??a ß?µa p??? ap? t? s??????? s?µf???a ?a? ??a ta 13 p??apa?t??µe?a ß??s???ta? p???? da?e?st?? ?a? ??????µ??? ep?te?e?? µe ta a????t? µ?t?pa ?a pe????????ta? ?????? sta...
??????a d??e?a ta ?p??a a?aµ??eta? ?a ??e?s??? e?t?? t?? ?µ??a?.
?et? ap? 6,5 ??e? d?ap?a?µ?te?s?? p?? ???????????e ta ??µe??µata ?a? st?? ep?µ??? t?? ?esµ?? ?a s???t??e? ? a???? da?e???, ?? ?p?????? ??????µ???? ?. ????e?d?? ?sa?a??t?? ?a? ??????µ?a? ?. G?????? Sta????? s?µf???sa? ?a te?e? ??a ??µ??et??? p?a?s?? ??a t?? p???s? ep??e???µat???? da?e??? se s??d?asµ? µe a?t? p?? ?a d??pe? t?? e?e?d??e?µ??e? eta???e? p?? ?a ?e?t?????s??? ?? s?µß????? e??a????s?? ???????? da?e??? .
S?µf??a µe p???? p?? pa?a????????? ap? ???t? t? d?ap?a?µ?te?s?, ?? eta???e? d?a?e???s?? ?a ade??d?t???ta? ap? t?? ?t? ?a? ?a ?e?t??????? µe ß?s? t?? e??????? ????µ? t???. ?e? ?a µp????? ?a ?????? ??t? ep?p???? ap? a?t? p?? ?????? ?? t??pe?e?. ?p?s?? t? d??s? t??? ?a desµe?e? ?at? pe??pt?s? ?a? ? ??d??a? de??t?????a? t?? ???pe?a? t?? ????da?.
Se ?t? af??? t?? s?µf???a ??a ta ??????a ep??e???µat??? d??e?a ? ?d?a p??? t???se ?t? ?a ?p???e? µ?a e??e?a ???µa ep?????? t?s? ?? p??? t?? ??????s? t?? a????? (a?t???µ? ?e?t?????a t?? eta?????, ? ?? ?????p?a??e? µe t?? t??pe?e?) ?s? ?a? ??a t?? ??s?a t?? t?p?? ???µ?se??.
??et??eta? ?a? sta ep??e???µat??? d??e?a ? p??stas?a p??t?? ?at????a? ?at? t? p??t?p? t?? ste?ast???? da?e??? µe t?? a??a??? p?? ????a? p??sfata st? ??µ? ?ats??? ?a? af??µ? t? 25% t?? da?e????pt??. Ta ?p???e? ep?s?? ?µad?p???s? t?? da?e??? p?? ?a p???????? a?? ???d? (?e??d??e?a , ??????a??????e?e? ??p.).
?a???a a?t? ? p???d?? st? µ?t?p? t?? ???????? da?e??? e??e ?? ??st?? t?? s?µf???a ??a p???s? ?a? ste?ast???? da?e??? ?a? da?e??? µ????µesa??? ep??e???se?? p?? ?a ?esµ??et??e? µe ???µ?s? p?? ?a pe??se? ap? t?? ?a???????.
???t?? ?at? t?? ??es??? ?µ??a ???e?sa? ???a t?sse?a ßas??? ??µata p?? ß??s???ta? st? pa??t? t?? 13 p??pa?t??µe??? .
S???e???µ??a:
1. ???? t? ß??d? ???st???p??????e ? s?ed?asµ?? ??a t?? s?stas? ?a? t?? ?e?t?????a t?? ???? ?aµe??? ap???at???p???se?? . St? ???s?µ? ??µa t?? d?????s?? ap?fas?st??e ?t? st? S?µß???e?t??? s?µa t?? ???? taµe??? ?a µet????? 3 ste???? p?? ?a p??te????ta? ap? t?? e??????? p?e??? ?a? 2 ap? t?? p?e??? t?? da?e?st??
2. ?? µes?µ??? ???st???p??????e ?a? ? s?µf???a ??a t?? ????? µe a??et?? ?p?????se?? ap? t?? p?e??? t?? a?µ?d??? ?p????e???. ? e??????? p?e??? d?????e t? 49% ?a pe??se? se ?d??te? ?a? p??ed??? t?? ??a? eta???a? ?a e??a? ??a p??s?p? ?????? ap?d???? t?? ?d??t?? ?a? t?? d?µ?s??? ?at? t? µ??t??? t?? ???
3. ?? µes?µ??? ???e?se t? f????????? pa??t? ?a??? ?a? ?? d?at??e?? p?? ?a µp??? st?? efa?µ?st??? ??µ? ?a? ?a af????? t?? e??s??s? t?? a?e?a?t?s?a? t?? Ge????? G?aµµate?a? ??µ?s??? es?d??. St?? efa?µ?st??? ??µ? ?a pe???aµß????ta? ?a? ?? d?at??e?? ??a t? ?t?s?µ? t?? af???????t?? µe dap??e? ?? ?p??e? ?a ????? ???e? µe p?ast??? ???µa ?a? ??e?t?????? t?ape???? ( e- banking ).
4. ?? p??? s?µf??????e ?a? t? s??µa t? ?p??? ?a a???????se? t?? d?????se?? t?? t?ape??? µet? t?? a?a?efa?a??p???s? t???. ?? s?µß????? a???????s?? ?a ap?te?e?ta? ap? t?sse?a ste???? p?? ?a d????st??? ap? t? ??S ?a? ???a t?sse?a p?? ?a d????st??? ap? t??? da?e?st?? ?a? ?a ????? t?? p?e????f??sa ??f? ??a t?? pa?aµ??? ? t?? a?t??at?stas? t?? µe??? t?? d?????t???? s?µß?????? .
S?µe?a ??e????? a???? fe?????
? te???? s????t?s? µe t??? da?e?st?? ?a ?e????se? s?µe?a ?a? a?aµ??eta? ?a d?a???se? µ???? ?a? a??? t? ß??d? ?ste ?a ??e?s??? ?a? ta te?e?ta?a a????t? ??µata ?a? ?a p?st?p????e? ? ???p???s? t?? 13 p??apa?t??µe???. ?et? t?? s?µf???a ?? da?e?st?? ?a ap?????s??? t? p??? t?? Saßß?t?? ??a ?a ep?st?????? ??a t?? p??t? a???????s? t?? p?????µµat??
St?? s????e?a ?a ???e? ? efa?µ?st???? ??µ?? p?? ?a p??pe? ?a ??f?ste? µ???? ?a? t?? ?et??t? 15 ?e?eµß????.
Se s??ed??as? t?? Euro working group ?a p??pe? ?a p?st?p????e? ? ????????s? ?a? t?? 13 µ?t??? ?ste ?a ???e? ? e?s???s? ?a e?taµ?e?te? ? te?e?ta?a ?p?d?s? t?? 1 d?s. e??? µ???? ?a? t?? 18 t?? µ??a p?? staµat??? ?? e??as?e? sta ?????t??? ???a?a, p???e?µ???? ?a e?????e? ???a??a ? e?taµ?e?s? t?? ap? t?? ????pa??? ???a??sµ? Sta?e??t?ta?.
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