{"id":3674797,"date":"2023-05-12T16:15:40","date_gmt":"2023-05-12T13:15:40","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3674797"},"modified":"2023-12-21T13:46:51","modified_gmt":"2023-12-21T11:46:51","slug":"sme-talk-ioana-regenbogen-vicepresedinte-comisia-juridica-arb-despre-semnatura-electronica-exista-sanse-ca-pana-la-finalul-anului-sa-avem-o-astfel-de-lege-suntem-optimisti","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/sme-talk-ioana-regenbogen-vicepresedinte-comisia-juridica-arb-despre-semnatura-electronica-exista-sanse-ca-pana-la-finalul-anului-sa-avem-o-astfel-de-lege-suntem-optimisti\/","title":{"rendered":"SME Talk Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 ARB, despre semn\u0103tura electronic\u0103: Exist\u0103 \u0219anse ca p\u00e2n\u0103 la finalul anului s\u0103 avem o astfel de lege. Suntem optimi\u0219ti - only in romanian"},"content":{"rendered":"

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\nIoana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, c\u0103 \u00een ultimele luni au existat foarte multe discu\u021bii \u00een cadrul unui grup de lucru constituit pe l\u00e2ng\u0103 Comisia pentru tehnologia informa\u021biei \u0219i comunica\u021biilor din Camera Deputa\u021bilor referitor la o nou\u0103 propunere de lege privind utilizarea semn\u0103turii electronice \u0219i a \u00eenscrisurilor \u00een form\u0103 electronic\u0103. <\/strong><\/p>\n

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\u201ePrimul \u0219i cel mai important aspect inclus \u00een aceast\u0103 propunere este acela c\u0103 sunt reglementate efecte juridice pentru toate tipurile de semn\u0103turi electronice, cele simple, cele avansate si cele calificate, \u00een anumite condi\u021bii. Al doilea aspect este posibilitatea utiliz\u0103rii lor ca mijloace de prob\u0103 \u00een fa\u021ba instan\u021belor de judecat\u0103. Ast\u0103zi, acest lucru nu este recunoscut dec\u00e2t pentru semn\u0103turile olografe \u0219i pentru cele electronice calificate\u201d, explic\u0103 Ioana Regenbogen, ad\u0103ug\u00e2nd c\u0103 aceast\u0103 propunere de lege este un mare progres pentru Rom\u00e2nia.<\/p>\n

Propunerea mai prevede \u0219i ca semn\u0103turile electronice avansate s\u0103 produc\u0103 acelea\u0219i efecte juridice ca semn\u0103turile calificate.<\/p>\n

\u201eDe exemplu, dac\u0103 semn\u0103tura electronic\u0103 avansat\u0103 este emis\u0103 de o autoritate public\u0103 din Rom\u00e2nia sau dac\u0103 este recunoscut\u0103 de cel c\u0103ruia i se opune \u0219i asta poate fi dovedit chiar prin faptul execut\u0103rii unor obliga\u021bii ce rezult\u0103 din documentul semnat cu semn\u0103tur\u0103 electronic\u0103 avansat\u0103.<\/p>\n

La fel, dac\u0103 p\u0103r\u021bile cad de acord \u00een ceea ce prive\u0219te echivalarea valorii semn\u0103turii electronice avansate, cu cea a uneia olografe, ea va putea s\u0103 produc\u0103 efecte \u00eentocmai ca una f\u0103cut\u0103 de m\u00e2n\u0103. Specific pentru sectorul bancar, dac\u0103 p\u0103r\u021bile utilizeaz\u0103 aplica\u021biile de online sau mobile banking pentru a semna documente vor putea, de asemenea, agrea valoarea \u0219i efectele juridice ale oric\u0103rui tip de semn\u0103tur\u0103 electronic\u0103\u201d, spune aceasta.<\/p>\n

Aceast\u0103 libertate de op\u021biune, continu\u0103 ea, are ca explica\u021bie faptul c\u0103 identificarea clien\u021bilor b\u0103ncilor se face cu un nivel de asigurare foarte ridicat, iar standardele de securitate implementate de c\u0103tre b\u0103nci pentru autentificare \u0219i tranzac\u021bionare \u00een astfel de aplica\u021bii sunt dintre cele mai ridicate.<\/p>\n

\u201eIar acest aspect este evaluat \u0219i auditat inclusiv de c\u0103tre Autoritatea pentru Digitalizarea Rom\u00e2niei \u0219i are \u0219i aprobarea final\u0103 a BNR. Suntem optimi\u0219ti \u0219i credem c\u0103 \u00een viitorul apropiat vom avea o lege modern\u0103, dup\u0103 22 de ani de la aprobarea celei vechi\u201d, precizeaz\u0103 vicepre\u0219edintele Comisiei Juridice din cadrul ARB.<\/p>\n

De altfel, exist\u0103 \u0219i un Regulament european care prevede ca toate semn\u0103turile electronice ar trebui s\u0103 se bucure de efecte juridice \u0219i posibilitatea de a fi folosite ca proba \u00een instan\u021b\u0103. Cu toate acestea, reglementarea efectiv\u0103 \u0219i specific\u0103 a regimului juridic pentru fiecare tip de semn\u0103tur\u0103 este l\u0103sat\u0103 la latitudinea statelor membre.<\/p>\n

\u201e\u00cen momentul \u00een care toate semn\u0103turile vor avea un regim juridic clar, acesta va reprezenta un \u201eghidaj\u201d foarte bun pentru instan\u021bele de judecat\u0103, si atunci, \u00eentr-adev\u0103r vom putea cu \u00eencredere s\u0103 folosim toate tipurile de semn\u0103turi, \u0219tiind c\u0103 judec\u0103torii vor avea la \u00eendem\u00e2n\u0103 acest \u201eghidaj\u201d legislativ referitor la valoarea lor juridic\u0103 \u0219i la modalit\u0103\u021bile de verificare a validit\u0103\u021bii lor\u201d, mai spune Ioana Regenbogen, care consider\u0103 c\u0103, \u00een cele din urm\u0103, cel mai important este ca procesul de identificare al semnatarului s\u0103 fie unul robust \u0219i s\u0103 existe un nivel de securitate ridicat al informa\u021biilor, mai ales \u00een cazul b\u0103ncilor.<\/p>\n

\u201e\u0218i, desigur, \u0219i p\u0103strarea urmelor legate de fiecare pas f\u0103cut de client \u00een respectivele aplica\u021bii. \u0218i atunci, totul este c\u00e2t se poate de transparent \u0219i de dovedibil\u201d, adaug\u0103 ea.<\/p>\n

Vicepre\u0219edintele Comisiei Juridice a ARB estimeaz\u0103 c\u0103 p\u00e2n\u0103 la finalul anului exist\u0103 \u0219anse mari s\u0103 se aprobe o astfel de lege.<\/p>\n

\u201eDeja va fi un lucru foarte bun dac\u0103 va fi \u00eenregistrat\u0103 \u00een sesiunea parlamentar\u0103 actual\u0103, care se \u00eencheie la finalul lunii iunie. Cred c\u0103 e greu de crezut c\u0103 ar putea fi \u0219i aprobat\u0103 de cele dou\u0103 camere \u00eentr-un timp a\u0219a de scurt. Exist\u0103 \u00eens\u0103 \u0219anse ca p\u00e2n\u0103 la finalul anului s\u0103 avem o astfel de lege\u201d, subliniaz\u0103 aceasta.<\/p>\n

Ioana Regenbogen mai spune \u0219i c\u0103, pentru sistemul bancar, cel mai important eveniment anul acesta este \u00eenceperea unei colabor\u0103ri \u00eentre Direc\u021bia General\u0103 pentru Eviden\u021ba Popula\u021biei \u0219i ARB, al c\u0103rei obiect este accesarea \u0219i interogarea bazei de date a Eviden\u021bei Popula\u021biei, ceea ce va ajuta b\u0103ncile s\u0103 valideze \u0219i s\u0103 actualizeze datele clien\u021bilor lor \u00eentr-un mod mult mai rapid \u0219i mai facil.<\/p>\n

\u201eAceast\u0103 colaborare este \u00een prezent \u00een faza de pilot cu c\u00e2teva b\u0103nci. Este un succes care \u00eencununeaz\u0103 o perioad\u0103 de aproximativ 4-5 ani de discu\u021bii \u0219i eforturi, iar aceast\u0103 integrare cu bazele de date ale Eviden\u021bei Popula\u021biei va sta la baza multor alte ini\u021biative de digitalizare \u0219i automatizare.<\/p>\n

Aducerea aceasta de date din surse externe independente ajut\u0103 la pre-completarea acestora \u00een toate procesele noastre de colectare de date. Iar beneficiile sunt evidente. Sunt date din surse de mare \u00eencredere, deci, calitatea acestora este una foarte bun\u0103.<\/p>\n

Timpul de colectare a acestor date este mult scurtat at\u00e2t pentru client, c\u00e2t \u0219i pentru oamenii din front office, timpii de analiz\u0103 ai colegilor din back office, care verific\u0103 documentele prezentate, de asemenea sunt mult scurta\u021bi. Toat\u0103 lumea c\u00e2\u0219tig\u0103 timp\u201d, explic\u0103 ea, ad\u0103ug\u00e2nd c\u0103 b\u0103ncile fac \u00een continuare eforturi \u0219i investi\u021bii semnificative \u00een digitalizarea opera\u021biunilor.<\/p>\n

Pe l\u00e2ng\u0103 digitalizarea modelului de v\u00e2nz\u0103ri, b\u0103ncile continu\u0103 s\u0103 investeasc\u0103 \u0219i \u00een aplica\u021biile de digital banking, dar \u0219i \u00een securitatea informa\u021biilor. \u0218i, \u00een afar\u0103 de aceste preocup\u0103ri constante, b\u0103ncile \u00ee\u0219i diversific\u0103 tot mai mult \u0219i aria de produse care sunt furnizate pe canale digitale.<\/p>\n

\u201eCu toate acestea, exist\u0103 de exemplu anumite dificult\u0103\u021bi \u00een calea digitaliz\u0103rii procesului de contractare a creditelor ipotecare. \u00cen Rom\u00e2nia exist\u0103 c\u00e2teva b\u0103nci care au integrat pre-aprobarea financiar\u0103 a creditului ipotecar \u00een aplica\u021biile de online banking astfel \u00eenc\u00e2t clientul s\u0103 poat\u0103 afla instantaneu care este suma maxim\u0103 pe care o poate ob\u021bine de la banc\u0103, care este valoarea ratei pe care trebuie s\u0103 o pl\u0103teasc\u0103. S-au f\u0103cut deja pa\u0219i de c\u0103tre b\u0103nci, \u00eens\u0103, suntem \u00eenc\u0103 la \u00eenceput. E nevoie \u0219i de sprijinul autorit\u0103\u021bilor pentru a \u00eembr\u0103\u021bi\u0219a digitalizarea \u0219i \u00een privin\u021ba aceasta\u201d, mai spune Ioana Regenbogen.<\/p>\n

Sursa: aici<\/a><\/p>\n

\"\"<\/p>","protected":false},"excerpt":{"rendered":"

Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, c\u0103 \u00een ultimele luni au existat foarte multe discu\u021bii \u00een cadrul unui grup de lucru constituit pe l\u00e2ng\u0103 Comisia pentru tehnologia informa\u021biei \u0219i comunica\u021biilor din Camera Deputa\u021bilor referitor la o nou\u0103 propunere de lege […]<\/p>\n","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3674797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSME Talk Ioana Regenbogen, vicepre\u0219edinte Comisia Juridic\u0103 ARB, despre semn\u0103tura electronic\u0103: Exist\u0103 \u0219anse ca p\u00e2n\u0103 la finalul anului s\u0103 avem o astfel de lege. 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