# Your page scores 60 out of 100 for sameness against the 4 competitors you named.

Most of what your page says, Raiffeisen Bank says too — the overlap is heaviest in the benefits you promise.

- **Your page:** https://www.cec.ro/
- **Compared against:** ING Home'Bank (ing.ro), BCR (bcr.ro), Raiffeisen Bank (raiffeisen.ro), Banca Transilvania (diaspora.bancatransilvania.ro)
- **Sameness Index:** 60 — Mostly the same
- **Ownable share:** 1% (of 35% distinctive)
- **Report:** https://grader.wynter.com/c/cec-ro-gGkqYow

**How you compare · vs 48 services sites** — 1 point more same than the average services site. The average services site scores 59; you scored 60. You are less same than 16 of the 48 services sites. The best-differentiated site in the set is at 40.
_A single check can move several points between runs; the benchmark averages up to eight sites per category._

## 1. Sameness Index

| Category | Weight | Score | What it means |
| --- | --- | --- | --- |
| Messaging | 30% | 65 | The most expensive kind of sameness. A buyer cannot tell what job you do that the others do not. |
| Claims | 30% | 81 | Every shared claim is a line already read on another tab. Cut the ones nobody owns and spend the space on something they cannot. |
| Features | 15% | 70 | Expected in a mature category, and the least alarming of the six. Feature parity is normal; leading with it is the mistake. |
| Proof | 10% | 21 | Same kinds of proof as everyone means the proof stops working as proof. It is scored on the kind of evidence, not on which customers are named. |
| Structure | 10% | 0 | The generic SaaS template — hero, logos, three-feature grid, testimonial, CTA. Familiar is not the same as memorable. |
| Visual | 5% | 66 | Weighted lowest on purpose: buyers rarely decide on this. Worth knowing, rarely worth fixing first. |

**Mostly the same** — Most of your claims are also theirs. Only the details differ.

## 2. Closest competitors

| Competitor | Same | Band |
| --- | --- | --- |
| Raiffeisen Bank | 73 | Mostly the same |
| Banca Transilvania | 64 | Mostly the same |
| BCR | 56 | Half shared |
| ING Home'Bank | 52 | Half shared |

_Measured from your side: how much of what YOU say each competitor also says, weighted by where you put it._

## 3. Ownable share

**The share of your own page's claim space that is yours to keep.** This is not the inverse of the Sameness Index — it is measured on your claims alone, so the two do not add up to 100 and are not meant to.

Only 1% of your page is unique, relevant to how buyers choose, and hard to copy. That is the number to move.

- **Distinctive message share:** 35% — prominent space spent on claims no competitor makes.
- **Ownable share:** 1% — the part of that which is also relevant to how buyers choose and hard to copy.

## 4. Where you sound like everyone else

Most of your set makes each of these and you are spending prominent space on them, ranked by how much. **These are not necessarily lines to delete** — some of what a page has to say is unavoidably shared, and claims about what kind of product you are were left out of this list for exactly that reason. The question each one raises is whether it has earned its space.

- **Low rates and cheap borrowing costs** (Hero, 100% of the set) — also on ING Home'Bank, BCR, Raiffeisen Bank, Banca Transilvania
  - _"cu o dobândă avantajoasă, pentru planurile tale de azi"_
- **Predictable fixed-rate lending terms** (Hero, 75% of the set) — also on BCR, Raiffeisen Bank, Banca Transilvania
  - _"Creditul de Nevoi Personale cu dobândă fixă îți oferă stabilitate și control"_
- **Predictable fixed-rate lending terms** (Hero, 75% of the set) — also on BCR, Raiffeisen Bank, Banca Transilvania
  - _"Creditul Ipotecar de la CEC Bank îți oferă o dobândă fixă avantajoasă în primii 3 ani"_
- **Fast payments and transfers** (Hero, 75% of the set) — also on ING Home'Bank, Raiffeisen Bank, Banca Transilvania
  - _"RoPay – plăți și incasări instant direct din cont, simplu și rapid, folosind telefonul mobil"_
- **Full banking in one mobile app anytime** (Hero, 75% of the set) — also on ING Home'Bank, BCR, Raiffeisen Bank
  - _"Administrezi cardul, ratele și plățile rapid, direct din aplicația CEC app"_
  - Said your way: nobody else makes this exact claim, but everyone occupies the territory.
- **Puts customers in control of their finances** (Hero, 75% of the set) — also on BCR, Raiffeisen Bank, Banca Transilvania
  - _"ai nevoie de soluții care îți dau control"_
  - Said your way: nobody else makes this exact claim, but everyone occupies the territory.
- **Open accounts and products fully online, no branch** (Section, 100% of the set) — also on ING Home'Bank, BCR, Raiffeisen Bank, Banca Transilvania
  - _"Îți poți deschide contul bancar 100% online, de oriunde, chiar și din străinătate"_
- **Open accounts and products fully online, no branch** (Section, 100% of the set) — also on ING Home'Bank, BCR, Raiffeisen Bank, Banca Transilvania
  - _"Ai creditul în câteva minute, cu ZERO drumuri la bancă"_

## 5. Buried gold

Unique, relevant, and sitting in body copy. The cheapest wins here — you already have the differentiation and the page hides it.

- **View and pay from other banks' accounts in our app** (Body, 0% of the set)
  - _"Poți vedea conturile de la alte bănci în aplicația Mobile Banking a CEC Bank și, în plus poți iniția și plăți"_

## 6. Claim inventory

| Claim | Type | Placement | Common | Sayability | Relevant | Ownership |
| --- | --- | --- | --- | --- | --- | --- |
| Advantageous / low loan interest rate | quality | Hero | 75% | anyone | yes | Commodity |
| Fixed-rate personal loan gives stability and predictability | outcome | Hero | 50% | anyone | yes | Contested |
| Mortgage with fixed rate for first 3-5 years | outcome | Hero | 50% | anyone | yes | Contested |
| Instant RoPay payments from your account | capability | Hero | 25% | some | yes | Contested |
| Manage cards, installments and payments in the app | capability | Hero | 0% | anyone | yes | Unique for now |
| Product gives you control over your finances | outcome | Hero | 0% | anyone | yes | Unique for now |
| Data and transactions protected by advanced anti-fraud systems | quality | Hero | 25% | anyone | yes | Contested |
| Bank properties listed for sale | category | Hero | 0% | some | no | Unique and owned |
| Open an account 100% online, no branch visit | capability | Section | 75% | anyone | yes | Commodity |
| Personal loan fully online in minutes without branch visits | outcome | Section | 50% | anyone | yes | Contested |
| Credit card obtainable 100% online | capability | Section | 25% | anyone | yes | Contested |
| Welcome package bundles account, card and banking channels free | outcome | Section | 0% | anyone | yes | Unique for now |
| Mobile app puts full banking access in your pocket anytime | outcome | Section | 75% | anyone | yes | Commodity |
| Tiered account packages to match different needs | segment | Section | 50% | anyone | yes | Contested |
| Interest-free installments at any merchant worldwide | outcome | Section | 25% | anyone | yes | Contested |
| Loan product range covers every need | segment | Section | 0% | anyone | yes | Unique for now |
| Account opening takes about 10 minutes | outcome | Body | 75% | anyone | yes | Commodity |
| High promotional deposit interest rate | quality | Body | 75% | anyone | yes | Commodity |
| Better FX rate and lower/zero FX fees | quality | Body | 50% | anyone | yes | Contested |
| Zero monthly account and card fees | outcome | Body | 50% | anyone | yes | Contested |
| Online onboarding via video/selfie ID verification | quality | Body | 25% | anyone | no | Contested |
| Lower rate if you pledge property as collateral | outcome | Body | 0% | anyone | no | Unique for now |
| Large maximum personal loan amount available | outcome | Body | 50% | some | yes | Contested |
| Choice of credit card tiers | capability | Body | 0% | anyone | no | Unique for now |
| Bank finances a major strategic infrastructure project | proof | Body | 0% | some | no | Unique and owned |
| Physical card delivered by mail/courier | capability | Body | 25% | anyone | no | Contested |
| Long grace period and low minimum payment on credit card | capability | Body | 0% | anyone | no | Unique for now |
| Cash can be deposited onto any bank's card | capability | Body | 0% | some | no | Unique and owned |
| View and pay from other banks' accounts in our app | capability | Body | 0% | some | yes | Unique and owned |

## What we compared

- **CEC Bank** (your page) — https://www.cec.ro/
- **ING Home'Bank** — https://ing.ro/persoane-fizice
- **BCR** — https://www.bcr.ro/ro/persoane-fizice
- **Raiffeisen Bank** — https://www.raiffeisen.ro/
- **Banca Transilvania** — https://diaspora.bancatransilvania.ro/

## What this does and does not tell you

An AI read each page and wrote down the claims it makes, then grouped the claims that say the same thing. **No score in this report was written by a model** — every number is computed from those groupings in our own code, with the weights shown above.

## The only way to know if it matters

This report can tell you where your messaging overlaps. It cannot tell you whether a buyer would care, or which of your reasons to buy actually land. Put the page in front of real B2B buyers in your target market and ask them.

[Test it with real buyers](https://wynter.com)