It’s been almost 20 years since the first bank card was issued in Romania and today there are officially almost 14 million active cards on the local market, totalling €34 billion in transactions. Yet almost 82% of this transactions are actually just withdrawals, while around 18% are direct payments in offline stores.

Meanwhile, a huge 94% of Romanians use plain cash for their expenses. Many people still distrust banks and their system, although they have been the most interested parties in (online) data security until now. This is one of he reasons why the banks insist on the European Union and national governments to develop good legislative environments. Especially because they also can benefit, as the cards serve for fighting financial evasion.

Those who do make use of their cards more are also more inclined to adopt the internet banking services, and then the mobile payment possibilities. Because they see it as more simple, more comfortable, and universal (aka: available at any time). The boost in mobile payment adoption is thought to continue until 2017. There are 3 million online banking users right now and there is a lot of place for growing!

Who recommends me and why:

Andreea Baciu
Paul has magic dust in his hands!! Participants's insights are very well captured on Paul's graphic and his drawings are an anchor in people's minds and hearts!

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Eric Faidy
Eric FaidyHead of Michelin Central & Southeastern Europe
We have worked with Paul on one of our internal workshops for the executive team. His drawings helped us make the change process more clear and friendly.

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Carmen Cucul
Paul stood up beautifully to the challenge of capturing our thoughts for the future in a compelling and vivid story.

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Liliana Bizau
Liliana BizauSEE Learning and Development Leader, PriceWaterhouseCoopers
The contribution Paul had to the quality of the program helped the event become more valuable and impactful for the participants.

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Elena Coman
Elena ComanProject Manager, Techsoup Romania
Paul has a capacity for synthetic work and a joyful creativity that is very rare and can help you understand your work from an entirely different perspective.

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Alexandra Pode
Alexandra PodePartner, Business Model Inc.
With his background in journalism, Paul is an accurate listener and has an experienced ear at distinguishing true content from noise.

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Livia Radulescu
Livia RadulescuProgram manager, RICAP
The visual presentation he made for us combined great graphic work with a structured way of telling the story and all the right words, in a simple, compelling and friendly way.

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My clients: