Document intern. Acest document descrie criteriile de selectie folosite intern pentru evaluarea partenerilor potentiali si nu este destinat publicarii deschise.
01Scopul evaluariiEvaluation purpose
Inainte de a accepta un partener pentru integrare in platforma Ecco Group, evaluam compatibilitatea acestuia cu obiectivele noastre comerciale, tehnice si de conformitate. Procesul are scop de a asigura un parteneriat sustenabil si o experienta optima pentru utilizatorii finali.Before accepting a partner for integration into the Ecco Group platform, we evaluate compatibility with our commercial, technical and compliance objectives. The process aims to ensure a sustainable partnership and optimal experience for end users.
02Criterii comercialeCommercial criteria
Volum de utilizatoriUser volume
- Minim 50.000 utilizatori activi lunar in app-ul partenerMinimum 50,000 monthly active users in partner app
- Crestere demonstrabila in ultimele 12 luniDemonstrable growth over the past 12 months
- Plan de expansiune pe minim 24 luniExpansion plan for at least 24 months
Profil de audientaAudience profile
- Audienta predominant adulta (18+)Predominantly adult audience (18+)
- Acoperire geografica cel putin nationalaAt least national geographic coverage
- Suprapunere cu segmentele tinta Ecco (utilizatori de servicii financiare digitale)Overlap with Ecco target segments (digital financial service users)
Stabilitate financiaraFinancial stability
- Companie inregistrata legal de minim 2 aniLegally registered company for at least 2 years
- Cifra de afaceri verificabilaVerifiable turnover
- Fara incidente publice de insolventa sau fraudaNo public insolvency or fraud incidents
03Criterii tehniceTechnical criteria
Capabilitati tehniceTechnical capabilities
- Echipa tehnica interna sau partener de incredere pentru integrareInternal tech team or trusted partner for integration
- Capacitate de implementare iframe sau API RESTCapability to implement iframe or REST API
- Suport pentru webhooks (notificari async)Support for webhooks (async notifications)
- Mediu de testing/staging separat de productieSeparate testing/staging environment from production
SecuritateSecurity
- Certificat TLS valid si actualizatValid and updated TLS certificate
- Practici de securitate documentateDocumented security practices
- Procedura de incident responseIncident response procedure
- Bonus: certificare ISO 27001 sau echivalentBonus: ISO 27001 certification or equivalent
04Criterii de conformitateCompliance criteria
- Acord de Prelucrare a Datelor (DPA) semnat conform GDPRData Processing Agreement (DPA) signed per GDPR
- Politica de confidentialitate publica si conformaPublic and compliant privacy policy
- Banner de cookie-uri functional pe site/appFunctional cookie banner on site/app
- Pentru institutii financiare: licenta valida de la BNR sau autoritatea competentaFor financial institutions: valid license from NBR or competent authority
- KYB (Know Your Business) verification completaFull KYB (Know Your Business) verification
- Conformitate AML (Anti-Money Laundering) acolo unde se aplicaAML (Anti-Money Laundering) compliance where applicable
05Criterii de brand & UXBrand & UX criteria
- Reputatie pozitiva pe pietele unde activeazaPositive reputation in markets where active
- Calitate UX in app-ul propriu (rating store min. 4.0)UX quality in own app (store rating min. 4.0)
- Procese de customer support functionaleFunctional customer support processes
- Aliniere cu valorile Ecco (transparenta, fairness, securitate)Alignment with Ecco values (transparency, fairness, security)
06Cazuri de excluzare automataAutomatic exclusion cases
Anumite situatii duc la respingere automata, fara evaluare suplimentara:Certain situations lead to automatic rejection, without further evaluation:
- Industrii cu risc reputational ridicat (gambling neautorizat, adult content)High reputational risk industries (unauthorized gambling, adult content)
- Companii cu istoric de incalcari GDPR semnificativeCompanies with significant GDPR violation history
- Sanctiuni internationale active sau in lista neagra OFACActive international sanctions or OFAC blacklist
- Conflict de interese cu parteneri existenti exclusivistiConflict of interest with existing exclusive partners
07Procesul de evaluareEvaluation process
Etape standard:Standard stages:
- Discutie initiala (30 min) — alinierea asteptarilor reciproceInitial discussion (30 min) — mutual expectations alignment
- Due diligence comerciala si tehnica (1-2 saptamani)Commercial and technical due diligence (1-2 weeks)
- Verificare KYB & compliance (1 saptamana)KYB & compliance verification (1 week)
- Decizie comitet intern (1 saptamana)Internal committee decision (1 week)
- Negociere comerciala si semnare contract (2-4 saptamani)Commercial negotiation and contract signing (2-4 weeks)
- Implementare tehnica (2-4 saptamani)Technical implementation (2-4 weeks)
Durata totala medie: 8-12 saptamani de la primul contact la go-live.Average total duration: 8-12 weeks from first contact to go-live.
08VersionareVersioning
Acest document este revizuit anual de comitetul de management Ecco. Versiunile vechi sunt arhivate intern pentru referinta.This document is reviewed annually by Ecco management committee. Old versions are archived internally for reference.
Versiunea curenta: 1.0 / Aprilie 2026Current version: 1.0 / April 2026
09Contact
Pentru intrebari despre acest document: office@epin.roFor questions about this document: office@epin.ro