{"id":11452,"date":"2019-08-28T13:51:19","date_gmt":"2019-08-28T10:51:19","guid":{"rendered":"https:\/\/www.arb.ro\/?p=11452"},"modified":"2024-01-20T13:56:08","modified_gmt":"2024-01-20T11:56:08","slug":"noi-provocari-si-oportunitati-in-piata-platilor","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/noi-provocari-si-oportunitati-in-piata-platilor\/","title":{"rendered":"Noi provoc\u0103ri \u0219i oportunit\u0103\u021bi \u00een pia\u021ba pl\u0103\u021bilor - only in romanian"},"content":{"rendered":"
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Ast\u0103zi consumatorii de servicii financiare nu mai compar\u0103 institu\u021bii, ci experien\u021be. Un furnizor poate fi selectat prin c\u00e2teva click-uri \u0219i poate fi schimbat la fel de rapid. Servicii \u00een timp real, prin dispozitive mobile inteligente: cump\u0103r\u0103turi on-line, rezervarea unui zbor, planificarea unei vacan\u021be – totul se rezolv\u0103 u\u0219or, rapid \u0219i comod cu ajutorul tehnologiei.<\/em><\/span><\/p>

\u00cen sectorul bancar, pe plan mondial, noile priorit\u0103\u021bi ale b\u0103ncilor sunt cre\u0219terea, digitalizarea \u0219i inova\u021bia. Modelul digital a schimbat jocul pentru totdeauna: a r\u0103m\u00e2ne relevant \u00een sfera serviciilor financiar bancare \u00eenseamn\u0103 a deveni o parte activ\u0103 a vie\u021bii digitale a unui client.<\/p>

Modelul de business tradi\u021bional este reg\u00e2ndit, aten\u021bia b\u0103ncilor fiind concentrat\u0103 pe cerin\u021bele clien\u021bilor \u0219i oportunit\u0103\u021bile oferite de tehnologie: instrumente electronice, acces prin Internet \u0219i mobil, electronic\u0103, precum \u0219i procesare electronic\u0103 automatizat\u0103 a proceselor interne \u0219i externe.<\/p>

Competi\u021bia este \u00een cre\u0219tere, \u00een pia\u021b\u0103 opereaz\u0103 noi juc\u0103tori care dovedesc agilitate \u0219i aplic\u0103 inova\u021bia pentru a oferi clien\u021bilor noi tipuri de servicii ce satisfac cerin\u021bele \u00een schimbare ale acestora.<\/p>

Din perspectiva inova\u021biei \u0219i digitaliz\u0103rii, industria pl\u0103\u021bilor este una dintre cele mai dinamice, derul\u00e2nd o serie de proiecte menite s\u0103 conduc\u0103 la importante schimb\u0103ri structurale. Schimb\u0103rile privesc cre\u0219terea gradului de performan\u021b\u0103 a serviciilor oferite clien\u021bilor, dar \u0219i automatizarea \u0219i modernizarea sistemelor interne \u00een acord cu nout\u0103\u021bile tehnologice.<\/p>

Pl\u0103\u021bile Instant<\/strong> au fost lansate \u00een Europa la sf\u00e2r\u0219itul lunii noiembrie 2017, \u00een prezent aceste servicii fiind oferite de peste 1.100 de furnizori de servicii de plat\u0103 la nivel european. Consumatorii, \u00eentreprinderile, corpora\u021biile \u0219i administra\u021biile publice pot efectua \u0219i primi transferuri credit instant \u00een valoare de maxim 15.000 euro, at\u00e2t la nivel na\u021bional, c\u00e2t \u0219i transfrontalier, \u00een mai pu\u021bin de zece secunde, \u00een orice moment \u0219i \u00een orice zi a anului, inclusiv \u00een weekend-uri \u0219i s\u0103rb\u0103tori.<\/p>

\u00cen luna aprilie a acestui an, Pl\u0103\u021bile Instant au fost lansate \u0219i \u00een Rom\u00e2nia pentru transferuri \u00een moned\u0103 na\u021bional\u0103 de maxim 50.000 de lei. Aceste servicii sunt oferite de dou\u0103 b\u0103nci \u00een prezent, dar este de a\u0219teptat ca num\u0103rul furnizorilor s\u0103 creasc\u0103 rapid \u0219i \u00een viitorul apropiat Pl\u0103\u021bile Instant s\u0103 devin\u0103 regula \u00een modul de efectuare a pl\u0103\u021bilor.<\/p>

Preocupat\u0103 de cre\u0219terea vitezei de procesare a pl\u0103\u021bilor, Banca Central\u0103 European\u0103 a ini\u021biat proiectul Target Instant Payment Settlement (TIPS), \u00een timp ce SWIFT a lansat serviciul SWIFTNet Instant, proiectat s\u0103 func\u021bioneze oriunde \u00een Europa \u0219i \u00een \u00eentreaga lume, permi\u021b\u00e2nd membrilor s\u0103i s\u0103 se conecteze la mecanismele de compensare \u0219i decontare a pl\u0103\u021bilor imediate.<\/p>

Tot la nivel european, Banca Central\u0103 European\u0103 a lansat proiectul Eurosystem Single Market Infrastructure Gateway (ESMIG)<\/strong> pentru modernizarea infrastructurii europene de pl\u0103\u021bi. Proiectul vizeaz\u0103 actualizarea sistemului TARGET2, ca urmare a dezvolt\u0103rii tehnologice \u0219i a noului cadru de reglementare european \u00een domeniul financiar bancar \u0219i va fi derulat \u00een perioada 2019 \u2013 2021. Modific\u0103rile aduse de acest proiect sunt de anvergur\u0103, viz\u00e2nd independen\u021ba de re\u021beaua de telecomunica\u021bii, \u00eembun\u0103t\u0103\u021birea arhitecturii sistemului, schimbarea sistemului de mesagerie prin trecerea la standardele ISO 20022 \u0219i noi mecanisme de garantare.<\/p>

La nivel global, a fost lansat de c\u0103tre SWIFT serviciul gpi – Global Payments Innitiative<\/strong>, o Schem\u0103 pentru pl\u0103\u021bi \u00eentre b\u0103nci corespondente \u00een orice moned\u0103, bazat\u0103 pe infrastructura \u0219i mesageria SWIFT, \u00een cadrul unui Grup \u00eenchis de utilizatori, cu agrearea unor contracte de tip SLA \u00eentre participan\u021bii \u00eenscri\u0219i \u00eentr-un registru al participan\u021bilor.<\/p>

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Prin acest nou serviciu, care transform\u0103 pl\u0103\u021bile interbancare transfrontaliere, 50% din pl\u0103\u021bile gpi<\/strong> realizate \u00een prezent ajung la beneficiar \u00een 30 de minute \u0219i aproape toate pl\u0103\u021bile sunt creditate \u00een 24 de ore, comparativ cu o plat\u0103 executat\u0103 prin metoda clasic\u0103 a b\u0103ncilor corespondente, care poate dura \u0219i 5 zile. Prin gpi<\/strong>, pl\u0103\u021bile pot fi urm\u0103rite pe tot fluxul, exist\u00e2nd astfel posibilitatea de a cunoa\u0219te \u00een orice moment care este starea acestora, a fost implementat un mecanism desktop & recall \u0219i sunt \u00een curs de dezvoltare alte noi func\u021bionalit\u0103\u021bi.<\/p>

gpi<\/strong> a \u00eenregistrat o adoptare rapid\u0103 de c\u0103tre comunitate, generalizarea la nivel global a acestui serviciu fiind planificat\u0103 p\u00e2n\u0103 la sf\u00e2r\u0219itul anului 2020. P\u00e2n\u0103 \u00een prezent, 120 de grupuri bancare au aderat \u0219i transmit live mesaje gpi<\/strong>, alte 330 sunt \u00een implementare, reprezent\u00e2nd \u00een total peste 3.000 de institu\u021bii financiare 56% din toate pl\u0103\u021bile comerciale interna\u021bionale SWIFT sunt trimise ca pl\u0103\u021bi gpi<\/strong>, ceea ce \u00eenseamn\u0103 peste 1 milion de pl\u0103\u021bi pe zi, cu b\u0103nci mari \u0219i coridoare majore cheie (de ex. SUA-China) care se apropie de adoptare 100%. Serviciul gpi<\/strong> pentru pl\u0103\u021bi transfrontaliere este oferit \u0219i de dou\u0103 b\u0103nci din Rom\u00e2nia.<\/p>

Un alt proiect important este migrarea la standardele ISO 20022<\/strong>, un proces complex care va necesita o planificare atent\u0103 \u0219i o execu\u021bie riguroas\u0103 din partea institu\u021biilor de credit.<\/p>

\u00cen perioada noiembrie 2021 \u2013 noiembrie 2025, SWIFT va facilita migrarea traficului transfrontalier \u00een domeniul pl\u0103\u021bilor de la standardele FIN (MT) la standardele ISO 20022 (MX). Aceast\u0103 migrare este obligatorie pentru to\u021bi utilizatorii, astfel \u00eenc\u00e2t dup\u0103 noiembrie 2025 nu vor mai fi utilizate \u00een re\u021beaua SWIFT mesaje de tip MT pentru opera\u021biunile de pl\u0103\u021bi.<\/p>

\u00cen perioada de patru ani de coexisten\u021b\u0103 acelor dou\u0103 tipuri de standarde, va fi oferit un serviciu de traducere administrat centralizat pentru a facilita migrarea la standardele ISO 20022.<\/p>

Av\u00e2nd \u00een vedere complexitatea modific\u0103rilor implicate de aceast\u0103 migrare asupra sistemelor \u0219i aplica\u021biilor informatice, este necesar ca utilizatorii SWIFT s\u0103 planifice \u0219i s\u0103 ini\u021bieze acest proiect \u00een perioada imediat urm\u0103toare.<\/p>

Acestea sunt doar c\u00e2teva proiecte derulate de industria pl\u0103\u021bilor, la care trebuie s\u0103 ad\u0103ug\u0103m \u0219i aplicarea prevederilor unei serii de reglement\u0103ri europene care privesc cre\u0219terea incluziunii financiare, pia\u021ba integrat\u0103 a pl\u0103\u021bilor, protec\u021bia datelor cu caracter personal, serviciile de \u00eencredere \u0219i semn\u0103tura electronic\u0103, securitatea cibernetic\u0103 \u0219i multe altele.<\/p>

Dintre acestea, cel mai important rol \u00een transformarea industriei \u00eel are Directiva revizuit\u0103 a Serviciilor de Plat\u0103 (PSD2), menit\u0103 s\u0103 creeze o mai mare deschidere, transparen\u021b\u0103, competitivitate \u0219i s\u0103 stimuleze inova\u021bia \u00een zona serviciilor de plat\u0103.<\/p>

De\u0219i genereaz\u0103 provoc\u0103ri importante, PSD2 aduce noi oportunit\u0103\u021bi pentru b\u0103nci, care vor avea posibilitatea s\u0103 \u00ee\u0219i diversifice serviciile oferite, prin inovare \u0219i prin \u00eencheierea de parteneriate cu companiile Fintech.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Rodica Tuchil\u0103, Director Executiv Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor \u2013 BANCHERI iulie-august 2019<\/p>","protected":false},"author":3,"featured_media":2646513,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-11452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nNoi provoc\u0103ri \u0219i oportunit\u0103\u021bi \u00een pia\u021ba pl\u0103\u021bilor - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/noi-provocari-si-oportunitati-in-piata-platilor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Noi provoc\u0103ri \u0219i oportunit\u0103\u021bi \u00een pia\u021ba pl\u0103\u021bilor - 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