{"id":9532,"date":"2018-07-31T13:08:56","date_gmt":"2018-07-31T10:08:56","guid":{"rendered":"https:\/\/www.arb.ro\/?p=9532"},"modified":"2024-01-20T14:00:24","modified_gmt":"2024-01-20T12:00:24","slug":"dezvoltare-digitala-intre-reglementare-si-oportunitate","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/dezvoltare-digitala-intre-reglementare-si-oportunitate\/","title":{"rendered":"DEZVOLTARE DIGITAL\u0102 \u2013 \u00centre reglementare \u0219i oportunitate - only in romanian"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"9532\" class=\"elementor elementor-9532\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6abd69fd e-flex e-con-boxed e-con e-parent\" data-id=\"6abd69fd\" 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-701b0ed4 elementor-widget elementor-widget-text-editor\" data-id=\"701b0ed4\" 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;\">Tehnologia continu\u0103 s\u0103 p\u0103trund\u0103 \u00een via\u021ba noastr\u0103, \u00een orice domeniu de activitate \u0219i creeaz\u0103 noi oportunit\u0103\u021bi \u0219i \u00een industria financiar bancar\u0103 prin posibilitatea de a automatiza procesele interne, de a crea noi modele de afaceri \u0219i de a oferi servicii rapide, comode \u0219i sigure, \u00een orice loc, \u00een orice moment, cu costuri reduse, care s\u0103 satisfac\u0103 cerin\u021bele unei noi genera\u021bii de clien\u021bi.<\/p><p style=\"text-align: justify;\">\u00cen ultimii ani, autorit\u0103\u021bile europene au emis un num\u0103r important de reglement\u0103ri, av\u00e2nd ca obiectiv crearea unei pie\u021be europene integrate a serviciilor financiar-bancare. Aceste ini\u021biative au ap\u0103rut ca urmare a nevoii de actualizare a legisla\u021biei pentru a r\u0103spunde provoc\u0103rilor curente, precum cele generate de digitalizare, dar \u0219i pentru a cre\u0219te gradul de incluziune financiar\u0103 la nivelul Uniunii Europene. Apari\u021bia noii Directive a Serviciilor de Pl\u0103\u021bi \u2013 Directiva UE 2366\/2015 &#8211; cunoscut\u0103 sub prescurtarea PSD2 (Payments Services Directive 2) a fost necesar\u0103 pentru modernizarea legisla\u021biei din perspectiva evolu\u021biei tehnologiei, pentru a crea o mai mare deschidere, transparen\u021b\u0103 \u0219i competitivitate \u0219i pentru a stimula inova\u021bia \u00een zona serviciilor financiar-bancare.<\/p><p style=\"text-align: justify;\">Noua Directiv\u0103 a Serviciilor de Pl\u0103\u021bi aduce o serie de nout\u0103\u021bi importante:<\/p><ul style=\"text-align: justify;\"><li>extinde scopul \u0219i aria de aplicabilitate a primei Directive a Serviciilor de Pl\u0103\u021bi (Directiva CE 64\/2007) pentru pl\u0103\u021bi \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\u021biului Economic European \u2013 one-leg in sau out &#8211; \u00een orice moned\u0103.<\/li><li>reglementeaz\u0103 noi juc\u0103tori pe pia\u021ba pl\u0103\u021bilor: Third Party Providers (TPPs) &#8211; prestatori de servicii care sunt de dou\u0103 tipuri:<br \/><ul style=\"list-style-type: square;\"><li>Account Information Service Providers (AISPs) \u2013 furnizori care se conecteaz\u0103 la conturile bancare \u015fi furnizeaz\u0103 clientului informa\u021bii integrate despre conturile sale, recomand\u0103ri de investi\u021bii bazate pe comportamentul clientului etc.<\/li><li>Payment Initiation Service Providers (PISPs) \u2013 furnizori care pot ini\u021bia tranzac\u021bii de plat\u0103 direct din contul clientului.<\/li><\/ul><\/li><\/ul><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 TPPs \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. Alte elemente de noutate prev\u0103zute de PSD2 sunt:<\/p><ul style=\"text-align: justify;\"><li>consumatorii vor fi mai bine proteja\u021bi \u00eempotriva fraudei, a eventualelor abuzuri \u0219i a incidentelor de plat\u0103;<\/li><li>consumatorii vor suporta pierderi limitate p\u00e2n\u0103 la maximum 50 euro (fa\u021b\u0103 de 150 euro \u00een prezent) \u00een cazul pl\u0103\u021bilor cu cardul neautorizate;<\/li><li>sunt prev\u0103zute drepturi sporite ale consumatorilor pentru realizarea de transferuri \u0219i remiteri de bani \u00een afara Europei sau pl\u0103\u021bi \u00een monede ale \u021b\u0103rilor ter\u021be;<\/li><li>este \u00eencurajat\u0103 apari\u021bia unor noi operatori \u0219i dezvoltarea de modalit\u0103\u021bi inovatoare de plat\u0103 de pe telefonul mobil \u0219i prin Internet \u00een Europa, pentru a stimula competitivitatea Uniunii Europene la nivel mondial.<\/li><\/ul><p style=\"text-align: justify;\">PSD2 va cre\u0219te competi\u021bia pe pia\u021ba pl\u0103\u021bilor \u0219i va \u00eenlesni drumul c\u0103tre \u201eone single\u00a0 banking market\u201c, o pia\u021b\u0103 f\u0103r\u0103 bariere geografice sau de reglementare \u0219i care este, de altfel, un obiectiv exprimat la nivelul Uniunii Europene. Pe m\u0103sur\u0103 ce aceste bariere cad, pia\u021ba bancar\u0103 european\u0103 va deveni mai eficient\u0103. Implementarea prevederilor noii Directive aduce o serie de provoc\u0103ri pentru sistemul bancar, legate \u00een special de costurile cu infrastructurile IT, care vor cre\u0219te ca urmare a cerin\u021belor mult mai ridicate \u00een ceea ce prive\u0219te securitatea datelor \u0219i a tranzac\u021biilor. At\u00e2t institu\u021biile de credit, c\u00e2t \u0219i furnizorii ter\u021bi de servicii de plat\u0103 vor trebui s\u0103 creasc\u0103 m\u0103surile de securitate a tranzac\u021biilor on-line, prin includerea unui protocol mai strict de autentificare a clientului \u00een vederea efectu\u0103rii pl\u0103\u021bii.<\/p><p style=\"text-align: justify;\">Totodat\u0103, industria bancar\u0103 va trebui s\u0103 procedeze la reorganizarea proceselor \u0219i modelelor de afaceri, la modificarea contractelor cu clien\u021bii, s\u0103 realizeze adaptarea sistemelor informatice, s\u0103 implementeze solu\u021bii pentru o autentificare sigur\u0103 a noilor furnizori, dar \u0219i s\u0103 \u00ee\u0219i asume o colaborare str\u00e2ns\u0103 cu noii furnizori de servicii de plat\u0103 astfel \u00eenc\u00e2t transpunerea Directivei s\u0103 conduc\u0103 la un efect benefic concret \u0219i coerent pentru consumatori.<\/p><p style=\"text-align: justify;\">PSD2 aduce o serie de oportunit\u0103\u021bi pentru b\u0103nci, care au posibilitatea s\u0103 \u00ee\u0219i diversifice serviciile, prin inovare \u0219i prin \u00eencheierea de parteneriate cu companiile FinTech. Deschiderea b\u0103ncilor prin interfe\u021bele \u201dOpen API\u201d le ofer\u0103 acestora posibilitatea de a distribui \u00een mod flexibil produse prin intermediul unor canale ter\u021be furnizate de partenerii FinTech, facilit\u00e2nd inova\u021bia \u0219i reduc\u00e2nd timpul de livrare pe pia\u021b\u0103 sau de a \u00eencorpora oferte ale unor ter\u021be p\u0103r\u021bi \u00een propriile oferte de produse, propun\u00e2nd astfel o gam\u0103 mai larg\u0103 de servicii, ceea ce poate spori loialitatea clien\u021bilor.<\/p><p style=\"text-align: justify;\">Gradul de introducere a tehnologiilor digitale \u00een rela\u021biile cu clien\u021bii este un factor esen\u021bial pentru ca sectorul bancar s\u0103 poat\u0103 utiliza la maximum oportunit\u0103\u021bile oferite de PSD2. Din perspectiva introducerii tehnologiilor digitale \u00een serviciile financiar bancare, la nivelul sistemului bancar rom\u00e2nesc exist\u0103 preocup\u0103ri pe mai multe planuri:<\/p><ul><li style=\"text-align: justify;\">dezvoltarea \u0219i punerea la dispozi\u021bia clien\u021bilor de servicii digitale &#8211; rapide, comode, eficiente, sigure \u0219i transparente &#8211; care vor duce la diminuarea deplas\u0103rilor la banc\u0103, eliminarea h\u00e2rtiilor \u0219i a birocra\u021biei;<\/li><li style=\"text-align: justify;\">realizarea de investi\u021bii importante \u00een sisteme informatice \u0219i de telecomunica\u021bii, standardizarea \u0219i adoptarea celor mai bune practici europene, dezvoltarea unor noi servicii precum serviciile de pl\u0103\u021bi instant;<\/li><li style=\"text-align: justify;\">\u00eent\u0103rirea cooper\u0103rii privind asigurarea securit\u0103\u021bii cibernetice la nivel individual \u0219i la nivelul sistemului bancar &#8211; pentru prevenirea \u0219i solu\u021bionarea incidentelor de securitate cibernetic\u0103, pentru diminuarea fraudelor electronice \u0219i asigurarea unui grad c\u00e2t mai \u00eenalt de protec\u021bie a clien\u021bilor;<\/li><li style=\"text-align: justify;\">informarea clien\u021bilor pentru utilizarea serviciilor digitale pe scar\u0103 larg\u0103 \u0219i pentru con\u0219tientizarea regulilor de securitate minime necesare pentru a-\u0219i proteja datele personale \u0219i financiare;<\/li><li style=\"text-align: justify;\">demersuri pentru armonizarea legisla\u021biei, \u00een paralel cu participarea la procesul de transpunere la nivel na\u021bional a noilor reglement\u0103ri europene.<\/li><\/ul>\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-77329c0 elementor-widget elementor-widget-button\" data-id=\"77329c0\" 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\/Dezvoltare_digitala%E2%80%93Intre_reglementare_si_oportunitate.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 \u2013 BANCHERI iulie 2018<\/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-9532","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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