{"id":5251,"date":"2015-11-18T13:44:59","date_gmt":"2015-11-18T11:44:59","guid":{"rendered":"https:\/\/www.arb.ro\/?p=5251"},"modified":"2024-01-20T14:03:34","modified_gmt":"2024-01-20T12:03:34","slug":"swift-business-forum-romania-2015","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/swift-business-forum-romania-2015\/","title":{"rendered":"SWIFT Business Forum Romania 2015 - only in romanian"},"content":{"rendered":"
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Interoperabilitate \u0219i inova\u021bie \u00een serviciile financiar bancare<\/h3>

Cea de a \u0219asea edi\u021bie a SWIFT Business Forum Rom\u00e2nia, eveniment organizat la data de 28 octombrie 2015 la Bucure\u0219ti, de Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor \u0219i SWIFT, a reunit reprezentan\u021bii comunit\u0103\u021bii financiar bancare, autorit\u0103\u021bilor de reglementare, infrastructurilor de pia\u021b\u0103 \u0219i mediului de afaceri, pentru a discuta despre standarde, interoperabilitate, impactul revolu\u021biei digitale, tendin\u021be, oportunit\u0103\u021bi \u0219i provoc\u0103ri la nivelul industriei.<\/p>

Lucr\u0103rile Forumului au fost deschise de Radu Gra\u0163ian Ghe\u0163ea, Pre\u015fedinte al Grupului Membrilor SWIFT din Rom\u00e2nia \u015fi Pre\u0219edinte CEC Bank, care a vorbit despre schimb\u0103rile semnificative pe care era digital\u0103 le va produce asupra opera\u021biunilor bancare \u00een viitorul apropiat \u0219i despre necesitatea de a identifica solu\u021bii pentru diminuarea riscurilor. \u00cen acest context, Radu Ghe\u0163ea s-a referit la solu\u021bia lansat\u0103 la sf\u00e2r\u0219itul anului 2014 de SWIFT, \u0219i anume Know Your Correspondent – KYC Registry, subliniind c\u0103 utilizarea acestui registru poate fi esen\u0163ial\u0103 pentru diminuarea riscurilor la nivelul comunit\u0103\u0163ii bancare. ‘\u00cen Rom\u00e2nia exist\u0103 deja interes pentru solu\u021bia lansat\u0103 de SWIFT \u0219i pot spune c\u0103 CEC Bank este deja parte a acestui proiect, sper ca \u00een scurt timp s\u0103 putem fi certifica\u021bi de SWIFT. ‘ a precizat Radu Ghe\u0163ea.<\/p>

Sergiu Oprescu, Pre\u0219edinte al Consiliului Director al Asocia\u021biei Rom\u00e2ne a B\u0103ncilor \u0219i Pre\u0219edinte Executiv Alpha Bank Rom\u00e2nia, a vorbit despre sistemul bancar din Rom\u00e2nia, care s-a dovedit a fi foarte rezilient \u00een ultimii ani, indicatorul de solvabilitate de 18%, fiind unul dintre cele mai mari din regiune. Remarc\u00e2nd c\u0103 sectorul bancar rom\u00e2nesc este printre pu\u021binele din Uniunea European\u0103 care, \u00een timpul crizei, nu a avut nevoie de sus\u0163inere din bani publici, Sergiu Oprescu a ad\u0103ugat c\u0103 acesta sus\u0163ine \u015fi contribuie permanent la dezvoltarea economiei rom\u00e2ne\u015fti.<\/p>

‘\u00cen opinia mea, trei lucruri au avut un impact important asupra sectorului bancar. Primul este reprezentat de creditele neperformante, schimbarea comportamentului clien\u021bilor \u0219i modalit\u0103\u021bile noi \u00een care se gestioneaz\u0103 riscurile, plus guvernan\u021ba corporatist\u0103. Toate aceste lucruri \u00eensemnau provoc\u0103ri \u0219i sistemul bancar trebuia s\u0103 se ajusteze pe o baz\u0103 regulat\u0103. \u00cen al doilea r\u00e2nd, de fiecare dat\u0103 c\u00e2nd apare o criz\u0103 exist\u0103 o tendin\u021b\u0103 c\u0103tre supra-reglementare. Sper c\u0103 vom avea \u00een\u021belepciunea, \u00een Rom\u00e2nia, s\u0103 avem o structur\u0103 corect\u0103 \u00eentre nivelul de reglementare \u0219i inova\u021bie. Un al treilea factor este concuren\u021ba continu\u0103 din partea entit\u0103\u021bilor non-bancare. Cred c\u0103 aceast\u0103 concuren\u021b\u0103 va ajuta sistemul bancar s\u0103 fie constructiv’, a explicat Sergiu Oprescu.<\/p>

Michael Formann, Head of SWIFT Austria \/ CEE, a prezentat elementele cheie ale strategiei SWIFT 2020, care define\u015fte o agend\u0103 ambi\u021bioas\u0103 pentru comunitatea SWIFT \u00een urm\u0103torii cinci ani, pentru a r\u0103spunde provoc\u0103rilor aduse de evolu\u021bia tehnologiei, de noile reglement\u0103ri \u015fi de cerin\u0163ele \u00een continu\u0103 transformare ale pie\u0163ei. El a vorbit despre cele trei dimensiuni principale ale acestei strategii: cre\u0219terea \u0219i consolidarea serviciilor de mesagerie de baz\u0103 pentru pl\u0103\u021bi \u0219i produse de investi\u0163ii financiare, extinderea ofertei pentru infrastructurile de pia\u021b\u0103 \u0219i un portofoliu consistent de solu\u0163ii de conformitate cu reglement\u0103rile privind criminalitatea financiar\u0103.<\/p>

\u00cen contextul SWIFT2020, o preocupare important\u0103 a SWIFT este evolu\u0163ia costurilor cu mesageria financiar\u0103. Andre Boico, Head of Pricing, a ar\u0103tat c\u0103 SWIFT va continua s\u0103 ac\u021bioneze pentru sc\u0103derea pre\u0163urilor mesajelor \u0219i pentru pachete de oferte personalizate care s\u0103 satisfac\u0103 cerin\u0163ele pie\u0163ei. \u00cen ceea ce prive\u015fte traficul SWIFT, acesta a manifestat o cre\u015ftere stabil\u0103 \u015fi puternic\u0103, de aproximativ 10% fa\u021b\u0103 de aceea\u0219i perioad\u0103 a anului trecut. Andre Boico a remarcat c\u0103 Rom\u00e2nia a cunoscut o cre\u0219tere a traficului SWIFT de peste 50% pe parcursul ultimilor cinci ani.<\/p>

Un subiect important al Forumului l-a constituit portofoliul de solu\u0163ii dezvoltat de SWIFT \u00een ultimii ani pentru a sprijini institu\u021biile financiar bancare s\u0103 r\u0103spund\u0103 provoc\u0103rilor de conformitate cu reglement\u0103rile privind criminalitatea financiar\u0103. Julien Laurent, Specialist KYC\/AML SWIFT, a prezentat solu\u0163iile SWIFT pentru monitorizarea sanc\u0163iunilor, cunoa\u015fterea clientelei \u015fi prevenirea sp\u0103l\u0103rii banilor. O aten\u021bie deosebit\u0103 a fost acordat\u0103 Registrului Know Your Customer \u2013 KYC Registry, o platform\u0103 centralizat\u0103 la nivel global pentru a stoca datele \u015fi documentele calificate ale institu\u0163iilor financiar bancare pe care acestea le pot consulta atunci c\u00e2nd stabilesc, actualizeaz\u0103 sau evalueaz\u0103 rela\u0163iile cu b\u0103ncile corespondente.<\/p>

Forumul a continuat cu o sesiune dedicat\u0103 standardelor \u00een industria financiar bancar\u0103. Dezbaterea privind viitorul standardelor a fost deschis\u0103 pornind de la situa\u0163ia coexisten\u0163ei mai multor standarde la nivelul industriei financiar bancare \u015fi necesitatea asigur\u0103rii interoperabilit\u0103\u0163ii \u00eentre institu\u0163iile financiare, infrastructurile de pia\u0163\u0103 \u015fi comunit\u0103\u0163ile de utilizatori finali. Familia de standarde ISO 20022 a devenit \u00een ultimii ani op\u0163iunea preferat\u0103 de standarde de mesagerie financiar\u0103 pentru infrastructurile de pia\u0163\u0103 \u0219i c\u00e2\u015ftig\u0103 de asemenea teren \u00een spa\u021biul corpora\u0163ie-banc\u0103. Margaux Monforti, Expert ISO 20022 Business Development SWIFT, a prezentat tendin\u021bele \u0219i stadiul adopt\u0103rii ISO 20022, subliniind rolul SWIFT de a sprijini comunitatea \u00een procesul de adoptare a standardelor, precum \u015fi pentru a exploata la maximum oportunit\u0103\u0163ile oferite de aceste standarde.<\/p>

Referindu-se la infrastructurile europene de pia\u021b\u0103 \u0219i ISO 20022, Luiza Lucaci, \u0218ef Departament TARGET2 Banca Na\u0163ional\u0103 a Rom\u00e2niei, a vorbit despre stadiul proiectului B\u0103ncii Centrale Europene de migrare a platformei TARGET2 la ISO 20022, precum \u015fi despre proiectul TARGET2 Securities, care va utiliza acelea\u015fi standarde de mesagerie.<\/p>

Michael Formann a subliniat ini\u021biativele de adoptare a standardelor ISO 20022 pe pia\u0163a opera\u0163iunilor cu produse de investi\u0163ii financiare. Sesiunea dedicat\u0103 standardelor s-a \u00eencheiat cu un studiu de caz privind proiectul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor pentru implementarea portalului SWIFT MyStandards \u00een scopul administr\u0103rii eficiente a standardelor pentru mesajele de pl\u0103\u0163i la nivelul comunit\u0103\u021bii bancare, prezentat de Lumini\u021ba Soitu, Consultant Financiar Bancar.<\/p>

Trec\u00e2nd de la standarde c\u0103tre tehnologie, Judit Baracs a prezentat nout\u0103\u0163ile privind SWIFTRef, utilitarul proiectat la nivelul industriei pentru constituirea, \u00eentre\u021binerea \u0219i furnizarea de date de referin\u021b\u0103 \u00een domeniul pl\u0103\u0163ilor.<\/p>

Moder\u00e2nd sesiunea final\u0103 a Forumului dedicat\u0103 tehnologiei, Kevin Johnson, Innotribe Startup Challenge Manager SWIFT, a provocat audien\u0163a prin c\u00e2teva aspecte concrete privind \u201eruptura digital\u0103\u201d, ritmul exponen\u0163ial al schimb\u0103rii, noile entit\u0103\u0163i intrate \u00een peisajul serviciilor financiar bancare \u015fi destructurarea modelului b\u0103ncilor corespondente, subliniind necesitatea colabor\u0103rii \u00eentre sectorul bancar \u0219i companiile FinTech.<\/p>

Corina Mihalache, CEO Allevo, a descris provoc\u0103rile cu care se confrunt\u0103 ast\u0103zi antreprenorii \u0219i a vorbit despre importan\u021ba colabor\u0103rii dintre sectorul bancar \u0219i companiile FinTech pentru dezvoltarea \u0219i livrarea \u00een timp util a unor produse \u0219i servicii care s\u0103 corespund\u0103 cerin\u021belor pie\u021bei.<\/p>

Canalele digitale iau locul din ce \u00een ce mai mult canalelor bancare tradi\u021bionale. Alexandru Bi\u021b\u0103, Director eBusiness Libra Bank, a vorbit despre canalele digitale lansate de banca sa pe pia\u021ba rom\u00e2neasca \u015fi despre produsele dezvoltate \u00een baza colabor\u0103rii \u0219i parteneriatului dintre banc\u0103 \u015fi clien\u0163ii s\u0103i.<\/p>

Elie Lasker, Senior Manager Market Infrastructures SWIFT, a prezentat ultimele evolu\u0163ii privind sistemele de pl\u0103\u021bi \u00een timp real \u0219i a subliniat rolul SWIFT \u00een dezvoltarea acestor sisteme, \u00een baza expertizei dob\u00e2ndite \u00een definirea de standarde \u015fi ca furnizor al unei infrastructuri securizate la nivel global.<\/p>

Apari\u021bia unor sisteme de pl\u0103\u0163i instant, o preocupare major\u0103 de ultim\u0103 or\u0103 la nivel european, preocup\u0103 \u00een egal\u0103 m\u0103sur\u0103 \u015fi comunitatea bancar\u0103 din Rom\u00e2nia. Lauren\u021biu Mura, Project Manager Transfond, operatorul infrastructurii de pl\u0103\u021bi din Rom\u00e2nia, a prezentat viziunea Transfond pentru un sistem de pl\u0103\u021bi \u00een timp real \u0219i provoc\u0103rile dezvolt\u0103rii unui astfel de sistem la nivel na\u021bional.<\/p>

SWIFT Business Forum Rom\u00e2nia s-a dovedit \u015fi \u00een acest an o platform\u0103 real\u0103 pentru schimbul de informa\u021bii, comunicare \u0219i colaborare la nivelul comunit\u0103\u0163ii financiar bancare din Rom\u00e2nia. Din perspectiva responsabilit\u0103\u0163ii sociale, cu ocazia organiz\u0103rii la Bucure\u015fti a acestui eveniment, SWIFT a anun\u0163at sprijinul s\u0103u pentru SOS Children\u2019s Village Bucure\u015fti, don\u00e2nd acestei organiza\u0163ii 5.000 de euro pentru programul de consolidare a familiei.<\/p>

Mai multe informa\u0163ii \u015fi materialele prezentate \u00een cadrul Forumului sunt publicate pe site-ul Asocia\u0163iei Rom\u00e2ne a B\u0103ncilor https:\/\/www.arb.ro\/swift-business-forum-romania-editia-a-vi-a\/<\/a><\/p>

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Interoperabilitate \u0219i inova\u021bie \u00een serviciile financiar bancare<\/h3>\n

Rodica Tuchil\u0103, Director ARB, – Pia\u021ba Financiar\u0103, noiembrie 2015 <\/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-5251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSWIFT Business Forum Romania 2015 - 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\/swift-business-forum-romania-2015\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SWIFT Business Forum Romania 2015 - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Interoperabilitate \u0219i inova\u021bie \u00een serviciile financiar bancare Rodica Tuchil\u0103, Director ARB, - 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