2.2 ASPSPs Members: Difference between revisions

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'''Actors and definitions'''
'''Actors and definitions'''


PSD2 builds on the foundations laid down by the first directive to open the market for
CBI Globe - Global Open Banking Ecosystem presents itself internationally as a '''concrete collaborative project between banks''' for the adaptation to the PSD2. The platform will allow each member to offer innovative, safe and easy-to-use solutions for the benefit of final customers. Precisely because of these characteristics and because of the considerable advantages presented, the response that the banking world is giving to CBI Globe is extremely positive.
payments to '''new operators''', and to realise the principle that is fundamental for real
competition between operators: to establish ‘'''the same rules for the same services'''’
regardless of the nature of the subject - be it incumbent or newcomer - that offers them. In
this way, PSD2 seeks to encourage the development of new forms of innovation and,
therefore, competition, at the level of digital payments, with the prospect of offering more
choices to end consumers.


Thanks to PSD2, '''users of an online payment account''', for example, '''will have the
opportunity to make payments or to obtain information on their account through the
Below is the continuously updated list of the Account Servicing Payment Service Providers (ASPSP) and the Service Centers that have already joined:
use of applications made by third-party providers''' (TPPs), who will have the right, based
on proper consent from the user, to access the systems of banks (formally, account servicing
payment service providers — ASPSPs) in ‘open’ mode. To allow this access in an open and
secure way, the ASPSPs will also be required to implement the open technical interfaces
necessary for dialogue with the TPPs and the management of the payment initiators (so-called
payment initiation services) and account information aggregators (so-called account
information services) carried out by users through these TPPs.: An open banking ecosystem to
survive PSD2


This will subsequently make it possible to improve the customer experience by leveraging new
<div>
services and new offers.
  <table style="margin:auto;">
 
    <tr><td style="background-color:#9b005a;color:white;padding-left:5px">ENDPOINT ADERENTI</td><td style="background-color:#9b005a;color:white;padding-right:5px">CODICE ABI</td></tr>
Following the actors expected and the related acronyms used in the document: <br>
    <tr style="line-height:25px"><td>Banca 5 S.p.a.</td><td style="text-align:center;">3385</td></tr>
 
    <tr style="line-height:25px"><td></td><td></td></tr>
<ul>
    <tr style="line-height:25px"><td>Banca Carige  S.p.a.</td><td style="text-align:center;">3431</td></tr>
  <li>'''PSU''' - Payment Services User <br>
    <tr style="line-height:25px"><td>Banca Monte dei Paschi di Siena S.p.A.</td><td style="text-align:center;">1030</td></tr>
He is the subject using all the payment services defined and provided by the PSD2 ecosystem.</li>
    <tr style="line-height:25px"><td>Banca Nazionale del Lavoro S.p.a.</td><td style="text-align:center;">1005</td></tr>
  <li>'''PISP''' - Payment Initiation Service Provider <br>
    <tr style="line-height:25px"><td>Banca Passadore & C. S.p.A.</td><td style="text-align:center;">3332</td></tr>
This entity provides the PSU with the service to set up payment transactions; the related services
    <tr style="line-height:25px"><td>Banca Popolare di Sondrio S.C.p.A.</td><td style="text-align:center;">5696</td></tr>
supplied can be identified as PIS (Payment Initiation Service).<br></li>
    <tr style="line-height:25px"><td>Banco BPM S.p.a.</td><td style="text-align:center;">5034</td></tr>
  <li>'''PIISP''' - Payment Instrument Issuing Service Provider (also known as CISP – Card Issuing Service
    <tr style="line-height:25px"><td>Bper Banca S.p.a.</td><td style="text-align:center;">5387</td></tr>
Provider).<br>
    <tr style="line-height:25px"><td>Crèdit Agricole Italia S.p.a.</td><td style="text-align:center;">6230</td></tr>
This entity provides information about the funds availability on PSD2 payment transactions based on
    <tr style="line-height:25px"><td>Credito Emiliano S.p.a.</td><td style="text-align:center;">3032</td></tr>
the payment cards. The related services supplied can be identified as FCS (Confirmation on the
    <tr style="line-height:25px"><td>Credito Valtellinese S.p.a.</td><td style="text-align:center;">5216</td></tr>
Availability of Funds Service).<br></li>
    <tr style="line-height:25px"><td>Fiditalia S.p.a.</td><td style="text-align:center;">19365</td></tr>
<li>'''AISP''' - Account Information Service Provider <br>
    <tr style="line-height:25px"><td>Findomestic Banca S.p.a.</td><td style="text-align:center;">3115</td></tr>
This entity offers information services about the payment accounts. The related services can be
    <tr style="line-height:25px"><td>Iccrea Banca S.p.a.</td><td style="text-align:center;">8000</td></tr>
identified as AIS (Account Information Service).<br></li>
    <tr style="line-height:25px"><td>Intesa Sanpaolo S.p.A.</td><td style="text-align:center;">3069</td></tr>
<li>'''ASPSP''' - Account Servicing Payment Service Provider <br>
    <tr style="line-height:25px"><td>Nexi Payments S.p.A.</td><td style="text-align:center;">32875</td></tr>
This is the entity where the payment accounts resides. It receives payment requests, receive
    <tr style="line-height:25px"><td>Phoenix  Informatica Bancaria S.p.A.</td><td style="text-align:center;"> - </td></tr>
payments, provides information on managed payment accounts.<br></li>
    <tr style="line-height:25px"><td>Poste Italiane S.p.A.</td><td style="text-align:center;">7601</td></tr>
<li>'''TPP''' - Third Party Provider <br>
    <tr style="line-height:25px"><td>SEC Servizi S.C.p.A.</td><td style="text-align:center;"> - </td></tr>
A general definition of the provided services inside the PSD2 on behalf of a PSU. A TPP may have
    <tr style="line-height:25px"><td>UBI Banca S.p.a.</td><td style="text-align:center;">3111</td></tr>
one or more of the PISP, AISP, PIISP roles and it is able to communicate with the involved ASPSPs
  </table>
through the interfaces defined by the PSD2 Gateway.</li>
</ul>
 
<div class="centra-immagini">
[[File:actor.jpg|100%|Actor]]
</div>
In particular, the PSD2 governs other activities of PSPs in the European market of payment services by introducing three service models, under which new players can build the services they offer.
 
<div class="centra-immagini-auto">
[[File:actor2.jpg|100%|PAYMENT INITIATION SERVICE(PIS)]]
</div>
<ul>
  <li>ASPSP are obliged to '''receive and manage payment orders''' initiated by its customers through PISP that are qualified to operate in the European Union</li>
  <li>PISPs can offer to customers of the ASPSPs '''initialisation services for payment orders''' directed to all ASPSPs in which they have payment accounts</li>
  <li>PISPs are authorised exclusively to operate the new payment service and never to
enter into possession of the funds of the debtor</li>
</ul>
<div class="centra-immagini-auto">
[[File:actor3.jpg|100%|PAYMENT INITIATION SERVICE(PIS)]]
</div>
<ul>
  <li>ASPSPs are obliged to '''provide payment account information upon request''' of their customers that are users of those AISPs authorised to work in the European Union</li>
  <li>AISPs can offer customers of ASPSPs '''information aggregation services on payment accounts''' that are held by the ASPSPs</li>
  <li>AISPs cannot use customer data or access the payment accounts for purposes other than those provided by the service authorised by the customer</li>
</ul>
 
'''PISP AND AISP OBLIGATIONS'''
 
<ul>
  <li>'''PISPs and AISPs''' must obtain '''authorisation''' to operate in relation to payment services with the Competent authority (in Italy, the Banca d'Italia), demonstrating that they meet the necessary requirements</li>
  <li>Both must have a '''professional liability insurance''', or other similar guarantee fund, capable of covering liabilities which may incur in carrying out their activities. '''PISPs''' must also have a share capital of no less than € 50,000 (Art. 7)</li>
  <li>Both must be '''registered''' in the public register established by the Member State (presumably, therefore, the one held by Bankit) and in the register of the European Banking Authority (EBA)</li>
</ul>
<div class="centra-immagini">
[[File:actor4.jpg|100%|PAYMENT INITIATION SERVICE(PIS)]]
</div>
</div>
<ul>
  <li>CISPs can '''make a request to the ASPS'''P of the user for the availability of funds before the execution of the card-based payment</li>
  <li>The request can take place '''only if the account of the debtor is accessible online and if he had previously issued the consent''' to the ASPSP – Account Servicing Payment Service Provider – and to the CISP</li>
  <li>The answer '''can only be positive or negative''' and the CISP will never be aware of the extract of the balance, or memorise the response or use it for any purpose other than the execution of the card-based payment transaction</li>
</ul>


The PSD2 is a potential forge for creating innovative transactional products and services that will be increasingly in line with the digitisation and evolution of customers. In this sense, the market evolution will be considerable, and to date not entirely conceivable, also thanks to the expansion of the Fintech scenario.


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Revision as of 18:23, 5 June 2019

Actors and definitions

CBI Globe - Global Open Banking Ecosystem presents itself internationally as a concrete collaborative project between banks for the adaptation to the PSD2. The platform will allow each member to offer innovative, safe and easy-to-use solutions for the benefit of final customers. Precisely because of these characteristics and because of the considerable advantages presented, the response that the banking world is giving to CBI Globe is extremely positive.


Below is the continuously updated list of the Account Servicing Payment Service Providers (ASPSP) and the Service Centers that have already joined:

ENDPOINT ADERENTICODICE ABI
Banca 5 S.p.a.3385
Banca Carige S.p.a.3431
Banca Monte dei Paschi di Siena S.p.A.1030
Banca Nazionale del Lavoro S.p.a.1005
Banca Passadore & C. S.p.A.3332
Banca Popolare di Sondrio S.C.p.A.5696
Banco BPM S.p.a.5034
Bper Banca S.p.a.5387
Crèdit Agricole Italia S.p.a.6230
Credito Emiliano S.p.a.3032
Credito Valtellinese S.p.a.5216
Fiditalia S.p.a.19365
Findomestic Banca S.p.a.3115
Iccrea Banca S.p.a.8000
Intesa Sanpaolo S.p.A.3069
Nexi Payments S.p.A.32875
Phoenix  Informatica Bancaria S.p.A. -
Poste Italiane S.p.A.7601
SEC Servizi S.C.p.A. -
UBI Banca S.p.a.3111


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