{"id":7963,"date":"2018-08-24T11:18:00","date_gmt":"2018-08-24T08:18:00","guid":{"rendered":"https:\/\/www.arb.ro\/?p=7963\/"},"modified":"2025-10-08T15:26:24","modified_gmt":"2025-10-08T12:26:24","slug":"directiva-serviciilor-de-plata-revizuita","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/directiva-serviciilor-de-plata-revizuita\/","title":{"rendered":"The revised Payment Services Directive"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7963\" class=\"elementor elementor-7963\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18aac94c e-flex e-con-boxed e-con e-parent\" data-id=\"18aac94c\" 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-754a1d08 elementor-widget elementor-widget-text-editor\" data-id=\"754a1d08\" 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;\">Directiva (UE) 2015\/2366 a Parlamentului European \u0219i a Consiliului din 25 noiembrie 2015 privind serviciile de plat\u0103 \u00een cadrul pie\u021bei interne, de modificare a Directivelor 2002\/65\/CE, 2009\/110\/CE \u0219i 2013\/36\/UE \u0219i a Regulamentului (UE) nr. 1093\/2010, \u0219i de abrogare a Directivei 2007\/64\/CE, numit\u0103 \u0219i Directiva Serviciilor de Plat\u0103 2 sau revizuit\u0103, \u00eenlocuie\u0219te prima Directiv\u0103 a Serviciilor de Pl\u0103\u021bi \u2013 Directiva (CE) 64\/2007, transpus\u0103 \u00een legisla\u021bia rom\u00e2neasc\u0103 prin OUG nr. 113\/2009 privind serviciile de plat\u0103.<\/p>\n<p style=\"text-align: justify;\">This Directive extends the scope and area of the Directive (EC) 64\/2007 to payments made within the European Economic Area (EEA) and to payments to and from countries outside that area in any currency.<\/p>\n<p style=\"text-align: justify;\">The Directive contains provisions to better protect consumers against fraud and incidents. Also, increased consumer rights are provided for transfers and remittances outside Europe or payments in other countries currencies. The new regulation encourages the emergence of new service providers and the development of innovative payment methods through mobile devices and Internet in Europe, to boost the European Union\u2019s global competitiveness.<\/p>\n<p style=\"text-align: justify;\">Directiva (UE) 2015\/2366 extinde categoria Institu\u021biilor de Plat\u0103 cu noi tipuri de juc\u0103tori, prin prevederi care permit accesul la contul bancar al unor entit\u0103\u021bi externe, ce pot oferi clien\u021bilor informa\u021bii privind conturile \u0219i servicii de ini\u021biere a pl\u0103\u0163ilor. Ace\u0219ti furnizori vor trebui s\u0103 respecte acelea\u0219i standarde \u00een materie de reglementare \u0219i supraveghere ca toate celelalte institu\u021bii de plat\u0103.<\/p>\n<p style=\"text-align: justify;\">Institu\u021biile de credit \u0219i to\u021bi furnizorii de servicii de plat\u0103 vor trebui s\u0103 creasc\u0103 nivelul de securitate a tranzac\u021biilor on-line, prin includerea unui protocol mai strict de autentificare a clientului \u00een vederea efectu\u0103rii pl\u0103\u021bii. Autoritatea Bancar\u0103 European\u0103 (EBA) a elaborat standarde tehnice de reglementare privind cerin\u021bele de autentificare a clien\u021bilor \u0219i comunica\u021bii securizate \u00een contextul prevederilor Directivei EU 2366\/2015, care sunt incluse \u00een Regulamentul Delegat UE nr. 389\/2018 al Comisiei Europene.<\/p>\n<p style=\"text-align: justify;\">Institu\u021biile de credit membre ale Asocia\u021biei Rom\u00e2ne a B\u0103ncilor au agreat utilizarea standardului european dezvoltat de Berlin Group &#8211; NextGenPSD2, pentru dezvoltarea de API (Application Programming Interface), in relatia cu prestatorii ter\u021bi de servicii de plat\u0103 (Third Party Providers &#8211; TPP), \u00een vederea \u00eendeplinirii cerin\u021belor Directivei EU 2366\/2015.<\/p>\n<p style=\"text-align: justify;\">The NextGenPSD2 initiative offers a modern, open, harmonized and interoperable set of operational and technical specifications.<\/p>\n<p style=\"text-align: justify;\">The Romanian Association of Banks, a member of the NextGenPSD2 Task Force of the Berlin Group, believes that the open and harmonized standards of the PSD2 XS2A (access to account) interface for processes, data and infrastructures are the components needed for an open, interoperable market. Real interoperability is an essential component of competitive pan-European services that will contribute to the progress of the European single market and will benefit the payment industry.<\/p>\n<p style=\"text-align: justify;\">Berlin Group documentation and details of the European standard and its evolution can be found at\u00a0<a href=\"https:\/\/www.berlin-group.org\/psd2-access-to-bank-accounts\">www.berlin-group.org\/psd2-access-to-bank-accounts<\/a><\/p>\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>Directiva (UE) 2015\/2366 a Parlamentului European \u0219i a Consiliului din 25 noiembrie 2015 privind serviciile de plat\u0103 \u00een cadrul pie\u021bei interne, de modificare a Directivelor 2002\/65\/CE, 2009\/110\/CE \u0219i 2013\/36\/UE \u0219i a Regulamentului (UE) nr. 1093\/2010, \u0219i de abrogare a Directivei 2007\/64\/CE, numit\u0103 \u0219i Directiva Serviciilor de Plat\u0103 2 sau revizuit\u0103, \u00eenlocuie\u0219te prima Directiv\u0103 a Serviciilor [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[73],"tags":[],"class_list":["post-7963","post","type-post","status-publish","format-standard","hentry","category-proiecte"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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