_past_date" => "publish"
            "publish_past_date_created" => false
            "publish_required" => false
            "publish_revision" => false
            "publish_touch" => true
            "show_message_after_update" => true
            "unpublish_enable" => true
            "unpublish_required" => false
            "unpublish_revision" => false
          ]
        ]
        "_core" => array:1 [
          "default_config_hash" => "AeW1SEDgb1OTQACAWGhzvMknMYAJlcZu0jljfeU3oso"
        ]
        "name" => "Cikk"
        "type" => "article"
        "description" => null
        "help" => null
        "new_revision" => true
        "preview_mode" => 0
        "display_submitted" => true
      ]
      "bundle" => "node_type"
    ]
  ]
  "revision_timestamp" => array:1 [
    0 => array:1 [
      "value" => "1700651396"
    ]
  ]
  "revision_uid" => array:1 [
    0 => array:3 [
      "target_id" => "22217"
      "entity" => array:34 [
        "uid" => array:1 [
          0 => array:1 [
            "value" => "22217"
          ]
        ]
        "uuid" => array:1 [
          0 => array:1 [
            "value" => "e47fcb1d-23c3-4a3b-899a-9268764968f3"
          ]
        ]
        "langcode" => array:1 [
          0 => array:1 [
            "value" => "hu"
          ]
        ]
        "preferred_langcode" => array:1 [
          0 => array:1 [
            "value" => "hu"
          ]
        ]
        "preferred_admin_langcode" => []
        "name" => array:1 [
          0 => array:1 [
            "value" => "Kiss Olivér - koliver.01"
          ]
        ]
        "pass" => array:1 [
          0 => array:1 [
            "value" => "$2y$10$LBN7mGgmUSeOZVpdkSy2pepLMxX5eSbCQPhcpcKZSbX5lGn6cU09q"
          ]
        ]
        "mail" => array:1 [
          0 => array:1 [
            "value" => "oliver@szabadsag.ro"
          ]
        ]
        "timezone" => array:1 [
          0 => array:1 [
            "value" => "Europe/Bucharest"
          ]
        ]
        "status" => array:1 [
          0 => array:1 [
            "value" => "1"
          ]
        ]
        "created" => array:1 [
          0 => array:1 [
            "value" => "1456927888"
          ]
        ]
        "changed" => array:1 [
          0 => array:1 [
            "value" => "1701931928"
          ]
        ]
        "access" => array:1 [
          0 => array:1 [
            "value" => "1743773452"
          ]
        ]
        "login" => array:1 [
          0 => array:1 [
            "value" => "1743404572"
          ]
        ]
        "init" => []
        "roles" => array:1 [
          0 => array:3 [
            "target_id" => "content_editor"
            "entity" => array:10 [
              "uuid" => "e0497171-53d3-46c3-960a-e1c878e4b7c5"
              "langcode" => "hu"
              "status" => true
              "dependencies" => array:2 [
                "config" => array:14 [
                  0 => "filter.format.basic_html"
                  1 => "filter.format.full_html"
                  2 => "node.type.aprohirdetes"
                  3 => "node.type.article"
                  4 => "node.type.extra"
                  5 => "node.type.nevnapok"
                  6 => "node.type.newspaper"
                  7 => "node.type.packages"
                  8 => "node.type.page"
                  9 => "node.type.partner"
                  10 => "node.type.reklam"
                  11 => "taxonomy.vocabulary.aprohirdetes_kategoriak"
                  12 => "taxonomy.vocabulary.rovat"
                  13 => "taxonomy.vocabulary.tags"
                ]
                "module" => array:14 [
                  0 => "comment"
                  1 => "custom_tags_block"
                  2 => "field_permissions"
                  3 => "file"
                  4 => "filter"
                  5 => "membercheck"
                  6 => "node"
                  7 => "path"
                  8 => "scheduler"
                  9 => "shortcut"
                  10 => "statistics"
                  11 => "system"
                  12 => "taxonomy"
                  13 => "toolbar"
                ]
              ]
              "_core" => array:1 [
                "default_config_hash" => "Wur9kcEOwY1Jal81NssKnz3RhVJxAvBwyWQBGcA_1Go"
              ]
              "id" => "content_editor"
              "label" => "Content editor"
              "weight" => -7
              "is_admin" => false
              "permissions" => array:117 [
                0 => "access administration pages"
                1 => "access content"
                2 => "access content overview"
                3 => "access files overview"
                4 => "access shortcuts"
                5 => "access site in maintenance mode"
                6 => "access taxonomy overview"
                7 => "access toolbar"
                8 => "access user profiles"
                9 => "administer comments"
                10 => "administer member order entities"
                11 => "administer nodes"
                12 => "bypass node access"
                13 => "create article content"
                14 => "create extra content"
                15 => "create field_premium_tartalom"
                16 => "create field_public_author"
                17 => "create nevnapok content"
                18 => "create packages content"
                19 => "create page content"
                20 => "create partner content"
                21 => "create reklam content"
                22 => "create terms in aprohirdetes_kategoriak"
                23 => "create terms in rovat"
                24 => "create terms in tags"
                25 => "create url aliases"
                26 => "delete all revisions"
                27 => "delete any aprohirdetes content"
                28 => "delete any article content"
                29 => "delete any extra content"
                30 => "delete any file"
                31 => "delete any nevnapok content"
                32 => "delete any newspaper content"
                33 => "delete any packages content"
                34 => "delete any page content"
                35 => "delete any partner content"
                36 => "delete any reklam content"
                37 => "delete own aprohirdetes content"
                38 => "delete own article content"
                39 => "delete own extra content"
                40 => "delete own files"
                41 => "delete own nevnapok content"
                42 => "delete own newspaper content"
                43 => "delete own packages content"
                44 => "delete own page content"
                45 => "delete own partner content"
                46 => "delete own reklam content"
                47 => "delete terms in aprohirdetes_kategoriak"
                48 => "delete terms in rovat"
                49 => "delete terms in tags"
                50 => "edit any aprohirdetes content"
                51 => "edit any article content"
                52 => "edit any extra content"
                53 => "edit any nevnapok content"
                54 => "edit any newspaper content"
                55 => "edit any packages content"
                56 => "edit any page content"
                57 => "edit any partner content"
                58 => "edit any reklam content"
                59 => "edit field_fizetve"
                60 => "edit field_premium_tartalom"
                61 => "edit field_public_author"
                62 => "edit field_seeded"
                63 => "edit own aprohirdetes content"
                64 => "edit own article content"
                65 => "edit own comments"
                66 => "edit own extra content"
                67 => "edit own field_premium_tartalom"
                68 => "edit own field_public_author"
                69 => "edit own nevnapok content"
                70 => "edit own newspaper content"
                71 => "edit own packages content"
                72 => "edit own page content"
                73 => "edit own partner content"
                74 => "edit own reklam content"
                75 => "edit terms in aprohirdetes_kategoriak"
                76 => "edit terms in rovat"
                77 => "edit terms in tags"
                78 => "link to any page"
                79 => "manage custom tags block settings"
                80 => "revert all revisions"
                81 => "revert aprohirdetes revisions"
                82 => "revert article revisions"
                83 => "revert extra revisions"
                84 => "revert nevnapok revisions"
                85 => "revert packages revisions"
                86 => "revert page revisions"
                87 => "revert partner revisions"
                88 => "revert reklam revisions"
                89 => "schedule publishing of nodes"
                90 => "use text format basic_html"
                91 => "use text format full_html"
                92 => "view all revisions"
                93 => "view aprohirdetes revisions"
                94 => "view article revisions"
                95 => "view extra revisions"
                96 => "view field_fizetve"
                97 => "view field_kiemelt_ido"
                98 => "view field_premium_ervenyesseg"
                99 => "view field_premium_tartalom"
                100 => "view field_print_elofizetes"
                101 => "view field_seeded"
                102 => "view member order entities"
                103 => "view nevnapok revisions"
                104 => "view own field_fizetve"
                105 => "view own field_kiemelt_ido"
                106 => "view own field_premium_tartalom"
                107 => "view own field_public_author"
                108 => "view own field_seeded"
                109 => "view own unpublished content"
                110 => "view packages revisions"
                111 => "view page revisions"
                112 => "view partner revisions"
                113 => "view post access counter"
                114 => "view reklam revisions"
                115 => "view scheduled content"
                116 => "view the administration theme"
              ]
            ]
            "bundle" => "user_role"
          ]
        ]
        "default_langcode" => array:1 [
          0 => array:1 [
            "value" => "1"
          ]
        ]
        "metatag" => array:3 [
          0 => array:2 [
            "tag" => "meta"
            "attributes" => array:2 [
              "name" => "title"
              "content" => "Kiss Olivér - koliver.01 | Szabadság"
            ]
          ]
          1 => array:2 [
            "tag" => "meta"
            "attributes" => array:2 [
              "name" => "description"
              "content" => "Szabadság"
            ]
          ]
          2 => array:2 [
            "tag" => "link"
            "attributes" => array:2 [
              "rel" => "canonical"
              "href" => "https://devel.szabadsag.ro/user/22217"
            ]
          ]
        ]
        "path" => array:1 [
          0 => array:1 [
            "langcode" => "hu"
          ]
        ]
        "feeds_item" => array:1 [
          0 => array:7 [
            "target_id" => "2"
            "imported" => "1699975287"
            "url" => null
            "guid" => null
            "hash" => "72fccc2e617ed8e5b0a2a192ca0a7fc2"
            "entity" => array:15 [
              "fid" => array:1 [
                0 => array:1 [
                  "value" => "2"
                ]
              ]
              "uuid" => array:1 [
                0 => array:1 [
                  "value" => "944943f0-631e-454f-9cf9-1b73b9c34271"
                ]
              ]
              "type" => array:1 [
                0 => array:3 [
                  "target_id" => "user_importer"
                  "entity" => array:18 [
                    "uuid" => "9e158bd0-316c-4e3d-9f42-75fbb4a4e0c9"
                    "langcode" => "hu"
                    "status" => true
                    "dependencies" => array:2 [
                      "config" => array:3 [
                        0 => "field.field.user.user.field_keresztnev"
                        1 => "field.field.user.user.field_vezeteknev"
                        2 => "field.field.user.user.user_picture"
                      ]
                      "module" => array:3 [
                        0 => "feeds_tamper"
                        1 => "phpass"
                        2 => "user"
                      ]
                    ]
                    "third_party_settings" => array:1 [
                      "feeds_tamper" => array:1 [
                        "tampers" => array:4 [
                          "a67303fe-d127-4b04-8101-a546a38f6a78" => array:7 [
                            "default_value" => "1"
                            "only_if_empty" => false
                            "uuid" => "a67303fe-d127-4b04-8101-a546a38f6a78"
                            "plugin" => "default_value"
                            "source" => "active"
                            "weight" => 0
                            "label" => "Set value or default value"
                          ]
                          "9004325e-27ff-419d-95e4-c2ea86b8f8e9" => array:6 [
                            "text" => "[lastname] [firstname] - [username]"
                            "uuid" => "9004325e-27ff-419d-95e4-c2ea86b8f8e9"
                            "plugin" => "rewrite"
                            "source" => "username"
                            "weight" => 0
                            "label" => "Rewrite"
                          ]
                          "779f897e-de8c-490e-9c66-7b3d6e9aedeb" => array:6 [
                            "text" => "https://uj.szabadsag.ro/sites/default/files/img/[image_id]"
                            "uuid" => "779f897e-de8c-490e-9c66-7b3d6e9aedeb"
                            "plugin" => "rewrite"
                            "source" => "image_id"
                            "weight" => 0
                            "label" => "Rewrite"
                          ]
                          "09a224c6-192c-4a58-91f9-2714864a1ad0" => array:7 [
                            "character" => ""
                            "side" => "trim"
                            "uuid" => "09a224c6-192c-4a58-91f9-2714864a1ad0"
                            "plugin" => "trim"
                            "source" => "username"
                            "weight" => 1
                            "label" => "Characters to trim"
                          ]
                        ]
                      ]
                    ]
                    "id" => "user_importer"
                    "label" => "User importer"
                    "description" => ""
                    "help" => ""
                    "import_period" => -1
                    "fetcher" => "upload"
                    "fetcher_configuration" => array:2 [
                      "allowed_extensions" => "txt csv tsv xml opml"
                      "directory" => "public://feeds"
                    ]
                    "parser" => "csv"
                    "parser_configuration" => array:3 [
                      "delimiter" => ","
                      "no_headers" => false
                      "line_limit" => 100
                    ]
                    "processor" => "entity:user"
                    "processor_configuration" => array:11 [
                      "values" => []
                      "langcode" => "hu"
                      "insert_new" => 1
                      "update_existing" => 2
                      "update_non_existent" => "_keep"
                      "skip_hash_check" => true
                      "authorize" => false
                      "revision" => false
                      "expire" => -1
                      "owner_feed_author" => false
                      "owner_id" => 0
                    ]
                    "custom_sources" => array:10 [
                      "userid" => array:4 [
                        "value" => "userid"
                        "label" => "userid"
                        "machine_name" => "userid"
                        "type" => "csv"
                      ]
                      "username" => array:4 [
                        "value" => "username"
                        "label" => "username"
                        "machine_name" => "username"
                        "type" => "csv"
                      ]
                      "created" => array:4 [
                        "value" => "created"
                        "label" => "created"
                        "machine_name" => "created"
                        "type" => "csv"
                      ]
                      "email" => array:4 [
                        "value" => "email"
                        "label" => "email"
                        "machine_name" => "email"
                        "type" => "csv"
                      ]
                      "lastname" => array:4 [
                        "value" => "lastname"
                        "label" => "lastname"
                        "machine_name" => "lastname"
                        "type" => "csv"
                      ]
                      "firstname" => array:4 [
                        "value" => "firstname"
                        "label" => "firstname"
                        "machine_name" => "firstname"
                        "type" => "csv"
                      ]
                      "password" => array:4 [
                        "value" => "password"
                        "label" => "password"
                        "machine_name" => "password"
                        "type" => "csv"
                      ]
                      1 => array:4 [
                        "value" => "1"
                        "label" => "1"
                        "machine_name" => "1"
                        "type" => "blank"
                      ]
                      "active" => array:4 [
                        "value" => "active"
                        "label" => "active"
                        "machine_name" => "active"
                        "type" => "blank"
                      ]
                      "image_id" => array:4 [
                        "value" => "image_id"
                        "label" => "image_id"
                        "machine_name" => "image_id"
                        "type" => "csv"
                      ]
                    ]
                    "mappings" => array:9 [
                      0 => array:4 [
                        "target" => "uid"
                        "map" => array:1 [
                          "value" => "userid"
                        ]
                        "settings" => []
                        "unique" => array:1 [
                          "value" => 1
                        ]
                      ]
                      1 => array:4 [
                        "target" => "name"
                        "map" => array:1 [
                          "value" => "username"
                        ]
                        "settings" => []
                        "unique" => []
                      ]
                      2 => array:3 [
                        "target" => "created"
                        "map" => array:1 [
                          "value" => "created"
                        ]
                        "settings" => array:1 [
                          "timezone" => "UTC"
                        ]
                      ]
                      3 => array:4 [
                        "target" => "field_vezeteknev"
                        "map" => array:1 [
                          "value" => "lastname"
                        ]
                        "settings" => array:1 [
                          "language" => null
                        ]
                        "unique" => []
                      ]
                      4 => array:4 [
                        "target" => "field_keresztnev"
                        "map" => array:1 [
                          "value" => "firstname"
                        ]
                        "settings" => array:1 [
                          "language" => null
                        ]
                        "unique" => []
                      ]
                      5 => array:3 [
                        "target" => "pass"
                        "map" => array:1 [
                          "value" => "password"
                        ]
                        "settings" => array:1 [
                          "pass_encryption" => "md5"
                        ]
                      ]
                      6 => array:3 [
                        "target" => "status"
                        "map" => array:1 [
                          "value" => "active"
                        ]
                        "settings" => []
                      ]
                      7 => array:4 [
                        "target" => "mail"
                        "map" => array:1 [
                          "value" => "email"
                        ]
                        "settings" => array:1 [
                          "defuse" => false
                        ]
                        "unique" => []
                      ]
                      8 => array:3 [
                        "target" => "user_picture"
                        "map" => array:3 [
                          "target_id" => "image_id"
                          "alt" => ""
                          "title" => ""
                        ]
                        "settings" => array:5 [
                          "language" => ""
                          "reference_by" => "fid"
                          "autocreate" => 0
                          "existing" => "2"
                          "autocreate_bundle" => false
                        ]
                      ]
                    ]
                  ]
                  "bundle" => "feeds_feed_type"
                ]
              ]
              "title" => array:1 [
                0 => array:1 [
                  "value" => "Felhasználó import"
                ]
              ]
              "uid" => array:1 [
                0 => array:3 [
                  "target_id" => "1"
                  "entity" => array:34 [
                    "uid" => array:1 [
                      0 => array:1 [
                        "value" => "1"
                      ]
                    ]
                    "uuid" => array:1 [
                      0 => array:1 [
                        "value" => "cdb88c70-80ba-4b0c-8ce8-25cc7b33f212"
                      ]
                    ]
                    "langcode" => array:1 [
                      0 => array:1 [
                        "value" => "hu"
                      ]
                    ]
                    "preferred_langcode" => array:1 [
                      0 => array:1 [
                        "value" => "hu"
                      ]
                    ]
                    "preferred_admin_langcode" => []
                    "name" => array:1 [
                      0 => array:1 [
                        "value" => "Kopacz Levente"
                      ]
                    ]
                    "pass" => array:1 [
                      0 => array:1 [
                        "value" => "$2y$10$ocHDQals4xLA7LRI6CLYHOQYQInSh4GtN0ofs/6Snaj5kgYKxjSIy"
                      ]
                    ]
                    "mail" => array:1 [
                      0 => array:1 [
                        "value" => "office@imageservices.ro"
                      ]
                    ]
                    "timezone" => array:1 [
                      0 => array:1 [
                        "value" => "Europe/Bucharest"
                      ]
                    ]
                    "status" => array:1 [
                      0 => array:1 [
                        "value" => "1"
                      ]
                    ]
                    "created" => array:1 [
                      0 => array:1 [
                        "value" => "1685971478"
                      ]
                    ]
                    "changed" => array:1 [
                      0 => array:1 [
                        "value" => "1747237364"
                      ]
                    ]
                    "access" => array:1 [
                      0 => array:1 [
                        "value" => "1754321991"
                      ]
                    ]
                    "login" => array:1 [
                      0 => array:1 [
                        "value" => "1754314741"
                      ]
                    ]
                    "init" => array:1 [
                      0 => array:1 [
                        "value" => "office@imageservices.ro"
                      ]
                    ]
                    "roles" => array:2 [
                      0 => array:3 [
                        "target_id" => "content_editor"
                        "message" => "Recursion detected."
                        "array_path" => "revision_uid.0.entity.roles.0.entity"
                      ]
                      1 => array:3 [
                        "target_id" => "administrator"
                        "entity" => array:10 [
                          "uuid" => "6b72c4a4-06c6-4b76-9694-e7f898c8188c"
                          "langcode" => "hu"
                          "status" => true
                          "dependencies" => array:1 [
                            "module" => array:1 [
                              0 => "field_permissions"
                            ]
                          ]
                          "_core" => array:1 [
                            "default_config_hash" => "OeKGIkmZA_c-t6QLH81WNQx8gDCc1MRmxaTuQgxBByU"
                          ]
                          "id" => "administrator"
                          "label" => "Adminisztrátor"
                          "weight" => -5
                          "is_admin" => true
                          "permissions" => array:5 [
                            0 => "create field_oldalak"
                            1 => "edit field_oldalak"
                            2 => "edit own field_oldalak"
                            3 => "view field_oldalak"
                            4 => "view own field_oldalak"
                          ]
                        ]
                        "bundle" => "user_role"
                      ]
                    ]
                    "default_langcode" => array:1 [
                      0 => array:1 [
                        "value" => "1"
                      ]
                    ]
                    "metatag" => array:3 [
                      0 => array:2 [
                        "tag" => "meta"
                        "attributes" => array:2 [
                          "name" => "title"
                          "content" => "Kopacz Levente | Szabadság"
                        ]
                      ]
                      1 => array:2 [
                        "tag" => "meta"
                        "attributes" => array:2 [
                          "name" => "description"
                          "content" => "Szabadság"
                        ]
                      ]
                      2 => array:2 [
                        "tag" => "link"
                        "attributes" => array:2 [
                          "rel" => "canonical"
                          "href" => "https://devel.szabadsag.ro/user/1"
                        ]
                      ]
                    ]
                    "path" => array:1 [
                      0 => array:1 [
                        "langcode" => "hu"
                      ]
                    ]
                    "feeds_item" => []
                    "field_address" => array:1 [
                      0 => array:1 [
                        "value" => "fsdgadsfgdaf 15"
                      ]
                    ]
                    "field_adoszam" => []
                    "field_impresszum" => array:1 [
                      0 => array:1 [
                        "value" => "0"
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      "value" => "<p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Az ut&oacute;bbi &eacute;vekben el&eacute;gg&eacute; gyorsan teret nyert a p&eacute;nzint&eacute;zetek digit&aacute;lis szolg&aacute;ltat&aacute;sainak a haszn&aacute;lta, amihez hozz&aacute;j&aacute;rult t&ouml;bbek k&ouml;z&ouml;tt a 2020 tavasz&aacute;n kezd&#337;d&ouml;tt koronav&iacute;rus-vil&aacute;gj&aacute;rv&aacute;ny is, amikor mindenki igyekezett a lehet&#337; legt&ouml;bb &uuml;gyint&eacute;z&eacute;st kontaktusmentesen lebonyol&iacute;tani, ami azt&aacute;n r&aacute;vil&aacute;g&iacute;tott az elj&aacute;r&aacute;s sz&aacute;mos el&#337;ny&eacute;re. </span><span style="color:#48484a;display:block;font-family:nerisblack;font-size:26px;line-height:32px;margin-bottom:26px;margin-top:8px;text-align:left;">Mivel fizet a Z gener&aacute;ci&oacute;?</span><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A leggyorsabban az &eacute;rint&eacute;ses bankk&aacute;rty&aacute;s fizet&eacute;s terjedt el, ilyen m&oacute;don ugyanis nem ker&uuml;lt&uuml;nk kapcsolatba a mindenki &aacute;ltal &ouml;sszefogott pap&iacute;r- vagy m&#369;anyagp&eacute;nzzel. Azt&aacute;n egyre ink&aacute;bb elterjedtek az okostelefonokra felinstall&aacute;lt digit&aacute;lis fizet&eacute;si szolg&aacute;ltat&aacute;sok: ma m&aacute;r az &uacute;gynevezett Z gener&aacute;ci&oacute; (az 1995-2009 k&ouml;z&ouml;tt sz&uuml;letettek) k&eacute;pvisel&#337;inek k&ouml;zel fele egy felm&eacute;r&eacute;s alkalm&aacute;val azt vallotta: a banki applik&aacute;ci&oacute;kkal fizet. </span><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Ugyanakkor a tizen&eacute;vesek csup&aacute;n 3 sz&aacute;zal&eacute;ka vallotta azt a Dynata k&ouml;zv&eacute;lem&eacute;ny-kutat&oacute; c&eacute;g munkat&aacute;rsainak, hogy bes&eacute;t&aacute;lt egy bankfi&oacute;kba, s a szem&eacute;lyzet seg&iacute;ts&eacute;g&eacute;vel int&eacute;zte el &uuml;gyes-bajos dolg&aacute;t. Egy kereskedelmi bank k&eacute;pvisel&#337;j&eacute;t &eacute;s a Rom&aacute;n Nemzeti Bank (BNR) vezet&#337;tan&aacute;cs&aacute;nak tagj&aacute;t is k&eacute;rdezt&uuml;k a t&eacute;m&aacute;ban.</span><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><span style="font-family: nerisblack; font-size: 26px; line-height: 32px; margin-bottom: 26px; margin-top: 8px;">Mindenki lelkesedett</span></span><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">&Aacute;talakul&oacute;ban vannak a fizet&eacute;si szok&aacute;saink: a Revolut sz&aacute;m&aacute;ra a Dynata k&ouml;zv&eacute;lem&eacute;ny-kutat&oacute; c&eacute;g &aacute;ltal id&eacute;n j&uacute;liusban 1000 feln&#337;tt szem&eacute;ly megk&eacute;rdez&eacute;s&eacute;vel v&eacute;gzett felm&eacute;r&eacute;s adatai szerint, a digit&aacute;lis banki &uuml;gyletek egyre nagyobb bizalomnak &ouml;rvendenek a lakoss&aacute;g k&ouml;r&eacute;ben.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Mint ismeretes, a Revolut a hagyom&aacute;nyos banki term&eacute;kek alternat&iacute;v&aacute;jak&eacute;nt jelent meg a piacon. Egy banki alkalmaz&aacute;s &eacute;s fizet&eacute;si k&aacute;rtya, amely azok sz&aacute;m&aacute;ra lett l&eacute;trehozva, akik egy olyan glob&aacute;lis p&eacute;nz&uuml;gyi szolg&aacute;ltat&oacute;ra v&aacute;gynak, aki rendelkezik azzal a rugalmass&aacute;ggal, amellyel a hagyom&aacute;nyos bankok nem.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A felm&eacute;r&eacute;s eredm&eacute;nye szerint digit&aacute;lis banki szolg&aacute;ltat&aacute;sok ir&aacute;nti lelkesed&eacute;st mindenik gener&aacute;ci&oacute; tagja osztotta, legyen sz&oacute; a Z, a millenniumi, a baby boomer valamint az X gener&aacute;ci&oacute; tagjair&oacute;l.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><span style="font-family: nerisblack; font-size: 26px; line-height: 32px; margin-bottom: 26px; margin-top: 8px;">Van, aki m&eacute;g a szem&eacute;lyes &uuml;gyint&eacute;z&eacute;st kedveli</span></span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A v&aacute;laszad&oacute;k k&ouml;zel fele a &bdquo;digit&aacute;lis bankokat&rdquo; prefer&aacute;lj&aacute;k, mert rugalmasak, lehet&#337;s&eacute;get biztos&iacute;tanak a rendelkez&eacute;sre &aacute;ll&oacute; p&eacute;nz ellen&#337;rz&eacute;s&eacute;re. &Eacute;rdekes, hogy az&eacute;rt m&eacute;g k&ouml;z&uuml;l&uuml;k is 4 sz&aacute;zal&eacute;k a p&eacute;nzt&aacute;rablakokn&aacute;l a banki alkalmazottakkal val&oacute; szem&eacute;lyes &uuml;gyint&eacute;z&eacute;st kedveli, ez az elj&aacute;r&aacute;s ugyanis nagyobb bizalmat ny&uacute;jt sz&aacute;mukra. </span><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Ugyanakkor 9 sz&aacute;zal&eacute;kuk az&eacute;rt haszn&aacute;lja az im&eacute;nt eml&iacute;tett m&oacute;dszert, mert tan&aacute;csot tud k&eacute;rni a p&eacute;nzint&eacute;zet alkalmazottj&aacute;t&oacute;l.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">&Eacute;rdekes megjegyezni, hogy a digit&aacute;lis vagy szem&eacute;lyesen lebonyol&iacute;tott banki szolg&aacute;ltat&aacute;sok vonatkoz&aacute;s&aacute;ban region&aacute;lis elt&eacute;r&eacute;sek vannak Rom&aacute;ni&aacute;n bel&uuml;l. A legt&ouml;bben az orsz&aacute;g nyugati r&eacute;gi&oacute;j&aacute;ban veszik ig&eacute;nybe a digit&aacute;lis banki szolg&aacute;ltat&aacute;sokat, m&iacute;g Havasalf&ouml;ld&ouml;n a bankfi&oacute;kban t&ouml;rt&eacute;n&#337; fizikai jelenl&eacute;t &eacute;s a digit&aacute;lis banki szolg&aacute;ltat&aacute;sok kett&#337;ss&eacute;ge a jellemz&#337;. </span><span style="color:#48484a;display:block;font-family:nerisblack;font-size:26px;line-height:32px;margin-bottom:26px;margin-top:8px;text-align:left;">Van, aki a p&eacute;nzt&aacute;rablakot venn&eacute; ig&eacute;nybe</span><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Az &eacute;szak-nyugati r&eacute;gi&oacute;ban tal&aacute;lhat&oacute; megy&eacute;kben a megk&eacute;rdezettek 15 sz&aacute;zal&eacute;ka nyilatkozta azt, hogy p&eacute;nzt&aacute;rablakn&aacute;l szereti lebonyol&iacute;tani a banki &uuml;gyleteket, ennek az elj&aacute;r&aacute;snak a legnagyobb ellenz&#337;i Bukarestben &eacute;s k&ouml;rny&eacute;k&eacute;n vannak.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Tov&aacute;bbi &eacute;rdekes adat, hogy a megk&eacute;rdezettek 42 sz&aacute;zal&eacute;k&aacute;nak k&eacute;t foly&oacute;sz&aacute;ml&aacute;ja van, &aacute;m a millenniumi gener&aacute;ci&oacute; ebben is vezet: 28 sz&aacute;zal&eacute;kuk azt nyilatkozta, hogy 3-5 banksz&aacute;ml&aacute;val is rendelkezik. Csup&aacute;n 3 sz&aacute;zal&eacute;kuk vallotta azt, hogy egy&aacute;ltal&aacute;n sincs banksz&aacute;ml&aacute;ja. </span><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A 35-44 &eacute;v k&ouml;z&ouml;ttiek csup&aacute;n 0,9 sz&aacute;zal&eacute;k&aacute;nak nincs foly&oacute;sz&aacute;ml&aacute;ja.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><img alt="" src="/sites/default/files/oldfiles/bankos.jpg"></span><strong>A banki alkalmazottakkal val&oacute; szem&eacute;lyes &uuml;gyint&eacute;z&eacute;s egyeseknek nagyobb biztons&aacute;got ny&uacute;jt</strong></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A Z gener&aacute;ci&oacute; tagjai k&ouml;z&uuml;l kett&#337;b&#337;l egynek install&aacute;lva van az okostelefonj&aacute;ra egy banki alkalmaz&aacute;s, m&iacute;g a 45 &eacute;v f&ouml;l&ouml;ttiek a klasszikus banki szolg&aacute;ltat&aacute;sokat &eacute;s az im&eacute;nt eml&iacute;tett fizet&eacute;si m&oacute;dszer kombin&aacute;ci&oacute;j&aacute;t alkalmazz&aacute;k.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><span style="font-family: nerisblack; font-size: 26px; line-height: 32px; margin-bottom: 26px; margin-top: 8px;">Seg&iacute;t ellen&#337;rizni a kiad&aacute;sokat</span></span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A pap&iacute;r- vagy m&#369;anyagalap&uacute; p&eacute;nz jelent&#337;s visszaszorul&aacute;sa el&#337;t&eacute;rbe hozta a k&ouml;lts&eacute;gek ellen&#337;rz&eacute;s&eacute;nek a k&eacute;rd&eacute;s&eacute;t. Kor&aacute;bban a p&eacute;nzt&aacute;rc&aacute;nkban l&eacute;v&#337; likvidit&aacute;s vizu&aacute;lis ellen&#337;rz&eacute;s&eacute;vel vagy a p&eacute;nz megsz&aacute;mol&aacute;s&aacute;val jobban kord&aacute;ban tudtuk tartani a kiad&aacute;sainkat, az &eacute;rint&eacute;ses bankk&aacute;rty&aacute;k &eacute;s az okostelefonokra felinstall&aacute;lt applik&aacute;ci&oacute;k viszont sokkal nehezebb&eacute; tett&eacute;k az &ouml;nkontrollt. A felm&eacute;r&eacute;s adatai szerint korban el&#337;rehaladva az emberek saj&aacute;t maguk, pap&iacute;ron sz&aacute;molj&aacute;k ki, &eacute;ppen hogyan &aacute;llnak a p&eacute;nzzel.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><img alt="" src="/sites/default/files/oldfiles/fejleces-banking.jpg"></span><strong>&Iacute;gy k&ouml;nnyebb, gyorsabb, de t&ouml;bb a vesz&eacute;ly is</strong></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Arra is kit&eacute;rtek a felm&eacute;r&eacute;sben, hogy jelent&#337;sen megn&#337;tt a millenniumi &eacute;s a Z gener&aacute;ci&oacute; online v&aacute;s&aacute;rl&aacute;si kedve: adatok szerint 83 sz&aacute;zal&eacute;kuk legal&aacute;bb havonta egyszer az internet r&eacute;v&eacute;n int&eacute;zi a v&aacute;s&aacute;rl&aacute;s&aacute;t. A fiatalok els&#337;sorban ruh&aacute;kat &eacute;s l&aacute;bbeliket, elektronikai &eacute;s sz&oacute;rakoztat&aacute;si cikkeket v&aacute;s&aacute;rolnak, ugyanakkor el&#337;z&#337;leg szint&eacute;n interneten keresnek r&aacute; a term&eacute;kekre. Azt szeretn&eacute;k, hogy valamennyi rendel&eacute;s folyamat&aacute;t ugyanazon az okostelefonos applik&aacute;ci&oacute;n k&ouml;vethess&eacute;k, &aacute;m egy ilyen alkalmaz&aacute;s egyel&#337;re nem &aacute;ll rendelkez&eacute;sre.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><span style="font-family: nerisblack; font-size: 26px; line-height: 32px; margin-bottom: 26px; margin-top: 8px;">OTP: az &aacute;tutal&aacute;sok k&ouml;zel 100 sz&aacute;zal&eacute;k online t&ouml;rt&eacute;nik</span></span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Nemr&eacute;g a magyar &eacute;rdekelts&eacute;g&#369; OTP bank digitaliz&aacute;ci&oacute;&eacute;rt felel&#337;s oszt&aacute;lyvezet&#337;je a businessmagazin.ro szakport&aacute;lnak azt nyilatkozta: k&uuml;l&ouml;n foglalkoznak az &uuml;gyfelekkel t&ouml;rt&eacute;n&#337; digit&aacute;lis interakci&oacute;val, ilyen p&eacute;ld&aacute;ul az internet banking, illetve a digit&aacute;lis al&aacute;&iacute;r&aacute;s alap&uacute; term&eacute;kbeszerz&eacute;s. Constantin Mare&#351; szerint a koronav&iacute;rus okozta j&aacute;rv&aacute;ny &bdquo;leny&#369;g&ouml;z&#337; hat&aacute;ssal&rdquo; volt a digitaliz&aacute;ci&oacute;s folyamatokra, illetve a banki tranzakci&oacute;kra.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A szakember adatai szerint az OTP bank rom&aacute;niai le&aacute;nyv&aacute;llalat&aacute;n&aacute;l 2019 v&eacute;g&eacute;n a banki tranzakci&oacute;kat k&ouml;zel 87 sz&aacute;zal&eacute;kban online v&eacute;gezt&eacute;k, &aacute;m 2020 v&eacute;g&eacute;re az ar&aacute;ny 98 sz&aacute;zal&eacute;kra n&ouml;vekedett.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">&ndash; Jelenleg az ar&aacute;ny 94 sz&aacute;zal&eacute;kn&aacute;l stabiliz&aacute;l&oacute;dott &ndash; jelentette ki Mare&#351;.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Szerinte az ugr&aacute;sszer&#369; n&ouml;veked&eacute;s, amelyet a t&aacute;volr&oacute;l biztos&iacute;tott gyors &uuml;gyf&eacute;lszolg&aacute;lat er&#337;s&iacute;t&eacute;se ellens&uacute;lyozott a chatbot bevezet&eacute;s&eacute;vel, amely t&ouml;bbek k&ouml;z&ouml;tt a havi hitelr&eacute;szlet &uacute;jra&uuml;temez&eacute;s&eacute;re volt alkalmas. &nbsp;&Uacute;gy v&eacute;li: a digit&aacute;lis &aacute;talakul&aacute;st csup&aacute;n a szakk&eacute;pzett hum&aacute;n er&#337;forr&aacute;shi&aacute;ny lass&iacute;thatja. Az emberdeficithez, mondta, az is hozz&aacute;j&aacute;rult, hogy liberaliz&aacute;lt&aacute;k az eur&oacute;pai munkaer&#337;-piacot.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><span style="font-family: nerisblack; font-size: 26px; line-height: 32px; margin-bottom: 26px; margin-top: 8px;">B&aacute;lint Csaba: a k&ouml;zponti bankok digit&aacute;lis p&eacute;nzt bocs&aacute;thatnak ki</span></span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">B&aacute;lint Csaba, a Rom&aacute;n Nemzeti Bank (BNR) igazgat&oacute;tan&aacute;cs&aacute;nak a tagja lapuknak kijelentette: a szem&eacute;lyi sz&aacute;m&iacute;t&oacute;g&eacute;pen, laptopon vagy telefonon futtatott internet bankingos vagy applik&aacute;ci&oacute;s tranzakci&oacute;k k&ouml;z&ouml;tt val&oacute;j&aacute;ban nincs k&uuml;l&ouml;nbs&eacute;g.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">&ndash; Ugyanazt az informatikai rendszert haszn&aacute;lj&aacute;k, csak m&aacute;s platformr&oacute;l. Egy harmadik f&eacute;l, teh&aacute;t nem maguk a bankok &aacute;ltal kifejlesztett applik&aacute;ci&oacute;k eset&eacute;ben &eacute;rdemes k&ouml;r&uuml;ltekint&#337;bbnek lenni. Lehet, hogy gyorsabb a tranzakci&oacute; lebonyol&iacute;t&aacute;sa, &aacute;m magasabb a kock&aacute;zat &ndash; figyelmeztetett a szakember.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;"><img alt="" src="/sites/default/files/oldfiles/csaba-balint.jpg"></span><strong>B&aacute;lint Csaba: az id&#337;sek eset&eacute;ben a k&eacute;szp&eacute;nz fontos fizet&eacute;si eszk&ouml;z</strong></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">A jegybank k&eacute;pvisel&#337;je szerint a digit&aacute;lis banki szolg&aacute;ltat&aacute;sok sz&eacute;lesk&ouml;r&#369; elerjed&eacute;se bel&aacute;that&oacute; id&#337;n bel&uuml;l Rom&aacute;ni&aacute;ban semmik&eacute;ppen sem vezet a pap&iacute;r alapanyag&uacute; bankjegyek vagy m&#369;anyagp&eacute;nz kiiktat&aacute;s&aacute;hoz.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">&ndash; Az id&#337;sek eset&eacute;ben a k&eacute;szp&eacute;nz nagyon fontos fizet&eacute;si m&oacute;dszer. A k&ouml;zponti bankok &aacute;ltal kibocs&aacute;tand&oacute; digit&aacute;lis p&eacute;nz is a k&eacute;szp&eacute;nzzel p&aacute;rhuzamosan &aacute;ll majd rendelkez&eacute;sre &ndash; jelentette ki.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">Hozz&aacute;tette: a digit&aacute;lis banki szolg&aacute;ltat&aacute;sok eset&eacute;ben egy komoly rizik&oacute;faktor a p&aacute;nikhelyzet eset&eacute;ben bek&ouml;vetkez&#337; p&eacute;nzkivon&aacute;s vagy p&eacute;nz&aacute;tment&eacute;s.</span></p><p style="font-family:nerislight;color:#48484a;font-size:16px;line-height:20px;text-align:left;margin-bottom:19px;display:block;"><span style="color:#48484a;display:block;font-family:nerislight;font-size:16px;line-height:20px;margin-bottom:19px;text-align:left;">&ndash; Kor&aacute;bban annak, aki ki szerette volna venni a p&eacute;nz&eacute;t, szem&eacute;lyesen kellett elmennie a bankfi&oacute;k p&eacute;nzt&aacute;rf&uuml;lk&eacute;j&eacute;hez, a digitaliz&aacute;lt vil&aacute;gban ez m&aacute;r nem sz&uuml;ks&eacute;ges. Eml&eacute;kezz&uuml;nk a Silicon Valley Bank &ouml;sszeoml&aacute;s&aacute;ra, amit a digit&aacute;lis szolg&aacute;ltat&aacute;sok ig&eacute;nybev&eacute;tel&eacute;vel megval&oacute;s&iacute;tott p&eacute;nzment&eacute;s is okozott &ndash; sz&ouml;gezte le.</span></p></p>\n"
      "summary" => "Életkortól és lakóhelytől függetlenül egyre népszerűbb a digitális banki szolgáltatás – derül ki egy országos felmérésből, amelynek során Románia különböző földrajzi régióiban és generációk szerint azt vizsgálták, ki milyen fizetési eszközt és módot részesít előnyben. A megkérdezett legfiatalabb korosztály, az úgynevezett Z generáció tagjainak szinte fele az okostelefonos banki ügyintézést részesíti előnyben, és elenyésző azok száma, akik a személyes banki ügyintézést választják. Életkor függvényében egyéb különbségek is adódnak, például az 55-64 év közöttiek rendelkeznek a legtöbb bankszámlával, és még sokan jobban bíznak a személyes ügyintézésben, mint az internetesben. Bálint Csaba, a Román Nemzeti Bank igazgatótanácsának a tagja lapuknak elmondta, a digitális banki szolgáltatások széleskörű elerjedése belátható időn belül Romániában nem vezet a papír alapanyagú bankjegyek vagy műanyagpénz kiiktatásához."
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