PSD2

PRIMJENA PSD2 I RTS-A

Direktiva o platnim uslugama (PSD2) stupila je na snagu početkom 2018. i prenesena je u hrvatsko zakonodavstvo Zakonom o platnom prometu u srpnju 2018. godine. Jedna od značajki PSD2 jest tzv. "otvaranje banaka", odnosno omogućavanje pružateljima novih platnih usluga – trećim stranama (engl. Third Party Providers – TPP) da pristupe računima klijenata otvorenima u bankama. Nove platne usluge su usluga iniciranje plaćanja i usluga pristupanje informacijama o računu.  

Delegiranom Uredbom Komisije (EU) 2018/389 usvojeni su  Regulatorni tehnički standardi  za pouzdanu identifikaciju klijenta i zajedničke i sigurne otvorene standarde komunikacije  (skraćeno RTS uredba) i  primjenjuju se u državama članicama od 14. rujna 2019. Uredbom RTS definiraju se, između ostaloga, standardi za sigurnu komunikaciju između pružatelja platnih usluga.

Kako bi se nove usluge provodile u sigurnom okruženju, Croatia banka d.d. je  uspostavila sigurne otvorene standarde komunikacije u skladu s Uredbom RTS.

Croatia banka d.d. je omogućila korištenje modificiranog korisničkog sučelja internetskog bankarstva od strane TPP-a koji imaju valjanu licencu izdanu od nadležnog nacionalnog tijela.

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The Payment Services Directive (PSD2) came into effect in early 2018 and was transposed into the Croatian legislation by the Payment System Act in July 2018. PSD2 contains provisions on open banking, i.e., on enabling new payment service providers – third party providers (TTP) to access clients’ accounts opened at banks. New payment services are Payment initiation service and Account information service.

Commission Delegated Regulation (EU) 2018/389 had adopted Regulatory technical standards for strong customer authentication and common and secure open standards of communication (the RTS Regulation) and have been applied in Member States since 14 September 2019. The RTS Regulation defines, inter alia, secure standards of communication between payment service providers.

In order for new services to be provided in a safe environment, Croatia banka d.d  had established secure open standards for communication in accordance with the RTS Regulation.

Croatia banka d.d.  offers access to modified client interface of Internet banking by TPPs having the valid license issued by competent national authorities.

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