the Pilot project, according to the newspaper RBC, intends to develop the Association of “FINTECH” (AFL), which was founded in the end of 2016 at the initiative of the Central Bank. According to the Director of aft Tatiana Zharkova, the service will not require additional confirmation of transfer from the client. Consent to the transactions the customer gives only one time.
This mechanism may be another project of the Central Bank, which allows to perform calculations directly between banks without the involvement of payment systems and other companies. This is important because there is a cheaper translation. Payment through the System of quick payments directly from your Bank account to your account implemented by the controller since the middle of last year.
the New project, according to Zharkova, still under development. The timing of its launch will be determined at the end of August. The AFL has sent out invitations to banks for participation in the pilot project. Interested in VTB, OTKRITIE, Promsvyazbank, QIWI, SKB-Bank, Sovcombank and “Absolut Bank”. The savings Bank has refused comment.
Technology can be applied in the payment of various services. The most popular may be charged automatically for services utility services, communications, travel and transport. “Absolut Bank” plans to use technology to repay loans, “Discovery” – to create payments based on payment requirements for small and medium-sized businesses. Also use the service to make purchases in online stores.
it is Now commonly used by individual banks in their online channels. But to work with them, the recipient and the payer must be customers of one Bank, and due to the lack of a convenient interface for managing subscriptions, the client may not timely opt out of certain payments and transfer money for services that have not enjoyed. Also, now the customer can provide the details of your Bank card to a recipient of funds for their withdrawal. Payments are made using the infrastructure of the payment system “World”, Visa, Mastercard. But the recipients have to pay the Commission, which is 1.8-2%.
if you run an interbank platform for the initiation of payments is a possibility of direct interaction between providers and consumers of services who will only pay for standard Bank fees, which should lead to lower costs for all participants.
