{"id":628,"date":"2022-11-14T19:52:46","date_gmt":"2022-11-14T22:52:46","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=628"},"modified":"2023-02-21T23:33:15","modified_gmt":"2023-02-22T02:33:15","slug":"bancos-criam-e-book-para-gerenciar-a-due-diligence-das-fintechs","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/bancos-criam-e-book-para-gerenciar-a-due-diligence-das-fintechs\/","title":{"rendered":"Banky vytv\u00e1raj\u00fa elektronick\u00fa knihu na riadenie due diligence vo fintech."},"content":{"rendered":"<p><span>Ke\u010f\u017ee \u010doraz viac finan\u010dn\u00fdch zdru\u017een\u00ed uzatv\u00e1ra partnerstv\u00e1 s fintech spolo\u010dnos\u0165ami a r\u00f4znymi prev\u00e1dzkovate\u013emi, konzorcium finan\u010dn\u00fdch zdru\u017een\u00ed sa sna\u017e\u00ed \u0161tandardizova\u0165 sp\u00f4sob, ak\u00fdm banky pl\u00e1nuj\u00fa due diligence tret\u00edch str\u00e1n.<\/span><\/p>\n<p><span>Iniciat\u00edva sa za\u010dala po tom, \u010do \u010dlensk\u00e9 banky aliancie Alloy Labs Alliance zistili, \u017ee in\u0161tit\u00facie uplat\u0148uj\u00fa regula\u010dn\u00e9 poradenstvo trochu alternat\u00edvnymi sp\u00f4sobmi, uviedol gener\u00e1lny riadite\u013e Alloy Labs Jason Henrichs.<\/span><\/p>\n<p><span>V d\u00f4sledku toho Alloy Labs Alliance a tucet \u010dlensk\u00fdch b\u00e1nk v konzorciu str\u00e1vili predch\u00e1dzaj\u00facich 12 mesiacov pr\u00e1cou na r\u00e1mci, ktor\u00fd d\u00fafaj\u00fa, \u017ee bude sl\u00fa\u017ei\u0165 ako elektronick\u00e1 kniha pre spolo\u010dnosti, ktor\u00e9 sa orientuj\u00fa v zlo\u017eitosti vz\u0165ahov medzi bankami a fintech spolo\u010dnos\u0165ami.&nbsp;<\/span><\/p>\n<p><span>Henrichs, ktor\u00fd sa podelil o zhrnutie vl\u00e1dnych usmernen\u00ed s Banking Dive, uviedol, \u017ee r\u00e1mec nem\u00e1 nahradi\u0165 s\u00fa\u010dasn\u00fa regula\u010dn\u00fa pomoc, ale sk\u00f4r pom\u00f4c\u0165 bank\u00e1m ju lep\u0161ie uplat\u0148ova\u0165.<\/span><\/p>\n<p><span>\u201cProbl\u00e9mom je zvy\u010dajne prenies\u0165 n\u00e1vrhy do praxe, napr\u00edklad: \u2018\u010co rob\u00edm ka\u017ed\u00fd de\u0148?',\u201d poznamenal. \u201cPreto sa banky m\u00f4\u017eu v\u010faka tej istej pomoci dosta\u0165 k ve\u013emi odli\u0161n\u00fdm sp\u00f4sobom, ako ju implementuj\u00fa. Predstavte si to ako implementa\u010dn\u00fa pr\u00edru\u010dku zalo\u017een\u00fa na pr\u00e1ve na legislat\u00edvu a inform\u00e1cie.\u201d<\/span><\/p>\n<p><span>Spolo\u010dnos\u0165 Alloy Labs a nieko\u013eko \u010dlensk\u00fdch b\u00e1nk vytvorili t\u00fato pr\u00edru\u010dku po usporiadan\u00ed pravideln\u00fdch mesa\u010dn\u00fdch online pracovn\u00fdch stretnut\u00ed s ved\u00facimi pracovn\u00edkmi z obchodn\u00fdch, prev\u00e1dzkov\u00fdch, pracovn\u00fdch a compliance oddelen\u00ed pribli\u017ene tucta in\u0161tit\u00faci\u00ed.<\/span><\/p>\n<p><span>Zamestnanci boli rozdelen\u00ed do \u00f4smich spolo\u010dnost\u00ed, pri\u010dom sa zabezpe\u010dili kateg\u00f3rie na z\u00e1klade kontinuity podnikania, hl\u00e1senia incidentov, prev\u00e1dzkovej odolnosti a hodnotenia subdod\u00e1vate\u013eov, uviedla spolo\u010dnos\u0165 Alloy Labs.<\/span><\/p>\n<p><span>Bank\u00e1ri si vymie\u0148ali svoje talenty a diskutovali o naj\u017eiadanej\u0161\u00edch postupoch na stretnutiach, ktor\u00e9 viedla \u00fa\u010dtovn\u00edcka, konzulta\u010dn\u00e1 a technologick\u00e1 firma Crowe.<\/span><\/p>\n<p><span>Korpor\u00e1cie vypracovali zoznam siedmich k\u013e\u00fa\u010dov\u00fdch ot\u00e1zok, ktor\u00fdmi by sa banky mali zaobera\u0165 v snahe ur\u010di\u0165 aktu\u00e1lnu pravdepodobnos\u0165, \u017ee dan\u00fd vz\u0165ah dosiahne svoje tretie v\u00fdro\u010die.<\/span><\/p>\n<p><span>Ot\u00e1zky pozost\u00e1vaj\u00fa z: \u201cAko tento partner dop\u013a\u0148a alebo vylep\u0161uje na\u0161u met\u00f3du a je v s\u00falade s na\u0161\u00edm \u017eivotn\u00fdm \u0161t\u00fdlom?\u201d, \u201cAk\u00fa kateg\u00f3riu interakcie so z\u00e1kazn\u00edkmi alebo informa\u010dnej reklamy tento partner pon\u00faka?\u201d a \u201cAk\u00e9 monitorovanie a reportovanie s\u00fa nevyhnutn\u00e9 pre priebe\u017en\u00e9 hodnotenie prepojenia?\u201d<\/span><\/p>\n<p><span>Spolo\u010dnos\u0165 Alloy Labs uviedla, \u017ee tieto ot\u00e1zky boli pou\u017eit\u00e9 na zlep\u0161enie konsenzu o o\u010dak\u00e1vanej \u00farovni zrelosti fintech partnerstva.&nbsp;<\/span><\/p>\n<p><span>Na z\u00e1klade pos\u00fadenej \u00farovne zrelosti sa organiz\u00e1cie spoliehaj\u00fa na o\u010dak\u00e1vania t\u00fdkaj\u00face sa n\u00e1le\u017eitej starostlivosti, \u017eiadosti, priebe\u017en\u00e9 monitorovanie a sp\u00fa\u0161\u0165anie aktiv\u00edt pre \u010fal\u0161iu n\u00e1le\u017eit\u00fa starostlivos\u0165, ktor\u00e9 konzorcium pl\u00e1nuje spr\u00edstupni\u0165 v nasleduj\u00facich usmerneniach do roku 2023.<\/span><\/p>\n<p><span>\u201cTu je iniciat\u00edva veden\u00e1 bankami,\u201d poznamenal Henrichs. \u201cPre\u010do to rob\u00edme teraz? Preto\u017ee n\u00e1m to banky povedali.\u201d&nbsp;<\/span><\/p>\n<p><span>Ke\u010f\u017ee partnerstv\u00e1 medzi finan\u010dn\u00fdmi in\u0161tit\u00faciami a fintech spolo\u010dnos\u0165ami sa v tomto sektore st\u00e1vaj\u00fa \u010doraz popul\u00e1rnej\u0161\u00edmi, Spojen\u00e9 \u0161t\u00e1ty americk\u00e9 pri\u0165ahuj\u00fa \u010doraz v\u00e4\u010d\u0161iu pozornos\u0165 regula\u010dn\u00fdch org\u00e1nov.&nbsp;<\/span><\/p>\n<p><span>Michael Hsu, ved\u00faci \u00daradu pre kontrolu dev\u00edz (OCC), hovoril v septembri o na\u0161ich partnerstv\u00e1ch medzi bankami a fintech spolo\u010dnos\u0165ami a uviedol, \u017ee toto prepojenie by mohlo vystavi\u0165 finan\u010dn\u00fd syst\u00e9m riziku katastrofy, ak by nebol kompetentne kontrolovan\u00fd.<\/span><\/p>\n<p><span>Banky s v\u00e4\u010d\u0161ou kapacitou \u00fastredn\u00fdch bodov musia zabezpe\u010di\u0165, aby ich fintech transakcie boli d\u00f4kladne kontrolovan\u00e9 \u2013 nielen pre hrdos\u0165 regula\u010dn\u00fdch org\u00e1nov, ale aj pre zachovanie konkurencieschopnosti.<\/span><\/p>\n<p><span>Fintech spolo\u010dnosti na trhu s vstavan\u00fdmi bankov\u00fdmi funkciami sa m\u00f4\u017eu sta\u0165 selekt\u00edvnej\u0161\u00edmi, ke\u010f\u017ee regula\u010dn\u00e9 org\u00e1ny spr\u00eds\u0148uj\u00fa doh\u013ead, informoval minul\u00fd mesiac pre Banking Dive Jonah Crane, partner v spolo\u010dnosti Klaros, ktor\u00e1 sa zaober\u00e1 komunitn\u00fdm poradenstvom a invest\u00edciami do finan\u010dn\u00fdch zdrojov.<\/span><\/p>\n<p><span>\u201cM\u00f4\u017eu tie\u017e uprednost\u0148ova\u0165 odolnos\u0165 a stabilitu a banku, ktor\u00e1 sa v priebehu \u010dasu venuje dosiahnutiu spr\u00e1vneho s\u00faladu s predpismi, zatia\u013e \u010do v minulosti sa r\u00fdchlos\u0165 uvedenia na trh stala hlavn\u00fdm faktorom pre fintech spolo\u010dnosti, ktor\u00e9 sa sna\u017eili n\u00e1js\u0165 bankov\u00fdch partnerov,\u201d povedal Crane.<\/span><\/p>\n<p><span>Pom\u00e1ha\u0165 bank\u00e1m \u2013 najm\u00e4 skupinov\u00fdm a stredne ve\u013ek\u00fdm in\u0161tit\u00faci\u00e1m \u2013 zosta\u0165 agres\u00edvnymi je pre Alloy Labs cennou misiou.<\/span><\/p>\n<p><span>Konzorcium, ktor\u00e9 bolo spusten\u00e9 v roku 2018, sa sna\u017eilo vyu\u017ei\u0165 spolupr\u00e1cu a kolekt\u00edvne zru\u010dnosti svojich \u010dlensk\u00fdch zdru\u017een\u00ed, aby im pomohlo konkurova\u0165 jednej z najv\u00e4\u010d\u0161\u00edch a najd\u00f4le\u017eitej\u0161\u00edch b\u00e1nk v krajine.<\/span><\/p>\n<p><span>Konzorcium v okt\u00f3bri vydalo elektronick\u00fa knihu zameran\u00fa na definovanie rol\u00ed a \u00faloh v partnerstv\u00e1ch bankovn\u00edctva ako poskytovate\u013ea (BaaS). Pod\u013ea American Banker \u010dlenovia konzorcia predstavuj\u00fa pribli\u017ene 30% trhov\u00e9ho podielu b\u00e1nk pon\u00fakaj\u00facich BaaS.&nbsp;<\/span><\/p>\n<p><span>Spolo\u010dnos\u0165 Alloy Labs tie\u017e minul\u00fd rok spustila svoju peer-to-peer (P2P) sie\u0165 osobn\u00fdch platieb s n\u00e1zvom CHUCK. Platformu spravuje v spolupr\u00e1ci so spolo\u010dnos\u0165ou digit\u00e1lnych platieb Payrailz.<\/span><\/p>\n<p><span>CHUCK bol identifikovan\u00fd ako konkurent siete Zelle, ktor\u00fa vlastn\u00ed a prev\u00e1dzkuje spolo\u010dnos\u0165 Early Warning Services (EWS) \u2013 spolo\u010dnos\u0165, ktor\u00fa zase vlastn\u00ed nieko\u013eko najv\u00e4\u010d\u0161\u00edch b\u00e1nk v krajine vr\u00e1tane JPMorgan Chase, Wells Fargo a U.S. Bank.<\/span><\/p>\n<p><span>\u201cSatiricky povedan\u00e9, najv\u00e4\u010d\u0161ie banky odviedli lep\u0161iu kolekt\u00edvnu pr\u00e1cu,\u201d povedal Henrichs, ktor\u00fd ako pr\u00edklady \u00faspe\u0161nej spolupr\u00e1ce medzi viacer\u00fdmi bankami iniciovanej najv\u00e4\u010d\u0161\u00edmi in\u0161tit\u00faciami v krajine pouk\u00e1zal na vytvorenie konzorcia The Clearing a Zelle.<\/span><\/p>\n<p><span>Pod\u013ea Henrichsa v\u0161ak banky v miestnych bank\u00e1ch prech\u00e1dzaj\u00fa zmenou myslenia a snahy, ako je iniciat\u00edva na \u0161tandardiz\u00e1ciu najspo\u013eahlivej\u0161\u00edch postupov pre due diligence tret\u00edch str\u00e1n, ukazuj\u00fa, ako men\u0161ie spolo\u010dnosti \u201cu\u017e nie s\u00fa mimo hry, pokia\u013e ide o inov\u00e1cie\u201d.&nbsp;<\/span><\/p>\n<p><span>\u201cMo\u017eno nanovo objavuj\u00fa kapacity danej finan\u010dnej in\u0161tit\u00facie,\u201d uviedol. \u201cD\u00f4kladn\u00e1 starostlivos\u0165 k tretiemu v\u00fdro\u010diu sa m\u00f4\u017ee zda\u0165 v\u0161edn\u00e1, ale ur\u010dite je to ve\u013emi d\u00f4le\u017eit\u00fd krok, preto\u017ee ak nebud\u00fa tak\u00e9to veci opravova\u0165, nebud\u00fa ma\u0165 mo\u017enos\u0165 robi\u0165 z\u00e1bavnej\u0161ie a n\u00e1paditej\u0161ie veci.\u201d<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>\u00c0 medida que uma variedade crescente de associa\u00e7\u00f5es monet\u00e1rias entra em parcerias com fintechs e diferentes operadoras, um cons\u00f3rcio de associa\u00e7\u00f5es financeiras est\u00e1 se esfor\u00e7ando para padronizar a forma como os bancos planejam a due diligence de terceira celebra\u00e7\u00e3o. A iniciativa come\u00e7ou depois que os bancos membros da Alloy Labs Alliance observaram que os estabelecimentos [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":991,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-628","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=628"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/628\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media\/991"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=628"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}