{"id":4498,"date":"2014-12-19T16:04:50","date_gmt":"2014-12-19T14:04:50","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4498"},"modified":"2024-01-20T14:05:30","modified_gmt":"2024-01-20T12:05:30","slug":"serviciile-financiar-bancare-in-era-digitala","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/serviciile-financiar-bancare-in-era-digitala\/","title":{"rendered":"Serviciile financiar-bancare in era digitala - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4498\" class=\"elementor elementor-4498\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4803a39a e-flex e-con-boxed e-con e-parent\" data-id=\"4803a39a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7264aae6 elementor-widget elementor-widget-text-editor\" data-id=\"7264aae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Trenduri<\/h3><p style=\"text-align: justify;\">SIBOS &#8211; cel mai important eveniment al comunit\u0103\u021bii financiar-bancare globale organizat anual de SWIFT &#8211; a revenit \u00een acest an pe continentul american. Mai mult dec\u00e2t o infrastructur\u0103 global\u0103 de comunica\u0163ii \u015fi mesagerie financiar\u0103, SWIFT este o platform\u0103 de colaborare pentru crearea de standarde \u015fi practici comune, pentru definirea de solu\u0163ii la problemele industriei financiar-bancare, iar acest rol a fost dezvoltat \u015fi consolidat permanent de-a lungul existen\u0163ei sale.<\/p><p style=\"text-align: justify;\">\u00cen perioada 29 septembrie \u2013 2 octombrie 2014, Boston a fost gazda a peste 7.300 de delega\u0163i din 144 de \u021b\u0103ri &#8211; factori de decizie \u015fi exper\u0163i din institu\u0163ii financiar-bancare, furnizori de tehnologie, infrastructuri de pia\u0163\u0103, corpora\u0163ii multina\u0163ionale \u015fi consultan\u0163i. \u00cen spa\u0163iul expozi\u0163ional, peste 220 de companii \u2013 mari grupuri financiar bancare, infrastructuri globale, consultan\u0163i, furnizori de tehnologie informatic\u0103 \u2013 \u015fi-au prezentat ofertele de servicii \u015fi solu\u0163ii.<\/p><p style=\"text-align: justify;\">Promov\u00e2nd valorile sale de baz\u0103 &#8211; excelen\u0163\u0103, comunitate, inova\u0163ie &#8211; SWIFT a fost prezent \u00een expozi\u0163ie, pe l\u00e2ng\u0103 standul propriu, cu <em>Standards Forum<\/em> &#8211; locul preferat de dezbatere a nout\u0103\u0163ilor \u015fi viitorului standardelor specifice industriei \u015fi <em>Innotribe<\/em> \u2013 forumul SWIFT pentru inova\u0163ie, destinat schimburilor de idei \u015fi identific\u0103rii de noi proiecte \u015fi solu\u0163ii pentru problemele comunit\u0103\u0163ii financiar-bancare pe termen mediu \u015fi lung.<\/p><p style=\"text-align: justify;\">Dezbaterile \u00een cadrul plenarelor SIBOS au fost dominate de necesitatea standardiz\u0103rii \u015fi armoniz\u0103rii, de impactul reglement\u0103rilor, de schimb\u0103rile curente care au ca motor evolu\u0163ia tehnologic\u0103 \u015fi cerin\u0163ele clien\u0163ilor.<\/p><p style=\"text-align: justify;\">\u00centr-o varietate de sesiuni, dezbateri pe probleme mari, sesiuni de interes special \u015fi paneluri de discu\u0163ii, au fost tratate temele principale ale SIBOS:<\/p><ul><li style=\"text-align: justify;\">noile reglement\u0103ri &#8211; provoc\u0103ri sau oportunit\u0103\u0163i<\/li><li style=\"text-align: justify;\">excelen\u0163a opera\u0163ional\u0103<\/li><li style=\"text-align: justify;\">cre\u015fterea eficien\u0163ei serviciilor financiar-bancare prin inova\u0163ie \u015fi colaborare<\/li><\/ul><p style=\"text-align: justify;\">Nu au lipsit nici \u00een acest an tradi\u0163ionalele forumuri de discu\u0163ie privind accesul corpora\u0163iilor la infrastructura \u015fi serviciile SWIFT, infrastructurile de pia\u0163\u0103, viitorul standardelor \u015fi inter-operabilitatea, conformitatea cu reglement\u0103rile privind combaterea criminalit\u0103\u0163ii financiare, dar \u015fi numeroase sesiuni focalizate pe tehnologie \u015fi inova\u0163ie.<\/p><p style=\"text-align: justify;\">A fost organizat \u00een premier\u0103 un flux de discu\u0163ii dedicat firmelor de investi\u0163ii financiare, cu accent pe provoc\u0103rile outsourcing-ului \u00eentr-o er\u0103 preocupat\u0103 de riscurile sistemice \u015fi opera\u0163ionale, precum \u015fi locul inova\u0163iei \u00eentr-o pia\u0163\u0103 tradi\u0163ional conservatoare.<\/p><p style=\"text-align: justify;\">Adoptarea standardelor de mesagerie financiar\u0103 ISO 20022, care au \u00eemplinit deja 10 ani de existen\u0163\u0103 \u015fi sunt utilizate \u00een peste 70 de pie\u0163e, a fost un subiect dezb\u0103tut pe larg \u00een cadrul Standards Forum. ISO 20022 este o familie de standarde tranzac\u0163ionale proiectate pentru \u00eentregul lan\u0163 al tranzac\u0163iei, dincolo de spa\u0163iul interbanacar, standarde ce permit colectarea cerin\u0163elor dintr-o perspectiv\u0103 de afaceri pe care tehnicienii o pot accesa pentru a implementa sisteme interoperabile bazate pe componente reutilizabile.<\/p><p style=\"text-align: justify;\">O tem\u0103 care a dominat discu\u0163iile \u00een cadrul SIBOS a fost conformitatea cu reglement\u0103rile privind prevenirea sp\u0103l\u0103rii banilor \u015fi finan\u0163\u0103rii terorismului, dar \u015fi sanc\u0163iunile economice, de importan\u0163\u0103 critic\u0103 pentru comunitatea interna\u0163ional\u0103, ca metod\u0103 de a lupta \u00eempotriva crimei financiare. Portofoliul solu\u0163iilor de conformitate SWIFT este dezvoltat pe baza reglement\u0103rilor \u00een domeniu la nivel interna\u0163ional \u015fi cuprinde : solu\u0163ia <em>Sanctions Screening<\/em>, <em>KYC Registry<\/em> \u2013 un registru global KYC care colecteaz\u0103 \u0219i distribuie informa\u0163ii actualizate privind cunoa\u0219terea clientelei, precum \u015fi serviciul <em>Compliance Analitycs<\/em>.<\/p><p style=\"text-align: justify;\">\u00cen cursul lunii decembrie, SWIFT a anun\u0163at lansarea <em>KYC Registry, <\/em>care este disponibil pentru b\u0103ncile care doresc s\u0103 reduc\u0103 riscurile legate de activit\u0103\u0163ile de conformitate KYC ale b\u0103ncilor lor corespondente, registru la care au aderat deja 20 de mari b\u0103nci globale \u015fi regionale.<\/p><p style=\"text-align: justify;\">Adoptarea noilor tehnologii genereaz\u0103 valoare pentru industria financiar\u0103, prin explorarea oportunit\u0103\u0163ilor aduse de Internet, dispozitivele mobile \u015fi re\u0163elele sociale, prin posibilitatea de a atrage noi clien\u0163i \u015fi de a construi rela\u0163ii mai str\u00e2nse cu cei existen\u0163i.<\/p><p style=\"text-align: justify;\">Oportunit\u0103\u0163ile dar \u015fi provoc\u0103rile generate de evolu\u0163ia tehnologiei preocup\u0103 industria financiar-bancar\u0103 mai mult ca niciodat\u0103, \u00een special din punctul de vedere al necesit\u0103\u0163ii de adaptare rapid\u0103 a industriei la schimb\u0103rile tehnologice \u015fi la cerin\u0163ele \u00een continua modificare, generate de evolu\u0163ia tehnologic\u0103 &#8211; ale clien\u0163ilor.<\/p><p style=\"text-align: justify;\">O serie de sesiuni au dezb\u0103tut utilizarea tehnologiei <em>cloud<\/em> \u00een sistemele financiar bancare, riscuri \u015fi oportunit\u0103\u0163i, impactul adopt\u0103rii acestei tehnologii mai ales din perspectiva asigur\u0103rii securit\u0103\u0163ii \u015fi confiden\u0163ialit\u0103\u0163ii informa\u0163iilor.<\/p><p style=\"text-align: justify;\">O tem\u0103 important\u0103 a fost securitatea informa\u0163iei \u00een spa\u0163iul virtual, evolu\u0163ia riscurilor \u015fi amenin\u0163\u0103rilor, metodele de cooperare la nivelul industriei financiare pentru diminuarea efectelor nedorite ale acestora.<\/p><p style=\"text-align: justify;\">SIBOS a constituit \u015fi un prilej de evaluare a realiz\u0103rii obiectivelor strategiei SWIFT2015, aflat\u0103 aproape de finalizare. Un anun\u0163 important a fost \u00eendeplinirea &#8211; mai devreme cu un an dec\u00e2t a fost planificat &#8211; angajamentul SWIFT de a reduce pre\u0163urile mesageriei SWIFT cu procente cuprinse \u00eentre 30 \u015fi 50% \u00eentre 2010 \u015fi 2015, un obiectiv al organiza\u0163iei inclus \u00een aceast\u0103 strategie.<\/p><p style=\"text-align: justify;\">\u00cen cadrul \u00eent\u00e2lnirii cu Pre\u015fedin\u0163ii Grupurilor na\u0163ionale de membri &amp; utilizatori SWIFT, desf\u0103\u015furat\u0103 \u00een fiecare an cu prilejul SIBOS, a fost pus\u0103 \u00een discu\u0163ie propunerea de strategie SWIFT 2020, focalizat\u0103 pe mai multe direc\u0163ii de ac\u0163iune, astfel:<\/p><ul style=\"text-align: justify;\"><li>dezvoltarea de solu\u0163ii pentru pl\u0103\u0163i na\u0163ionale \u00een timp real 24\/7 \u015fi pentru pl\u0103\u0163i interna\u0163ionale persoan\u0103-la-persoan\u0103,<\/li><li>diversificarea \u00een continuare a portofoliului de solu\u0163ii privind asigurarea conformit\u0103\u0163ii cu cerin\u0163ele referitoare la prevenirea sp\u0103l\u0103rii banilor \u015fi combaterea criminalit\u0103\u0163ii financiare, cunoa\u015fterea clientelei \u015fi monitorizarea sanc\u0163iunilor (AML, KYC, Sanctions);<\/li><li>dezvoltarea portofoliului de solu\u0163ii pentru corpora\u0163iile de top \u015fi pentru \u00eentreprinderile mici \u015fi mijlocii \u015fi eliminarea tuturor barierelor care \u00eempiedic\u0103 conectarea corpora\u0163iilor la SWIFT;<\/li><li>dezvoltarea portofoliului de solu\u0163ii pentru domeniul tranzac\u0163iilor cu produse de investi\u0163ii financiare, prin extinderea serviciilor 24\/7, a serviciilor AML, KYC, Sanctions.<\/li><\/ul><p style=\"text-align: justify;\">A\u015fa cum a afirmat \u00een Plenara de deschidere Pre\u015fedintele SWIFT Yawar Shah, \u201cSWIFT r\u0103m\u00e2ne ata\u0219at valorilor sale de baz\u0103, inovativ, dar &#8211; mai presus de toate &#8211; global, neutru, sigur, de \u00eencredere, lucr\u00e2nd \u00eempreun\u0103 cu comunitatea, \u00een sprijinul comunit\u0103\u021bii\u201c.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d3b531 elementor-widget elementor-widget-button\" data-id=\"5d3b531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/PF_decembrie2_2014.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<h3>Trenduri<\/h3>\n<p>Rodica Tuchil\u0103, Director, Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor, SWIFT User Group Chairperson Romania  &#8211; <em>Pia\u021ba Financiar\u0103, decembrie 2014<\/em><\/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-4498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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