{"id":7474,"date":"2018-02-12T18:01:42","date_gmt":"2018-02-12T16:01:42","guid":{"rendered":"https:\/\/www.arb.ro\/?p=7474\/"},"modified":"2024-01-20T14:00:59","modified_gmt":"2024-01-20T12:00:59","slug":"sepa-de-10-ani-europa","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/sepa-de-10-ani-europa\/","title":{"rendered":"SEPA \u2013 de 10 ani \u00een Europa - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7474\" class=\"elementor elementor-7474\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51eff3c4 e-flex e-con-boxed e-con e-parent\" data-id=\"51eff3c4\" 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-fba5ca7 elementor-widget elementor-widget-text-editor\" data-id=\"fba5ca7\" 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<p style=\"text-align: justify;\">Data de 28 ianuarie 2018 marcheaz\u0103 \u00eemplinirea a 10 ani de la lansarea primului instrument de plat\u0103 armonizat la nivel european \u2013 SEPA Credit Transfer \u2013 moment de referin\u021b\u0103 pentru industria european\u0103 a pl\u0103\u021bilor electronice, proiectul SEPA &#8211; Single Euro Payments Area \u2013 constituind funda\u021bia pentru o nou\u0103 er\u0103 a pla\u021bilor \u00een Europa, caracterizat\u0103 ast\u0103zi de pl\u0103\u021bi instant \u0219i \u2018open banking\u2019.<\/p><p style=\"text-align: justify;\">SEPA este proiectul de cea mai mare anvergur\u0103 derulat de industria european\u0103 a pl\u0103\u0163ilor, pentru realizarea unei pie\u0163e integrate a serviciilor de pl\u0103\u0163i \u00een euro, prin eliminarea barierelor comerciale, legale \u015fi tehnice existente \u00eentre pie\u0163ele de pl\u0103\u0163i na\u0163ionale din Europa.<\/p><p style=\"text-align: justify;\">Dup\u0103 un efort concertat \u0219i sus\u021binut, \u00eenceput \u00een anul 2002, al industriei europene a pl\u0103\u021bilor &#8211; reunit\u0103 \u00een Consiliul European al Pl\u0103\u021bilor \u2013 primul instrument de plat\u0103, SEPA Credit Transfer, a fost lansat la 28 ianuarie 2008, \u00een timp ce instrumentele de debitare direct\u0103, SEPA Direct Debit Core \u0219i Business-to- Businesss, au fost lansate \u00een noiembrie 2009.<\/p><h3 style=\"text-align: justify;\">SEPA \u2013 unde suntem dup\u0103 10 ani ?<\/h3><p style=\"text-align: justify;\">\u00cen anul 2012, prin Regulamentul SEPA, autorit\u0103\u021bile europene au stabilit termene clare pentru migrarea la instrumentele de plat\u0103 SEPA &#8211; 1 august 2014 pentru zona euro \u0219i 31 octombrie 2016 pentru zona non-euro.<\/p><p style=\"text-align: justify;\">Ast\u0103zi, la 10 ani de la lansarea primului instrument de plat\u0103 SEPA, pia\u021ba unic\u0103 a pl\u0103\u021bilor \u00een euro a devenit o realitate, toate pl\u0103\u021bile prin transfer credit \u0219i debitare direct\u0103 \u00een euro realizate la nivel na\u021bional sau transfrontalier fiind realizate \u00een conformitate cu regulile de afaceri \u0219i cerin\u021bele tehnice definite de standardele SEPA. Printre tr\u0103s\u0103turile cele mai importante ale acestor instrumente se num\u0103r\u0103:<\/p><ul style=\"text-align: justify;\"><li>pan-European coverage;<\/li><li>transferul integral al sumei de plat\u0103 \u00een contul beneficiarului \u0219i transparen\u021ba comisioanelor,<\/li><li>maximal settlement dates \u2013 one business day for credit transfer, two business days for periodic direct debit payments;<\/li><li>utilizarea codului BIC pentru identificarea unic\u0103 a b\u0103ncii, a codului IBAN pentru identificarea unic\u0103 a contului, precum \u0219i a mesajelor de plat\u0103 \u00een format ISO 20022 XML,<\/li><li>procesarea complet automatizat\u0103 prin sisteme de procesare electronice de la ini\u021biatorul pl\u0103\u021bii p\u00e2n\u0103 la beneficiarul final.<\/li><\/ul><p style=\"text-align: justify;\">34 de \u021b\u0103ri, 520 de milioane de cet\u0103\u021beni \u0219i mai mult 122 de miliarde de pl\u0103\u021bi electronice anual \u2013 aceasta este zona geografic\u0103 SEPA, \u00een care cet\u0103\u021benii \u0219i companiile pot utiliza acelea\u0219i instrumente de plat\u0103 &#8211; transferuri de credit, debit\u0103ri directe \u0219i carduri &#8211; atunci c\u00e2nd efectueaz\u0103 pl\u0103\u021bi \u00een euro pe teritoriul Europei, ca \u0219i atunci c\u00e2nd pl\u0103tesc \u00een euro \u00een \u021bara lor de origine.<\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-5353\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-ron.jpg\" alt=\"\" width=\"331\" height=\"285\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-ron.jpg 331w, https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-ron-300x258.jpg 300w\" sizes=\"(max-width: 331px) 100vw, 331px\" \/><\/p><p style=\"text-align: justify;\">In SEPA, we can make euro payments between any accounts opened with the banks operating in this geographical area, with the same ease and the same service and security level with which they are made inside national borders.<\/p><p style=\"text-align: justify;\">For European companies, common standards, fast settlement and simplified processing lead to improving payment flows, cost reduction and easier access to new markets. Moreover, the business environment can benefit from the development inside national communities of some innovative products, based on SEPA standards, delivered by payment services providers.<\/p><p style=\"text-align: justify;\">A novelty of the SEPA area is the possibility to make and collect cross-border euro payments via direct debit due to the harmonization of practices and the adoption of the same technical formats across national markets.<\/p><h3 style=\"text-align: justify;\">Cum evolueaz\u0103 pia\u021ba pl\u0103\u021bilor post-SEPA ?<\/h3><p style=\"text-align: justify;\">Crearea SEPA este un proces complex \u0219i continuu, obiectivul pe termen lung al programului SEPA fiind stimularea unei zone de pl\u0103\u0163i electronice, prin utilizarea instrumentelor SEPA exclusiv \u00een format electronic, extinderea ariei de ac\u0163iune de la segmentul interbancar la canalele banc\u0103-client \u015fi prin procesarea automat\u0103 integrat\u0103 a pl\u0103\u0163ilor SEPA.<\/p><p style=\"text-align: justify;\">\u00cen prezent, pia\u021ba este preocupat\u0103 de redefinirea modelelor de afaceri \u00een domeniul pl\u0103\u021bilor, prin noi instrumente de plat\u0103, a\u0219a cum sunt pl\u0103\u021bile instant \u0219i prin implementarea prevederilor Directivei revizuite a Serviciilor de Pl\u0103\u021bi (PSD2).<\/p><p style=\"text-align: justify;\">Noua Schem\u0103 SEPA Credit Transfer Instant (SCT Inst) pentru pl\u0103\u021bi \u00een euro a fost lansat\u0103 la sf\u00e2r\u0219itul lunii noiembrie 2017. Sistemul de procesare pentru pl\u0103\u021bi instant \u00een euro a devenit opera\u021bional pentru 585 de furnizori de servicii de plat\u0103 din opt \u021b\u0103ri europene: Austria, Estonia, Germania, Italia, Letonia, Lituania, Olanda \u0219i Spania, la care se vor adaug\u0103 \u00een perioada urm\u0103toare \u0219i alte \u021b\u0103ri din zona SEPA.<\/p><p><img decoding=\"async\" class=\"aligncenter size-full wp-image-7504\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-instrumente-de-plata.jpg\" alt=\"\" width=\"1276\" height=\"660\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-instrumente-de-plata.jpg 1276w, https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-instrumente-de-plata-300x155.jpg 300w, https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-instrumente-de-plata-1024x530.jpg 1024w, https:\/\/www.arb.ro\/wp-content\/uploads\/sepa-instrumente-de-plata-768x397.jpg 768w\" sizes=\"(max-width: 1276px) 100vw, 1276px\" \/><\/p><p style=\"text-align: justify;\">Schema permite transferul electronic al banilor &#8211; \u00een prezent p\u00e2n\u0103 la 15.000 de euro \u2013 \u00een \u00eentreaga Europ\u0103, \u00een mai pu\u021bin de zece secunde, \u00een orice moment \u0219i \u00een orice zi a anului, inclusiv \u00een weekend-uri \u0219i s\u0103rb\u0103tori. Persoanele fizice, \u00eentreprinderile, corpora\u021biile \u0219i administra\u021biile pot efectua \u0219i primi transferuri credit instant \u00een euro, at\u00e2t la nivel na\u021bional, c\u00e2t \u0219i transfrontalier (\u00eencep\u00e2nd cu cele opt \u021b\u0103ri), fondurile fiind disponibile imediat.<\/p><p style=\"text-align: justify;\">Banca Central\u0103 European\u0103 este \u0219i ea preocupat\u0103 de pl\u0103\u021bile instant \u0219i 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><p style=\"text-align: justify;\">Apari\u0163ia PSD2 &#8211; varianta revizuit\u0103 a primei Directive a Serviciilor de Plat\u0103 (PSD1) &#8211; a fost necesar\u0103 pentru actualizarea \u0219i modernizarea legisla\u021biei din perspectiva evolu\u0163iei tehnologiei, pentru a crea o mai mare deschidere, transparen\u021b\u0103, competitivitate \u0219i pentru a stimula inova\u0163ia \u00een zona serviciilor de plat\u0103. PSD2 aduce o serie de nout\u0103\u0163i importante \u00een aria serviciilor de plat\u0103 la nivel european:<\/p><p style=\"text-align: justify;\">PSD2 extinde scopul \u015fi aria de acoperire a PSD1 pentru pl\u0103\u0163i \u00een orice moned\u0103, efectuate \u00een interiorul spa\u021biului economic European, dar \u0219i pentru pl\u0103\u021bi c\u0103tre \u0219i din \u021b\u0103rile din afara Spa\u0163iului Economic European &#8211; one-leg in sau out &#8211; \u00een orice moned\u0103;<\/p><p style=\"text-align: justify;\">PSD2 reglementeaz\u0103 noi juc\u0103tori pe pia\u0163a pl\u0103\u0163ilor: Third Party Providers (TPP), care pot oferi clien\u0163ilor servicii de informa\u0163ii despre conturi sau pot ini\u0163ia pl\u0103\u0163i direct din contul clientului.<\/p><p style=\"text-align: justify;\">Deschiderea b\u0103ncilor pentru aceste noi servicii &#8211; prin intermediul unor interfe\u021be de tip \u201dOpen API\u201d c\u0103tre entit\u0103\u021bi externe \u2013 va produce modific\u0103ri substan\u021biale pentru pia\u021b\u0103, \u00eembun\u0103t\u0103\u021bind \u00een final oferta \u0219i serviciile de pl\u0103\u021bi pentru consumatori.<\/p><p style=\"text-align: justify;\">PSD2 va cre\u015fte competi\u0163ia pe pia\u0163a pl\u0103\u0163ilor \u015fi va \u020bnlesni drumul c\u0103tre \u201eone single banking market\u201c, o pia\u021b\u0103 f\u0103r\u0103 bariere geografice sau de reglementare \u015fi care este, de altfel, un obiectiv exprimat la nivelul Uniunii Europene. Pe m\u0103sur\u0103 ce aceste bariere cad, pia\u021ba bancar\u0103 va deveni mai eficient\u0103.<\/p><p style=\"text-align: justify;\">PSD2 aduce oportunit\u0103\u0163i pentru b\u0103nci, care vor avea posibilitatea s\u0103 \u00ee\u0219i diversifice serviciile oferite, prin inovare \u015fi prin \u00eencheierea de parteneriate cu companiile fintech. B\u0103ncile \u0219i to\u021bi prestatorii de servicii de plat\u0103 vor trebui s\u0103 adopte m\u0103suri pentru cre\u0219terea securit\u0103\u021bii tranzac\u021biilor online, prin includerea unui protocol mai strict de autentificare a clientului \u00een vederea efectu\u0103rii pl\u0103\u021bilor.<\/p><h3 style=\"text-align: justify;\">SEPA \u00een Rom\u00e2nia<\/h3><p style=\"text-align: justify;\">Comunitatea bancar\u0103 din Rom\u00e2nia s-a implicat \u00een proiectul SEPA \u00eencep\u00e2nd cu luna martie 2007, ca urmare a ader\u0103rii Rom\u00e2niei la Uniunea European\u0103, ARB devenind membr\u0103 a Consiliului European al Pl\u0103\u0163ilor \u0219i particip\u00e2nd activ la elaborarea \u0219i implementarea standardelor SEPA.<\/p><p style=\"text-align: justify;\">Tot \u00een anul 2007, ARB \u0219i-a asumat rolul de organiza\u0163ie suport pentru aderarea la Schemele de pl\u0103\u0163i SEPA elaborate de Consiliul European al Pl\u0103\u0163ilor \u2013 National Adherence Support Organization (NASO). \u00cen aceast\u0103 calitate, Asocia\u0163ia furnizeaz\u0103 toate informa\u0163iile privind procesul de aderare la Schemele SEPA \u0219i asigur\u0103 asisten\u0163a necesar\u0103 privind procesul \u015fi aplica\u0163iile de aderare ale b\u0103ncilor la Schemele de pl\u0103\u0163i SEPA.<\/p><p style=\"text-align: justify;\">\u00cen plus, comunitatea bancar\u0103 din Rom\u00e2nia a derulat \u0219i finalizat cu succes un proiect unic \u00een Uniunea European\u0103 care a avut ca obiectiv modernizarea fluxurilor interbancare de pl\u0103\u021bi prin adoptarea standardelor SEPA pentru pl\u0103\u021bile \u00een lei.<\/p><p style=\"text-align: justify;\">Proiectul a urm\u0103rit uniformizarea fluxurilor de pl\u0103\u0163i \u00een lei, automatizarea \u015fi facilitarea schimburilor de informa\u021bii cu clien\u0163ii corporati\u015fti, dezvoltarea instrumentului de debitare direct\u0103 \u00een conformitate cu standardele europene \u0219i adoptarea pe scar\u0103 larg\u0103 a acestuia, dar \u015fi diminuarea presiunii investi\u0163ionale \u015fi opera\u0163ionale determinate de adoptarea euro.<\/p><p style=\"text-align: justify;\">Nu \u00een ultimul r\u00e2nd, comunitatea bancar\u0103 din Rom\u00e2nia deruleaz\u0103 proiectul de dezvoltare a unei infrastructuri de procesare a pl\u0103\u021bilor instant \u00een lei (SCT Inst RON), pe baza Schemei de pl\u0103\u021bi pentru pl\u0103\u021bi instant \u00een euro adoptat\u0103 la nivel european, aliniindu-se astfel la tendin\u021bele europene \u0219i globale.<\/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-53a36bc elementor-widget elementor-widget-button\" data-id=\"53a36bc\" 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\/SEPA.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":"<p>Rodica Tuchil\u0103, Director Executiv Asocia\u0163ia Rom\u00e2n\u0103 a B\u0103ncilor Pre\u015fedinte Grupul Utilizatorilor SWIFT Rom\u00e2nia<\/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-7474","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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