{"id":567,"date":"2016-09-22T08:45:42","date_gmt":"2016-09-22T06:45:42","guid":{"rendered":"http:\/\/dev.m-q.ch\/?p=567"},"modified":"2016-12-12T08:46:21","modified_gmt":"2016-12-12T07:46:21","slug":"nouvelle-directive-sur-les-services-de-paiement","status":"publish","type":"post","link":"https:\/\/www.m-q.ch\/fr\/neue-zahlungsdienste-richtlinie\/","title":{"rendered":"Nouvelle directive sur les services de paiement"},"content":{"rendered":"

\"\"<\/a><\/p>\n

La directive sur les services de paiement 2 (DSP2 ou DSP II) fait r\u00e9f\u00e9rence \u00e0 la directive r\u00e9vis\u00e9e dans sa deuxi\u00e8me \u00e9dition \u00e9largie - elle d\u00e9finit en outre l'ouverture du march\u00e9 pour les prestataires tiers (TPP) dans le trafic des paiements.<\/p>\n

La PSD2 envisage d'ouvrir les op\u00e9rations de paiement dans l'espace de l'UE aux non-banques (c'est-\u00e0-dire aux tiers) afin de promouvoir l'innovation et la concurrence. Dans le m\u00eame temps, la protection des consommateurs doit \u00eatre renforc\u00e9e. Derri\u00e8re la nouvelle directive se cache \u00e9galement l'intention d\u00e9clar\u00e9e de r\u00e9duire globalement les co\u00fbts du trafic des paiements et d'accro\u00eetre la s\u00e9curit\u00e9 gr\u00e2ce \u00e0 de nouveaux fournisseurs, de nouvelles solutions et une concurrence accrue.<\/p>\n

Effets du DSP2<\/strong><\/p>\n

La PSD2 cr\u00e9e ainsi de nouvelles r\u00e8gles du jeu dans le trafic des paiements avec des effets pour tous les participants : pour le march\u00e9, pour les consommateurs et surtout pour les banques. Ces derniers sont tenus de cr\u00e9er des acc\u00e8s ou des interfaces pour des tiers via des API (Application Programming Interfaces) (XS2A) afin qu'ils puissent participer aux op\u00e9rations de paiement des banques.<\/p>\n

Plus pr\u00e9cis\u00e9ment, les tiers b\u00e9n\u00e9ficieront d'un \"acc\u00e8s non discriminatoire\" aux comptes des clients (acc\u00e8s au compte) avec les fonctions de base \"initiation des paiements\" et \"r\u00e9cup\u00e9ration des informations sur les comptes\". Les th\u00e8mes de la s\u00e9curit\u00e9 et de la responsabilit\u00e9 sont donc \u00e9galement en cours de discussion.<\/p>\n

La directive r\u00e9vis\u00e9e sur les services de paiement PSD2 a \u00e9t\u00e9 formellement approuv\u00e9e et adopt\u00e9e par le Parlement europ\u00e9en en octobre 2015. Les \u00c9tats membres de l'UE sont tenus d'adapter leur l\u00e9gislation nationale aux nouvelles lignes directrices. Plus pr\u00e9cis\u00e9ment, la nouvelle directive doit \u00eatre mise en \u0153uvre dans un d\u00e9lai de deux ans et appliqu\u00e9e \u00e0 partir du 13 janvier 2018.<\/p>\n

Opportunit\u00e9s et risques du DSP2<\/strong><\/p>\n

L'approche passive de la DSP2 : La nouvelle directive peut \u00eatre mise en \u0153uvre par les banques et limit\u00e9e au minimum sp\u00e9cifi\u00e9. Dans ce cas, les TTP (Third Party Providers) ayant des services existants ou nouveaux dans le trafic des paiements y ont acc\u00e8s et la banque est contrainte de partager des fonctions et des donn\u00e9es qui \u00e9taient auparavant g\u00e9r\u00e9es exclusivement avec des fournisseurs tiers.<\/p>\n

Des sc\u00e9narios actifs \u00e0 l'autre bout de l'\u00e9chelle : La banque agit de mani\u00e8re offensive, voire s'ouvre davantage, en d\u00e9veloppant de nouveaux services et des fonctions intelligentes afin d'inspirer et de fid\u00e9liser les clients gr\u00e2ce \u00e0 des avantages suppl\u00e9mentaires concrets. De cette mani\u00e8re, elle anticipe les services et ne laisse pas le domaine des services compl\u00e9mentaires aux seuls prestataires tiers.<\/p>\n

Les PTT ne sont donc pas seulement des \"intrus\" externes, mais aussi des partenaires de coop\u00e9ration possibles. Pour les banques innovantes, l'API banking offre de nouveaux terrains de jeu plus vastes - avec toutes les possibilit\u00e9s d'occuper avec succ\u00e8s un terrain et de se distinguer en outre sur le march\u00e9 en tant que prestataire de services convivial.<\/p>\n

D'autres textes sur ces directives concernant le trafic des paiements en Suisse sont disponibles \u00e0 l'adresse suivante www.iso-20022.ch<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Die Payment Services Directive 2 (PSD2 oder PSD II) bezeichnet die revidierte Richtlinie in zweiter und erweiterter Auflage \u2013 sie definiert zus\u00e4tzlich die Markt\u00f6ffnung f\u00fcr Drittanbieter (TPP) im Zahlungsverkehr. PSD2 sieht im EU-Raum vor, den Zahlungsverkehr auch f\u00fcr Nicht-Banken (also Drittparteien) zu \u00f6ffnen, um Innovationen und den Wettbewerb zu f\u00f6rdern. Gleichzeitig soll der Verbraucherschutz erh\u00f6ht […]<\/p>\n","protected":false},"author":1,"featured_media":189,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[3356],"class_list":["post-567","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-unkategorisiert","tag-normenstandards"],"acf":[],"yoast_head":"\nNeue Zahlungsdienste-Richtlinie - MQ Management und Qualit\u00e4t<\/title>\n<meta name=\"description\" content=\"PSD (Payment Services Directive) ist die Zahlungsdienste-Richtlinie, welche 2009 den einheitlichen rechtlichen Rahmen f\u00fcr Euro-Zahlungen innerhalb der EU und damit auch f\u00fcr SEPA in Europa geschaffen hat. 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