{"id":27490,"date":"2023-10-08T18:21:32","date_gmt":"2023-10-08T15:21:32","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=27490"},"modified":"2023-10-08T18:21:32","modified_gmt":"2023-10-08T15:21:32","slug":"nuo-rugsejo-14-d-atvirosios-bankininkystes-eros-pradzia","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lt\/news-cases\/nuo-rugsejo-14-d-atvirosios-bankininkystes-eros-pradzia\/","title":{"rendered":"Nuo rugs\u0117jo 14 d. &#8211;  atvirosios bankininkyst\u0117s eros prad\u017eia?"},"content":{"rendered":"<p class=\"intro\" style=\"text-align: justify;\"><strong>2019 met\u0173 rugs\u0117jo 14 d. daugumai paslaug\u0173 teik\u0117j\u0173 (PSP) kalendoriuje raudonai apibr\u0117\u017eta diena. \u0160i data \u017eymi paskutin\u012f ir galutin\u012f Antrosios mok\u0117jimo paslaug\u0173 direktyvos (PSD2) \u012fgyvendinimo termin\u0105. Nuo \u0161iol visi bankai, kredito unijos, elektronini\u0173 pinig\u0173 \u012fstaigos, tvarkan\u010dios s\u0105skaitas ir teikian\u010dios elektronines mok\u0117jimo paslaugas turi atverti savo sistemas tam, kad mok\u0117jimo inicijavimo ir s\u0105skaitos informavimo paslaugos teik\u0117jai, veikdami klient\u0173 vardu, gal\u0117t\u0173 surinkti klient\u0173 duomenis i\u0161 j\u0173 mok\u0117jimo s\u0105skait\u0173. \u0160i atviroji bankininkyst\u0117s id\u0117ja bus \u012fgyvendinama pagal\u00a0 reikalavimus, nustatytus Europos Komisijos deleguotojo reglamento norminiuose techniniuose standartuose (EBA-RTS).<\/strong><\/p>\n<p style=\"text-align: justify;\">Nors pati PSD2 apima daugyb\u0119 aspekt\u0173, susijusi\u0173 su elektronini\u0173 mok\u0117jim\u0173 rinka, \u012fsigaliojantys reikalavimai tiesiogiai susij\u0119 su EBA-RTS yra \u0161ie:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Mok\u0117jimo inicijavimo (PIS), s\u0105skaitos informavimo (AIS) ir l\u0117\u0161\u0173 pakankamumo patvirtinimo (PIIS) paslaug\u0173 \u012fgyvendinim\u0105 atvirojo ry\u0161io s\u0105sajomis ir prieig\u0105 realioms operacijoms;<\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li>Stipr\u0173 kliento autentifikavimo (SCA) taikym\u0105, siekiant apsaugoti elektronines operacijas.<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><strong>Kokie nauji reikalavimai bus taikomi paslaug\u0173 tiek\u0117jams?<\/strong><\/h3>\n<p style=\"text-align: justify;\">PSD2 nustato pareig\u0105 PIS ir AIS paslaug\u0173 teik\u0117jams kiekvieno ry\u0161i\u0173 seanso metu nurodyti savo tapatyb\u0119 s\u0105skait\u0105 tvarkan\u010diam mok\u0117jimo paslaug\u0173 teik\u0117jui ir tam tikslui naudoti parengtas atvirojo ry\u0161io s\u0105sajas. \u00a0Atvirojo ry\u0161io s\u0105sajos gali b\u016bti \u012fgyvendintos per atvirojo ry\u0161io technin\u0119 s\u0105saj\u0105, pagr\u012fst\u0105 <em>RESTful<\/em> architekt\u016bra ir atitinkan\u010di\u0105 EBA-RTS reikalavimus (API) arba per internetine bankininkyste pagr\u012fst\u0105 s\u0105saj\u0105. Kadangi API s\u0105sajos yra laikomos techni\u0161kai labiau pa\u017eengusiomis ir pritaikomomis, tik\u0117tina, b\u016btent API s\u0105sajos bus naudojamos da\u017eniau.<\/p>\n<p style=\"text-align: justify;\">Tiek tarptautiniu, tiek nacionaliniu lygmeniu rekomenduojama laikytis ypa\u010d auk\u0161t\u0173 reikalavim\u0173 API s\u0105saj\u0173 kokybei. Pavyzd\u017eiui, vos keli\u0173 minu\u010di\u0173 API veiklos pertr\u016bkis lemt\u0173 pareig\u0105 aktyvuoti atsargin\u0119 s\u0105saj\u0105. Visoje Europos S\u0105jungoje \u0161ios nuostatos tapo privalomos nuo 2019 met\u0173 rugs\u0117jo 14 d. Iki tol naudotas prisijungimas prie bendros s\u0105skait\u0105 tvarkan\u010dio asmens internetin\u0117s bankininkyst\u0117s mok\u0117tojo vardu be atskiro prisijungian\u010dio asmens patvirtinimo (ang. <em>screen scraping<\/em>) nebebus galimas.<\/p>\n<p style=\"text-align: justify;\">Taip pat PSD2 numatytais atvejais visi Europos S\u0105jungoje veikiantys mok\u0117jimo paslaug\u0173 teik\u0117jai prival\u0117s taikyti saugesn\u012f autenti\u0161kumo patvirtinim\u0105, taip kaip tai numatyta EBA-RTS. Taigi, \u012fsigalios vieningas standartas, pad\u0117siantis u\u017etikrinti saugesnius prisijungimus prie savo s\u0105skaitos ir internetu atliekamus mok\u0117jimus. Saugesnio autenti\u0161kumo patvirtinimas, atliekant mok\u0117jimus internetu, u\u017etikrins dinami\u0161k\u0105 kiekvienos mok\u0117jimo operacijos susiejim\u0105 su konkre\u010dia suma ir konkre\u010diu gav\u0117ju, personalizuot\u0173 saugumo duomen\u0173 konfidencialum\u0105, pad\u0117s identifikuoti atsitiktinius ar apgaulingus mok\u0117jimus, klientui neb\u016bdingus mok\u0117jimo operacij\u0173 veiksmus. Atitinkamai, mok\u0117jimo paslaugos teik\u0117jai prival\u0117s \u012fsidiegti technines priemones saugesnio autenti\u0161kumo patvirtinimo proced\u016brai taikyti.<\/p>\n<h3 style=\"text-align: justify;\"><strong>Su kokiais i\u0161\u0161\u016bkiais gali susidurti paslaug\u0173 tiek\u0117jai?<\/strong><\/h3>\n<p style=\"text-align: justify;\">\u012esigaliojus \u0161iems reikalavimams, praktika atskleisti savo vienkartinius prisijungimo duomenis PIS ir AIS paslaugos teik\u0117jui taps visi\u0161kai \u012fprasta. Vis d\u0117lto, atitinkamai kyla klausimai &#8211; kaip praktikoje bus sprend\u017eiami gin\u010dai \u0161i\u0173 duomen\u0173 atskleidimo, neautorizuot\u0173 mok\u0117jim\u0173 atlikimo ir kitais atvejais. PSD2 numato tik pagrindinius principus galimiems gin\u010dams tarp PIS ir AIS paslaugos teik\u0117jo ir s\u0105skait\u0105 tvarkan\u010dio mok\u0117jimo paslaug\u0173 teik\u0117jo spr\u0119sti. Nesant konkre\u010di\u0173 atsakomyb\u0117s nustatymo kriterij\u0173, gin\u010d\u0173 sprendimas gali u\u017esit\u0119sti, ypa\u010d jei toks gin\u010das vyks tarp skirtingose jurisdikcijose veikian\u010di\u0173 subjekt\u0173.<\/p>\n<p style=\"text-align: justify;\">Nepaisant to, kad \u0161ios naujov\u0117s nustato dideli\u0173 reikalavim\u0173 mok\u0117jimo paslaug\u0173 teik\u0117jams, tai galimyb\u0117 \u017eengti tikrosios atvirosios bankininkyst\u0117s link.<\/p>\n<p style=\"text-align: justify;\"><em>Advokat\u0173 kontoros \u201eCobalt\u201d advokat\u0117, vyresnioji teisinink\u0117 Justina Mila\u0161auskien\u0117<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2019 met\u0173 rugs\u0117jo 14 d. daugumai paslaug\u0173 teik\u0117j\u0173 (PSP) kalendoriuje raudonai apibr\u0117\u017eta diena. \u0160i data \u017eymi paskutin\u012f ir galutin\u012f Antrosios mok\u0117jimo paslaug\u0173 direktyvos (PSD2) \u012fgyvendinimo termin\u0105. Nuo \u0161iol visi bankai, kredito unijos, elektronini\u0173 pinig\u0173 \u012fstaigos, tvarkan\u010dios s\u0105skaitas ir teikian\u010dios elektronines..<\/p>\n","protected":false},"author":6,"featured_media":27491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"country":[92],"class_list":["post-27490","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt","country-lithuania-lt"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nuo rugs\u0117jo 14 d. - atvirosios bankininkyst\u0117s eros prad\u017eia? | COBALT<\/title>\n<meta name=\"description\" content=\"Nuo rugs\u0117jo 14 d. - atvirosios bankininkyst\u0117s eros prad\u017eia?. News. Naujienos. Jaunumi. 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