Store utfordringer for bankene! (PSD2, Åpne APIer, Open Banking)
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Har du hørt om PSD2, Åpne APIer eller muligens Open Banking? Ikke? Vel, da er det lite rolig at du jobber i finansnæringen! Innen finansnæringen (bankene) er dette (for øyeblikket) den store stygge ulven!
Det er PSD2 (Revised Payment Service Directive – Revidert betalingstjenestedirektiv) som er synderen. Dette er et nytt direktiv fra EU som blir en del av det norske lovverket fra januar 2018. EU ønsker at PSD2 skal skape økt konkurranse og økt innovasjon innen banknæringen i EU og EØS området. PSD2 skal fremhjelpe dette på 2 måter:
- Betaling (som i betaling av regninger):
(PISP: Payment Initiation Service Provider)
PSD2 tvinger bankene til å la sine kunder betale sine regninger og gjøre sine pengeoverførsler via tredjeparter. Dette betyr at registeringen av en betaling, som du i dag gjør i Nettbanken eller Mobilbanken, gjøres hos en tredjepart, og denne tredjeparten sender så betalingen videre inn til banken din for behandling, via et IT grensesnitt, et API (Application Program Interface). Tredjeparten her kan være Facebook, Amazon, Finn.no, COOP, REMA, en annen bank, eller en ny aktør vi ikke har hørt om ennå. - Tilgang til betalingsinformasjon (kontoutskrifter):
(AISP: Account Information Service Provider.)
PSD2 pålegger bankene å la sine kunder gi tillatelse til tredjeparter å hente ut betalingsinformasjon fra kundens betalingskonti. Dette gjøres ved at tredjeparten henter betalingsinformasjonen fra banken din via et IT grensesnitt, et API. Tredjeparten kan her være Facebook, Amazon, Finn.no, COOP, REMA, en annen bank, eller en ny aktør vi ikke har hørt om ennå.
Risikoen for bankene knyttet til PSD2 er at de mister kontakten med kundene sine. I dag har banken i hovedsak kontakt med kundene hvis de er inne i Nettbanken eller Mobilbanken for å sjekke saldo eller gjennomføre betalinger. Da kan banken kommuniserer med kundene, og prøve å selge dem nye produkter eller prøve å få dem til å oppgradere eksisterende produkter. Hvis kunden utfører sine betalinger, ev. sjekker saldo hos en tredjepart mister banken kontakten med kunden, banken kan få redusert kundelojalitet, og et større press på priser. I tillegg kan banken får større konkurranse og marginpress på utlånssiden, hvis f.eks. tredjepartene begynner å distribuere lån fra forskjellige aktører.
EU sitt motiv for å innføre PSD2 er et ønske om å øke konkurransen i bankmarkedet, og dermed gi forbrukerne i EU lavere priser og bedre, nye, og mer innovative bankløsninger.
Den gevinsten man ser for seg for bankkundene er som følger:
- På betalingssiden vil PSD2 muliggjøre at en tredjepart kan vis deg alle dine betalingskonti (med saldo) som du har i alle bankene i Norge, og potensielt i hele Europa. Dette betyr at de kan gi deg en totaloversikt over alle betalingskontoene dine og deres saldoer, og du kan velge hvilken konto vil bruke for å betale en spesifikk regning. I tillegg Kan du få råd om at du får høyere renter eller mindre gebyrer hvis du flytter større pengebeløp fra en konto en bank til en konto i en annen bank, eller gjør betalingene din i en annen bank. Hvis en nettbutikk blir en tredjepart kan man også få muligheten til å betale for en handel du gjennomfører på f.eks. Finn.no inne i Finn.no gjennom denne løsningen, istedenfor å bruke kredittkort, debetkort eller VIPPS, da vil nettbutikken spare de prosentene av hver betalingstransaksjon som i dag går som gebyrer kortleverandørene. I tillegg ser EU for seg at PSD2, ved å gi de mange nye og meget innovative FinTech selskapene tilgang til betalingsfunksjonaliteten, vil gjøre at det kommer mange nye og innovative løsninger knyttet til betaling ut på markedet, noe som vil hjelpe til med å gi bankkundene en enklere, billigere og bedre hverdag.
- Ved å gi tredjeparter tilgang til din betalingsinformasjon håper EU at disse tredjepartene, ved å bruke og analysere denne informasjonen, vil kunne lage nye og innovative tjenester som skal hjelpe bankkundene til en enklere hverdag. Eksempler på dette kan være å analysere forbruket ditt, og foreslå måter du kan spare penger på, eller anbefale deg å endre betalingsvaner for å spare gebyrer. Videre kan vi ser for oss introduksjon av mer avanserte rådgivningsløsninger som basert på betalingsinformasjon, som din inntekt og dine forbruks vaner (+ev. annen informasjon du er villig til å gi dem), kan gi deg råd relatert til f.eks. boligkjøp, lån og sparing/investeringer.
Nå er det ikke slik at hvem som helst kan bli en PSD2 aktør. Heldigvis! Vi vil ikke ha kriminelle organisasjoner som PSD2 aktører! Skal du være med her må du søke om konsesjon fra Finanstilsynet, og jeg forventer at Finanstilsynet også vil komme med en del krav og forskrifter som disse aktørene må forholde seg til for å ikke miste konsesjonen. (Ala IKT Forskriften m.m. som bankene må forholde seg til.) I tillegg er det stor fokus på sikkerheten, både mellom kunden og PSD2 aktøren, og mellom PSD2 aktøren og bankene. Antar vi ser krav om pålogging til PSD2 aktørens løsninger med BankID, og strenge autentiseringskrav mellom PSD2 aktørens løsninger og bankenes APIer. I tillegg må du trolig som kunde godkjenne en PSD2 aktør i bankens Nettbank eller Mobilbank før aktøren kan hente ut dine konti/data fra banken via APIene og send inn betalinger. Dette betyr også at du kan fjerne disse tillatelsene i Nettbanken/Mobilbanken om du ønsker det på et senere tidspunkt.
Så hvordan vil PSD2 påvirke banknæringen, f.eks. i løpet av 2 til 3 år? La oss se på mulige scenarier:
- Banken tar grep og beholder mer eller mindre den posisjonen de har i dag, fordi det er bankene kundene stoler på når det gjelder å ta vare på pengene deres, og bankene kommer med nye innovative tjenester som de enten har utviklet selv, eller har fått på plass gjennom partnerskap med innovative gründerbedrifter. I dette scenariet har de nye tredjepartsaktører ikke klart å ta noen signifikat markedsandel fra bankene.
- Noen få nye og innovative aktører kommer på markedet med nye, brukervennlige og spennende løsninger, noe som gjør at de tar mer eller mindre hele markedet fra bankene. Her har de nye aktørene klart å levere løsninger som kundene synes er så bra at de, på tross av sin sterke lojalitet til bankene, velger å ta dem i bruk. Bankene ender opp som rene produktleverandører og mister kontroll over kundene sine.
- Det kommer mange nye aktører på markedet, og bankene mister markedsandeler til disse. Men ingen klarer å vinne kampen om kundene, og vi ender opp med et meget fragmentert marked der veldig mange aktører, inklusiv bankene, kjemper for å ta nye markedsandeler, og for å beskytte sine eksisterende markedsandeler.
Personlig tror jeg at scenarium A er det mest sannsynlige. Bakgrunnen til dette er at bankkundene er meget lojale overfor bankene sine, og også stoler på bankene når det gjelder å ta vare på pengene deres. I tillegg jobber bankene nå med å få på plass nye løsninger, ofte i samarbeid med nye innovative grundere, slik at de kan kjempe mot de nye aktørene på like fot.
#Teknologi #Bank #Banker #API #PSD2 #OpenAPI #ÅpneAPI #PISP #AISP #OpenBanking
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COSC Validation and its Strict Standards
COSC, or the Official Swiss Chronometer Testing Agency, is the official Swiss testing agency that attests to the precision and accuracy of wristwatches. COSC validation is a mark of superior craftsmanship and reliability in chronometry. Not all watch brands pursue COSC accreditation, such as Hublot, which instead sticks to its own demanding standards with mechanisms like the UNICO calibre, achieving comparable precision.
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The core system of a mechanical timepiece involves the spring, which supplies energy as it unwinds. This system, however, can be susceptible to external factors that may impact its precision. COSC-validated movements undergo strict testing—over 15 days in various circumstances (5 positions, 3 temperatures)—to ensure their resilience and reliability. The tests measure:
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Historic Context and the Development of Chronometers
The concept of the chronometer originates back to the requirement for precise timekeeping for navigation at sea, emphasized by John Harrison’s work in the 18th cent. Since the official foundation of COSC in 1973, the certification has become a yardstick for judging the precision of luxury watches, maintaining a tradition of superiority in watchmaking.
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로드스탁에서 제공되는 레버리지 스탁은 증권 투자법의 한 방법으로, 높은 이익율을 목적으로 하는 투자자들에게 매력적인 선택입니다. 레버리지 사용을 이용하는 이 전략은 투자하는 사람들이 자신의 자금을 넘어서는 금액을 투입할 수 있도록 하여, 주식 장에서 더 큰 힘을 가질 수 있는 기회를 줍니다.
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레버리지 스탁은 높은 이익을 제공하지만, 그만큼 높은 위험도 따릅니다. 주식 거래의 변화는 추정이 힘들기 때문에, 레버리지 사용을 사용할 때는 늘 상장 동향을 면밀히 주시하고, 피해를 최소로 줄일 수 있는 계획을 구성해야 합니다.
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Прежде всего данный факт необходимо для обеспечения безопасности своих финансов. Многие участники рынка рискуют потерять потери денег своих средств вследствие несправедливых планов или краж. Проверка кошельков кошельков помогает обнаружить на своем пути сомнительные операции и предупредить.
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Отмывание денег путем цифровые валюты переходит в все более обычным методом с тем чтобы сокрытия происхождения капитала. Используя разнообразные техники, преступники могут стараться отмывать незаконно завоеванные средства посредством криптовалютные обменники или миксеры средств, для того чтобы осуществить процесс их происхождение менее прозрачным.
Поэтому, анализ USDT на чистоту становится весьма значимой практикой предосторожности для того чтобы пользователей цифровых валют. Доступны специализированные платформы, какие осуществляют анализ сделок и кошельков, чтобы определить ненормальные операции и незаконные источники средств. Эти сервисы помогают участникам устранить непреднамеренного участия в финансирование преступных деяний и предотвратить блокировку счетов со со стороны контролирующих органов.
Анализ USDT на чистоту также как помогает обезопасить себя от финансовых потерь. Владельцы могут быть убеждены что их активы не связаны с противоправными транзакциями, что в свою очередь снижает риск блокировки аккаунта или лишения капитала.
Таким образом, в условиях современности возрастающей степени сложности криптовалютной среды требуется принимать шаги для гарантирования безопасности своих финансовых ресурсов. Проверка USDT на чистоту с помощью специализированных платформ представляет собой одним из способов противодействия незаконной деятельности, предоставляя владельцам цифровых валют дополнительный уровень и безопасности.
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Анализ Tether в чистоту: Каковым способом обезопасить свои электронные состояния
Все больше пользователей обращают внимание к безопасность их криптовалютных активов. Постоянно дельцы изобретают новые способы разграбления цифровых денег, или владельцы цифровой валюты становятся страдающими их подстав. Один из техник охраны становится проверка кошельков в присутствие незаконных денег.
С какой целью это важно?
Преимущественно, с тем чтобы защитить собственные активы от мошенников и украденных монет. Многие участники встречаются с потенциальной угрозой потери личных активов вследствие мошеннических схем или грабежей. Тестирование бумажников способствует выявить подозрительные транзакции и предотвратить возможные потери.
Что мы предоставляем?
Наша компания предоставляем услугу проверки цифровых бумажников или транзакций для выявления источника денег. Наша система проверяет данные для обнаружения нелегальных транзакций а также оценки риска для вашего портфеля. Благодаря этой проверке, вы сможете избежать проблем с регулированием а также обезопасить себя от участия в незаконных операциях.
Как это работает?
Мы работаем с лучшими аудиторскими организациями, например Kudelsky Security, с целью обеспечить прецизионность наших проверок. Мы применяем новейшие технологии для обнаружения опасных транзакций. Ваши информация обрабатываются и хранятся в соответствии с высокими стандартами безопасности и конфиденциальности.
Как проверить свои USDT в чистоту?
Если вам нужно убедиться, что ваши USDT-бумажники нетронуты, наш сервис предоставляет бесплатную проверку первых пяти кошельков. Просто вбейте местоположение собственного кошелька на на нашем веб-сайте, и также мы предоставим вам детальный доклад о его статусе.
Охраняйте вашими активы сегодня же!
Избегайте риска подвергнуться шарлатанов либо оказаться в неприятную ситуацию из-за незаконных операций. Свяжитесь с нашему сервису, чтобы обезопасить ваши цифровые активы и избежать проблем. Предпримите первый шаг к сохранности вашего криптовалютного портфеля уже сейчас!
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קנאביס הנחיות: המכון השלם לקניית קנאביסין במקום הטלגרמה
קנאביס הנחיות היא אתר מסמכים ומדריכים להשקיה שרף באמצעות התוכנה המובילה טלגרם.
האתר רשמי סופק את כל הקישורים הידיעתיים והמסמכים המעודכן להקבוצות וערוצים הנבחרים מומלצות לקריאה לקניית פרחי קנאביס בהמסר בישראל.
כמו כך, אתר האינטרנט מספק מדריכים מפורטים לאיך להתכנן בהקנאביס ולרכוש שרף בקלות הזמנה ובמהירות מירבית.
בעזרת המדריכים, גם כן משתמשים חדשים יוכלו להמערכת ההגראס בטלגרם בצורה מאובטחת ומוגנת.
ההרובוטים של הקנאביס מאפשר להמשתמשים ללבצע את פעולה שונות וצבעוניות כמו גם הפעלת קנאביס, קבלה סיוע מקצועי, בדיקת והכנסת פידבק על פריטים. כל זאת בפני פשוטה ונוחה דרך היישומון.
כאשר מדובר בשיטות שלמות, הקנאביס מפעילה בשיטות מוכרות מאוד כגון מזומן, כרטיסי האשראי של אשראי וקריפטומונדה. חיוני לציין כי יש לבדוק ולוודא את ההנחיות והחוקות המקומיים בארץ שלך לפני התבצעות רכישה.
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