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 and Fintech''' 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. Indeed, around 300 banks have already joined the platform, representing '''80% of the Italian banking industry'''.
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
Below there is the continuously uptaded '''list of the endpoints''' gathering all the Account Servicing Payment Service Providers (ASPSP) members. Inside the [https://cbiglobeopenbankingapiportal.nexi.it/en/login API Portal], which can be accessed only after registering and uploading an eIDAS Certificate - valid for production or test - there is the complete list of ASPSPs that have joined CBI Globe.
opportunity to make payments or to obtain information on their account through the
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
services and new offers.


Following the actors expected and the related acronyms used in the document: <br>
<div>
 
  <table style="margin:auto">
<ul>
    <tr style="background-color:#9b005a;color:white;"><td style="padding-left:5px;">ENDPOINT MEMBERS</td><td style="padding-right:5px;">ABI CODE</td></tr>
  <li>'''PSU''' - Payment Services User <br>
    <tr style="height:10px"><td> </td><td> </td></tr>
He is the subject using all the payment services defined and provided by the PSD2 ecosystem.</li>
    <tr style="height:25px"><td>Banca 5 S.p.a.</td><td style="text-align:right;">3385</td></tr>
  <li>'''PISP''' - Payment Initiation Service Provider <br>
    <tr style="height:25px"><td>Banca Carige  S.p.a.</td><td style="text-align:right;">3431</td></tr>
This entity provides the PSU with the service to set up payment transactions; the related services
    <tr style="height:25px"><td>Banca Monte dei Paschi di Siena S.p.A.</td><td style="text-align:right;">1030</td></tr>
supplied can be identified as PIS (Payment Initiation Service).<br></li>
    <tr style="height:25px"><td>Banca Nazionale del Lavoro S.p.a.</td><td style="text-align:right;">1005</td></tr>
  <li>'''PIISP''' - Payment Instrument Issuing Service Provider (also known as CISP – Card Issuing Service
    <tr style="height:25px"><td>Banca Passadore & C. S.p.A.</td><td style="text-align:right;">3332</td></tr>
Provider).<br>
    <tr style="height:25px"><td>Banca Popolare di Sondrio S.C.p.A.</td><td style="text-align:right;">5696</td></tr>
This entity provides information about the funds availability on PSD2 payment transactions based on
    <tr style="height:25px"><td>Banco BPM S.p.a.</td><td style="text-align:right;">5034</td></tr>
the payment cards. The related services supplied can be identified as FCS (Confirmation on the
    <tr style="height:25px"><td>Bper Banca S.p.a.</td><td style="text-align:right;">5387</td></tr>
Availability of Funds Service).<br></li>
    <tr style="height:25px"><td>Crèdit Agricole Italia S.p.a.</td><td style="text-align:right;">6230</td></tr>
<li>'''AISP''' - Account Information Service Provider <br>
    <tr style="height:25px"><td>Credito Emiliano S.p.a.</td><td style="text-align:right;">3032</td></tr>
This entity offers information services about the payment accounts. The related services can be
    <tr style="height:25px"><td>Credito Valtellinese S.p.a.</td><td style="text-align:right;">5216</td></tr>
identified as AIS (Account Information Service).<br></li>
    <tr style="height:25px"><td>Fiditalia S.p.a.</td><td style="text-align:right;">19365</td></tr>
<li>'''ASPSP''' - Account Servicing Payment Service Provider <br>
    <tr style="height:25px"><td>Findomestic Banca S.p.a.</td><td style="text-align:right;">3115</td></tr>
This is the entity where the payment accounts resides. It receives payment requests, receive
    <tr style="height:25px"><td>Iccrea Banca S.p.a.</td><td style="text-align:right;">8000</td></tr>
payments, provides information on managed payment accounts.<br></li>
    <tr style="height:25px"><td>Intesa Sanpaolo S.p.A.</td><td style="text-align:right;">3069</td></tr>
<li>'''TPP''' - Third Party Provider <br>
    <tr style="height:25px"><td>Nexi Payments S.p.A.</td><td style="text-align:right;">32875</td></tr>
A general definition of the provided services inside the PSD2 on behalf of a PSU. A TPP may have
    <tr style="height:25px"><td>Phoenix  Informatica Bancaria S.p.A.</td><td style="text-align:right;"> - </td></tr>
one or more of the PISP, AISP, PIISP roles and it is able to communicate with the involved ASPSPs
    <tr style="height:25px"><td>Poste Italiane S.p.A.</td><td style="text-align:right;">7601</td></tr>
through the interfaces defined by the PSD2 Gateway.</li>
    <tr style="height:25px"><td>SEC Servizi S.C.p.A.</td><td style="text-align:right;"> - </td></tr>
</ul>
    <tr style="height:25px"><td>UBI Banca S.p.a.</td><td style="text-align:right;">3111</td></tr>
 
    <tr style="height:35px; background-color:#bfbfbf"><td colspan=2 style="text-align:right;">[[File:logoxlistaasps.png|150px|logo|link=]]</td></tr>
<div class="centra-immagini">
  </table>
[[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">
[[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">
[[File:actor3.jpg|100%|PAYMENT INITIATION SERVICE(PIS)]]
</div>
</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&#39;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>
<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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Latest revision as of 10:58, 10 June 2019

Actors and definitions

CBI Globe - Global Open Banking Ecosystem presents itself internationally as a concrete collaborative project between Banks and Fintech 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. Indeed, around 300 banks have already joined the platform, representing 80% of the Italian banking industry.

Below there is the continuously uptaded list of the endpoints gathering all the Account Servicing Payment Service Providers (ASPSP) members. Inside the API Portal, which can be accessed only after registering and uploading an eIDAS Certificate - valid for production or test - there is the complete list of ASPSPs that have joined CBI Globe.


ENDPOINT MEMBERSABI CODE
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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