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Descarca Bank Watch SEPA • Sisteme de plãþi SWIFTNET • Outsourcing • Învãþãmânt bancar Nr. 4 / 15 iiuniie - 15 iiulliie 2009 www.marketwatch.ro intelligent management TRANSFONDTRANSFOND paginile 6-7 ªIªI „SEPA„SEPA PEPE LEI”LEI”:: UNUN PASPAS NECESAR,NECESAR, PENTRUPENTRU CINE?CINE? (II)(II) Infrastructuri de plãþi • Canale electronice de distribuþie • Sisteme informatice Ingenico - liderul mondial în soluþii de plãþi electronice securizate ºi cel mai mare producãtor de POS-uri bancare din lume. Terminalul Ingenico 5100 este avansat, puternic, sigur ºi flexibil ºi oferã o soluþie unicã pentru tranzacþii electronice destinate în special comercianþilor cu amãnuntul ºi restaurantelor. Acest terminal are PIN Pad integrat, perfect pentru comercianþii care au un numãr redus ºi mediu al tranzacþiilor. Are formã ergonomicã ºi poate fi utilizat cu uºurinþã de posesorii de carduri. În România, echipamentele Ingenico I5100 sunt folosite în prezent pentru reîncarcare electronicã (parteneriat Caracteristici de securitate remarcabile • sistem de securitate HSC integrat, dezvoltat de Ingenico dupã cu Euronet Worldwide, începând cu 2007), precum ºi în anii de experienþã acumulaþi ca lider mondial în securitatea POS-urilor. Acesta oferã niveluri diferite de securitate, care îndeplinesc cele mai exi- activitatea bancarã. gente cerinþe ale tranzactiilor de platã (PCI PED, ZKA ...). Deþine un procesor pe 32 de biþi, pentru a sprijini criptarea (RSA, DES, 3DES ...), asigurându-se astfel confidenþialitatea datelor; Cu peste 15 milioane de terminale de platã active în • Securitatea mai multor aplicaþii care sã ruleze independent pe acelaºi peste 125 de þãri – Ingenico deþine peste o treime din dispozitiv este asiguratã de tehnologia UNICAPTTM. valoarea totalã a pieþei. Calitate ºi performanþã • are disponibilã o gamã largã de opþiuni de comunicare internã: V22bis, V29, V34 (rapid), ISDN. • Opþiunea Plug - permite extinderea capac- itãþii de comunicare a terminalului; • Ethernet ºi Wi-Fi Plug - sunt module care pot fi adãugate podusului original; • este conceput în jurul unui subansamblu bloc care face ca procesul de mentenanþã, precum ºi cel de testare sã se realizeze uºor. De peste 25 ani, Ingenico furnizeazã combinaþia perfectã Utilizare facilã între performanþã, fiabilitate, • Imprimantã termicã este silenþioasã ºi rapidã (12 linii/ se- inovaþie ºi securitate. cundã) ºi este uºor de încãrcat; • tastatura conceputã ergonomic, pentru o tastare rapidã a PIN- ului; Azi Ingenico deþine un portofoliu • display grafic mare, cu contrast complet de echipamente de platã fixe, reglabil. • Lentile care permit personalizare, mobile, integrate, care pot furniza soluþii pentru promovarea în cele mai diverse domenii: bãnci ºi instituþii brandului/logo-ului clientului; • Doar un singur cablu pentru toate financiare, comercianþi, loterie, industria petrolului, conexiunile externe (accesoriu); • In funcþie de volum, sunt posibile sãnãtãþii ºi nu numai.“ ºi alte opþiuni. DANUBIUS EXIM Str. Vasile Gherghel nr.12, sector 1, Bucureºti Tel: 021/ 224.55.24; Fax: 021/ 224.22.28 CALL CENTER: 021 200 6000 www.danubius-exim.ro; www.ingenico.com e-mail: [email protected] Inovatie si comoditate , , ( (editorial de vacanta), IONEL DUMITRU PMP, SEPA PROJECT MANAGER, TRANSFOND SA Din punct de vedere al operaþiunilor bancare, douã par a fi preocupãrile acestui an: SEPA, dar mai ales Directiva privind serviciile de plãþi. Amândouã au iz de reglementare, chiar dacã uneia i-a fost adãugat prefixul „auto”. Pânã la urmã însã, amândouã constau în impunerea unor reguli care ar determina un mare progres în materie de plãþi electronice pe continentul nostru. Ambele sunt, în esenþã, proiecte sau intervenþii de tip macro, impuse de foarte de sus, politice, ºi nu neapãrat bazate pe cerinþe de business solicitate de piaþã. Istoria ne aratã cã progresul ºi inovaþia au avut la bazã ºi înclinaþia spre comoditate (sau lenea?), dorinþa omului de a-ºi simplifica viaþa ºi de a transfera tehnologiei ceea ce nu îi mai place sau ce nu poate sã facã. Aºa a fost de la începuturi, de ce am crede cã roata, de exemplu, a fost inventatã aºa, de plãcerea inovaþiei? (e adevatat cã „reinventarea” roþii e o plãcutã ocupaþie a multora dintre noi azi... ). Câþi strãmoºi de-ai noºtri ºi-or fi rupt spinãrile cãrând spre peºterile sau casele lor stânci, pietre, copaci, vânat? Pânã când, probabil cel mai leneº din trib sau gintã sau ce or fi avut ei acolo, sãtul de atâta transpiraþie (ºi pe vre- mea aia deodorantul era lucru rar...) ºi de coaste rupte ineficient, a inventat-o... Ce l-a Editor: Aleea Negru Vodã nr. 6, bl. C3, sc. 3 inspirat? Comoditatea... parter, 030775, sector 3, Bucureºti Dacã revenim la activitatea bancarã, prima casã de compensare a plãþilor din lume se pare Tel.: 021.321.61.23; Fax: 021.321.61.30; FIN [email protected] cã a fost înfiinþatã la Londra, prin 1773. Dar cum s-a ajuns la aºa ceva? A dat Parlamentul WATCH www.marketwatch.ro vreun decret? Vreun mare bancher a lansat un proiect inovator pentru vremea aceea? P.O. Box 4-124, 030775 Oricum, ideea nu a venit peste noapte, ea exista. Le venise de mai mult timp curierilor Director General FIN WATCH: bãncilor londoneze, nevoiþi sã goneascã zilnic, fiecare din ei pe la toate celelalte bãnci, Cãlin.Mãrcuº[email protected] pentru a încasa bilete de bancã, waranturi, ºi tot felul de înscrisuri. ªi cum în fiecare zi se PUBLISHER FIN WATCH: opreau cam toþi la acelaºi pub, ca sã se încãlzeascã la o cafea (sau la o bere, dupã caz), [email protected] probabil cã tot cel mai leneº (sau cel cãruia banca lui nu îi asigurase maºinã de serviciu, Colegiu redacþional: sau mã rog, cal de serviciu) a observat cã alergãrile lor zilnice ar putea fi raþionalizate dacã, Rodica.Tuchilã@arb.ro [email protected] cu ocazia cafelei, ar schimba ºi hârtiile respective, calculând diferenþa ce rãmânea de plãtit Cã[email protected] sau de încasat pentru fiecare, ceea ce numim azi poziþii nete multilaterale. Asta trebuie sã fi [email protected] fost prima casã de compensare. Nãscutã din comoditate. [email protected] Mult mai târziu, prin 1949, pe când se afla la o masã cu partenerii sãi, omul de afaceri Marcelina.Joavinã@microsoft.com newyorkez Frank Mc Namara, a constatat cu stupoare cã nu avea bani (numerar) pentru Rã[email protected] [email protected] a achita nota de platã. A trebuit sã îºi sune soþia care i-a adus banii în cele din urmã, [email protected] salvându-l de la o mare dezonoare... În orice caz, dl McNamara a fost foarte dezamagit de aceastã situaþie (mai mult ca sigur [email protected] cã ºi doamna McNamara, ca orice nevastã de om de afaceri, a avut cuvinte grele de spus [email protected] în privinþa deranjului la care fusese supusã...): „De ce oamenii trebuie sã îºi limiteze cheltu- Marketing: [email protected] ielile la numerarul pe care îl au la ei ºi sã nu fie capabili sã cheltuiascã atât cât îºi permit?” Publicitate: s-a întrebat el. Aºa a apãrut primul card care putea fi utilizat în mai multe locaþii, apoi Director: [email protected] reþeaua Diners Club, care avea un an mai târziu peste douã sute de mii de utilizatori. Alexandru.Pã[email protected] Din nou, din comoditate... Din aceste douã exemple, cu mintea deja la concediu, ne-am putea grãbi sã tragem o Desktop Publishing: Omni Press & Design, ([email protected]) concluzie greºitã: cã lucrurile importante apar din necesitate, ideile mari vin la (sau dupã) Foto: Septimiu ªlicaru ([email protected]) masã ºi de obicei nu le reglementeazã nimeni. Vacanþã plãcutã! Abonamente: [email protected] Distribuþie: [email protected] Elena Corneanu, Sorin Pârvu Tipar: Monitorul Oficial NOTÃ: Reproducerea integralã sau parþialã a articolelor SUMAR sau a imaginilor apãrute în revistã este permisã 4, 8-11 Zona unicã de plãþi în EURO - SEPA numai cu acordul scris al editurii. Fin Watch nu îºi asumã responsabilitatea pentru eventualele 6-7 Infrastructuri de plãþi modificãri ulterioare apariþiei revistei. 12, 13 Canale electronice de distribuþie Data închiderii ediþiei: 14-15 Sisteme de plãþi SWIFTNet 30 iunie 2009 16 Sisteme informatice bancare Fin Watch SRL este membru al Biroului Român pentru 18 Securitate bancarã Auditarea Tirajelor – BRAT. 19 Noi bãnci pentru o nouã economie 21, 22 Învãþãmânt bancar ZONA UNICà DE PLÃÞI ÎN EURO SEPA Directiva Serviciilor de Plãþi: transformarea CÃTÃLINA CHICU, ALPHA viziunii în realitate BANK ROMANIA, NEW PRODUCTS & PROCESSES DEVELOPMENT DESK Directivei Serviciilor de Plãþi cu urmã- OPERATIONS DIVISION toarele scopuri: înfiinþarea unei pieþe de În ce stadiu se aflã plãþi în UE cu un singur cadru legislativ; transpunerea Directivei? Pe 1 noiembrie 2009 va intra în vigoare Directiva crearea unui mediu egal pentru partici- Serviciilor de Plãþi 2007/64/EC. Transpunerea panþi ºi creºterea competiþiei; asigurarea Pânã acum doar Marea Britanie, Dane- Directivei va avea un efect revoluþionar asupra indus- protecþiei consumatorilor; consolidarea efi- marca ºi Bulgaria au finalizat transpunerea cienþei sistemelor de plãþi. Directivei în legislaþia naþionalã. Suedia a triei de plãþi Europene: diminuarea fragmentãrii anunþat oficial cã va depãºi cu 3-6 luni ter- naþionale ºi standardizarea utilizãrii instrumentelor Cui se adreseazã Directiva? menul limitã de transpunere. România planificã finalizarea transpunerii pânã în de platã ºi a regulilor pieþei unice. În iulie 2008 un Directiva se adreseazã prestatorilor ºi septembrie 2009. Directiva va avea un im- chestionar al Payment Systems Europe concluziona utilizatorilor de servicii de plãþi si se va apli- pact major asupra tuturor bãncilor din UE. ca plãþilor în Euro ºi în valutele naþionale Acestea vor trebui sã-ºi adapteze sistemele cã bãncile din UE vor cheltui cca. 6 mld. Euro ale þãrilor din UE, iniþiate ºi destinate din/în informatice ºi sã-ºi revizuiascã contractele, pentru implementarea Directivei. spaþiul UE. Islanda, Liechtenstein ºi Norve- procedurile ºi practicile privind serviciile gia au decis sã se alãture cerinþelor Direc- de plãþi. Statistica elaboratã de Payment Cum a apãrut ideea de creare tivei.
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