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Новини Технологии и концепции
бр. 3, 2017

5 неща, които трябва да знаете за PSD2

от , 20 март 2017 2 754 прочитания,

Директивата, без съмнение, ще промени плащанията в Европа. Предизвикателството все пак ще бъде в това как потребителите ще реагират на новите технологични доставчици 

Преди известно време имаше само предположения около така очакваната PSD2 – ревизираната Директива за платежните услуги. През 2015 година тя бе приета от Европейския парламент и с това приложението и вече предстои. Но след всичко изговорено за директивата и за гласуването и в Европейския парламент, за широк кръг заинтересувани от нейното прилагане специалисти все още не е достатъчно ясно какво в действителност е PSD2.

В тази статия ще се спрем на най-важните аспекти свързани с PSD2 и ще се опитаме да изясним защо директивата породи толкова шум и вълнение.

1. Всичко започва с Директивата за платежните услуги (PSD)

Целта на PSD, приета през 2007 г., беше създаване на общ пазар за плащания в рамките на Европейския съюз.

Това законодателство:

- създаде правилата и указанията за модерни платежни услуги в ЕС

- улесни плащанията и процедурите за плащания в ЕС

- целеше насърчаване на конкуренцията чрез отваряне на плащанията за нови участници

- защитаваше ефективността и промените в плащанията и намаляването на разходите

- осигури правната основа за Единната европейска платежна зона (SEPA).

2. След това дойде PSD2 – ревизираната Директива за платежните услуги

Ревизираната Директива за платежните услуги (PSD2 – EU Directive 2015/2366) беше предложена от Европейската комисия през 2013 г., като целта беше създаване на равнопоставеност чрез:

- стандартизиране, интегриране и подобряване ефикасността на плащанията в ЕС,

- предлагане на по-добра защита на потребителя,

- насърчаване на иновациите в сферата на плащанията и намаляване на разходите,

- внедряване и осигуряване на яснота за употребата на новите методи на плащане, като мобилни плащания и онлайн плащания,

- създаване на равнопоставеност за предоставящите разплащателни услуги, позволявайки на нови компании да навлязат в сферата,

- хармонизиране цените и подобряване сигурността на извършването на плащания в ЕС,

- включване на новите и развиващи се платежни услуги в закона.

 

 

3. И все пак, какво е важното в PSD2?

Банките обсъждат оживено PSD2, защото привеждането на дейността им в съответствие с Директивата ще изисква много инвестиции, ще намали съществуващите им потоци от приходи и ще въведе цяла вълна от конкуренти.

За подробности може да потърсите коментарите на Starling Bank за PSD2 в техния корпоративен блог. Но по-накратко важните аспекти са:

Първо, когато купуваме нещо онлайн, обикновено даваме нашите данни на сайта на търговеца, след това търговецът си получава парите от банковата ни сметка през няколко посредници (фиг. 1).

PSD2 ще позволи на търговците да „искат“ от клиентите разрешение да ползват вашите банкови данни. След като разрешението бъде дадено, търговецът ще получава плащане директно от вашата банка, без посредници (фиг. 2).

 

 

Директната връзка между търговеца и банките ще бъде възможна чрез приложен програмен интерфейс (API, Application Programming Interface). Използването на API е интересно, защото позволява иновативни компании да се свързват директно с финансови институции.

Второ, тези от вас, които имат сметки в различни банки, сега трябва да влизат в уебсайта на всяка от банките поотделно. С PSD2 се въвежда AISP (Account Information Service Provider), който ще ви позволи да виждате всичката информация от банките в един портал. Това е интересно, защото означава, че новите доставчици, не е задължително да са банки, могат да обединяват вашата информация за сметите ви на едно място и да придобият задълбочена информация за вас. Това предлага доходоносни възможности за кръстосани продажби за тези нови доставчици.

4. Интересно... Какво още ще донесе PSD2?

Въвеждането и регулирането на доставчици на плащане от трета страна (TPPs), както е описано по-горе, ще става от два типа, предлагащи: иницииращи плащания доставчици на услуги (PISP, Payment Initiation Services Providers) и доставчици на услуги поддържащи сметката (AISP, Account Information Service Providers).

Ще има също:

- Безусловно право на възстановяване на средства по директни дебити според схемата SEPA CORE

- Стабилна система за идентифициране на потребителя

- Забрана на допълнителното таксуване за плащания с карта.

- По-добра защита на потребителя срещу измама, с ограничение на възможни плащания до €50 при неоторизирано плащане.

- Подобрена защита на потребителя за плащания, извършени извън ЕС и в страни, които не са членки на ЕС.

5. Какво следва?

Предложенията в PSD2 вече са финализирани от Европейския парламент и в близко бъдеще ще бъдат гласувани в страните-членки за официално приемане на Директивата. След като тези гласувания бъдат проведени, страните-членки ще имат две години да въведат промените в своите национални закони.

Достъп на трета страна до банкови сметки (XS2A), използване на API за директно свързване на търговеца и банката и възможността за обединяване на различни сметки в един портал без съмнение ще променят плащанията в Европа. Иновативните компании ще бъдат решени да окупират това пространство и да отговорят на евентуални недоволства на потребителите от настоящите доставчици на услугата. Предизвикателството все пак ще бъде в това как потребителите ще реагират на новите технологични доставчици и как тези новодошли ще отговарят на очакванията на потребителите и на европейските регулаторни органи. В същото време, новите фирми ще трябва да осигурят въвеждането на най-високо ниво на сигурност – все пак те ще имат достъп до вашите банкови смети и ще боравят с вашите плащания.

Източници:

[1] PSD2 Directive and trend of API Banking, Siva Dorai, LinkedIn, July 30, 2016

[2] 5 Things You Need To Know About PSD2 – Payment Services Directive, Zee Abbas, LinkedIn, Nov 11, 2016

[3 Explaining PSD2 without TLAs is tough!, www.starlingbank.com

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Трябва да сте регистриран потребител, за да коментирате статията
"5 неща, които трябва да знаете за PSD2"



    

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