Ce este open banking? Open Banking in Romania<\/strong><\/p>\nIN anul 2020, consumatorii pot alege ce informatii impartasesc si cu cine, iar astfel a luat nastere conceptul de Open Banking, o modalitate sigura de a le oferi furnizorilor acces la informatiile financiare.<\/p>\n
Open banking este cunoscut si sub numele de \u201copen bank data\u201d si este o practica bancara care le ofera furnizorilor terti de servicii financiare acces deschis la datele financiare ale consumatorilor de la institutii bancare si non-bancare prin utilizarea de interfete de programare a aplicatiilor (IPA-uri).In anul 2020 open banking-ul va permite interconectarea conturilor si datelor din institutii pentru a fi folosite de consumatori, institutii financiare si furnizori terti de servicii.<\/p>\n
Sub open banking, bancile permit accesul si controlul informatiilor personale si financiare furnizorilor de servicii, care de regula sunt startup-uri in domeniul tehnologiei si furnizorilor de servicii financiare online. Bancile le cer de obicei clientilor aprobarea de a permite astfel de acces, sub forma verificarii unui chenar pe ecranul Termenilor si Conditiilor dintr-o aplicatie online.<\/p>\n
Apoi, furnizorii terti pot folosi datele clientilor prin IPA-uri. Aplicatiile acestui proces includ, de exemplu, compararea conturilor si istoricului de tranzactii ale clientilor cu o gama de optiuni de servicii financiare, cumularea datelor clientilor si institutiilor financiare participante pentru a crea profiluri de marketing, sau efectuarea tranzactiilor si schimbarilor in cont in numele clientului.<\/p>\n
Directiva privind serviciile de plata PSD2 2020<\/strong><\/p>\nActul pentru reglementarea serviciilor financiare care a deschis usile spre open banking a fost Directiva privind Serviciile de Plata care a avut prima varianta publicata in 2007. Ea reglementa serviciile financiare si activitatea furnizorilor acestora, si avea ca scop cresterea competitiei paneuropene si participarea in industria platilor, prin armonizarea protectiei consumatorilor impreuna cu drepturile si obligatiile prestatorilor de servicii de plata.<\/p>\n
In iulie 2013 a fost propusa revizuirea Directivei, cu textul final publicat in decembrie 2015. Noul scop a fost imbunatatirea protectiei consumatorilor, promovarea inovatiei si intensificarea securitatii serviciilor de plata in UE. Directiva revizuita a intrat in vigoare in UE in ianuarie 2016; in Romania, ea a luat forma Legii nr. 209\/2019 privind serviciile de plata si pentru modificarea unor acte normative, publicata in Monitorul Oficial al Romaniei nr. 913 din 13 noiembrie 2019.<\/p>\n
Aspectele cheie ale Directivei privind Serviciile de Plata<\/strong><\/p>\n\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Extensia tranzactiilor reglementate: acestea includ acum tranzactiile in orice moneda.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Autentificare mai stricta a clientilor: prestatorii de servicii de plata sunt obligati sa asigure un proces mai strict de autentificare de fiecare data cand platitorul isi acceseaza contul online, initiaza tranzactii electronice sau efectueaza orice actiuine prin canale izolate.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Solutionarea litigiilor interne: executarea si aplicarea procedurilor de solutionare a litigiilor, stabilind un timp maxim pentru solutionarea litigiilor clientilor.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Servicii de intiere a platilor: se reglementeaza prestatorii de servicii de initiere a platilor si initierea de plati. Pestatorii de servicii domiciliati in statele membre UE sunt obligati sa ofere facilitati sigure de comunicare, sa informeze prestatorii de servicii de initiere a platilor despre platile initiate si sa trateze toate aceste plati in mod egal.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Servicii de informatii despre conturi: accesul la un cont de utilizator dintr-un serviciu de plati trebuie permis furnizorilor terti pentru servicii de agregare a informatiilor contului.<\/p>\n
Beneficiile Open Banking-ului<\/strong><\/p>\n\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Functioneaza bine aplicata pe banking online si mobil. Poate ajuta consumatorii in mentinerea unui buget, gasirea celor mai bune oferte si in cumpararea unor produse si servicii adecvate.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Plati usoare, directe si rapide. Cu Open Banking, platile sunt efectuate direct din banca.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Open Banking poate schimba felul in care folosim website-uri pentru compararea preturilor. Daca alegi sa ii oferi unui astfel de site acces la informatiile contului, vei primi rezultate pe baza profilului financiar.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Securitate imbunatatita. Unele aplicatii folosesc procesul de \u201cscreed-scraping\u201d, prin care esti nevoit sa le oferi detaliile de autentificare pe care le folosesc pentru a-ti analiza informatiile financiare sau pentru a efectua plati in numele tau; cu Open banking, nu este nevoie sa impartasesti detaliile de autentificare decat cu banca la care esti inregistrat.<\/p>\n
\u00b7 \u00a0 \u00a0 \u00a0 \u00a0 Ai control. Poti alege ce servicii folosesti, si caror furnizori de oferi acces la informatiile personale, precum si cat de lunga este perioada de acces.<\/p>\n
Riscurile Open Banking-ului<\/strong><\/p>\nInterfetele de programare a aplicatiilor open banking nu exclud unele riscuri, precum potentialul unei aplicatii terte malitioase sa fure banii din contul unui utilizator. Insa, acesta este un caz extrem si putin probabil.<\/p>\n
Preocuparile sunt mai mari cand vine vorba de intamplari simple precum incalcarea securitatii datelor din cauza securitatii ineficiente, hacking sau alte amenintari care au devenit cunoscute in era moderna.<\/p>\n
Echipa Tradesilvania<\/p>\n","protected":false},"excerpt":{"rendered":"
O caracteristica fundamentala a bancilor traditionale este faptul ca nu impartasesc informatiile clientilor cu parti terte. In mediul bancar de astazi, insa, schimbarile sunt mari si progresul iminent, astfel incat se gasesc in fiecare zi moduri noi de a administra si proteja datele personale, prin reglementari precum Regulamentul General de<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[97],"tags":[2223,2220,131,2218,2221,2219,2222],"class_list":["post-49694","post","type-post","status-publish","format-standard","hentry","category-news","tag-date-personale","tag-furnizori-servicii","tag-noutati","tag-open-banking","tag-securitate","tag-servicii-financiare","tag-siguranta-informatiilor"],"acf":[],"yoast_head":"\n
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![\"Ce](\"https:\/\/www.tradesilvania.com\/wp-content\/uploads\/2025\/12\/ce-este-open-banking-2020-PSD2-open-banking.png\")
\n <\/p>\n