«Ведомости»: банки с 2013 года будут уведомлять клиентов о каждой операции по карте

{"ID":"466439","~ID":"466439","TAGS":"","~TAGS":"","NAME":"«Ведомости»: банки с 2013 года будут уведомлять клиентов о каждой операции по карте","~NAME":"«Ведомости»: банки с 2013 года будут уведомлять клиентов о каждой операции по карте","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EСо следующего года банкам придется изменить порядок работы с клиентами, пользующимися электронными средствами платежа \u0026mdash; банковскими картами, \u0026laquo;электронными кошельками\u0026raquo; и системами дистанционного банковского обслуживания, сообщил \u0026laquo;Ведомостям\u0026raquo; первый зампред ЦБ Владислав Конторович.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо закону \u0026laquo;О национальной платежной системе\u0026raquo;, принятому в июне прошлого года, с 31 декабря 2012 года банки обязаны уведомлять всех своих клиентов о каждой операции, совершенной с помощью банковской карты, электронных денег, мобильного платежа или через интернет-банк [интернет-банк] с использованием электронной подписи. В противном случае клиент может потребовать возмещения суммы операции, совершенной без его ведома. А для клиентов-физлиц законом предусмотрена дополнительная защита. Даже при наличии уведомления клиент может в течение суток оспорить операцию, сославшись на утрату карты или использование ее третьими лицами. В этом случае банк должен будет вначале компенсировать размер списания и только потом доказывать в суде, что клиент сам совершил эту операцию.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nДо конца года банкам надо решить, как уведомлять клиентов. СМС-уведомления или сообщения по электронной почте подходят не всегда, отмечает советник первого зампреда ЦБ Андрей Лисицын. Дело в том, что со следующего года все российские граждане начнут получать универсальные электронные карты (УЭК), на которые, в частности, будут перечисляться пенсии и социальные выплаты и которыми льготные категории граждан будут расплачиваться в транспорте, аптеках, больницах. \u0026laquo;Не все клиенты, которым будет выдаваться УЭК, пользуются мобильными телефонами или электронной почтой\u0026raquo;, \u0026mdash; беспокоится Лисицын.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Самое опасное в этом законе даже не рассылка миллионов уведомлений, а то, что банки априори будут обязаны компенсировать опротестованные розничными клиентами операции\u0026raquo;, \u0026mdash; говорит юрист одного из банков топ-10. Предоставленное законом право на компенсацию открывает недобросовестным клиентам возможности для злоупотреблений. При этом доказать в суде, что клиент действовал в сговоре с третьими лицами и сам передал им свою карточку, а потом заявил, что ее несанкционированно использовали, будет очень сложно, опасается собеседник \u0026laquo;Ведомостей\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nДля минимизации рисков банкам придется более подробно прописывать порядок использования электронных средств платежа, страховать свою ответственность и, возможно, даже установить жесткие лимиты по операциям с картами. Сейчас некоторые банки уже начали такую работу, рассказали несколько участников рынка. Также банки думают, как компенсировать расходы на уведомление клиентов. С 2013 года оно должно стать бесплатным. \u0026laquo;Мы ежемесячно рассылаем миллионы СМС-оповещений клиентам, расходы на это измеряются миллионами долларов в год\u0026raquo;, \u0026mdash; говорит замруководителя блока \u0026laquo;Электронный бизнес\u0026raquo; Альфа-Банка Олег Зайцевский. Этот сервис для клиентов платный \u0026mdash; в среднем 59 рублей в месяц. В случае бесплатного информирования всех клиентов расходы вырастут в несколько раз, \u0026laquo;и мы вынуждены будем продумывать схемы, как это компенсировать\u0026raquo;, предупреждает Зайцевский. \u0026laquo;Для банков это вопрос расходов, которые будут превращены в комиссии за предоставляемые услуги\u0026raquo;, \u0026mdash; согласна вице-президент Банка Москвы (банк эмитирует социальную карту москвича) Оксана Смирнова-Крелль. Скорее всего, банки зашьют свои расходы в тарифы, допускают участники рынка. \u0026laquo;Рост тарифов в какой-то степени будет сдерживаться конкуренцией на рынке\u0026raquo;,\u0026mdash; надеется Конторович.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПридется повышать и финансовую грамотность клиентов, указывает начальник управления Абсолют Банка Мария Коханюк. Недавно банк подключил дополнительные уведомления для юрлиц, после чего столкнулся \u0026laquo;с волной негатива со стороны компаний \u0026mdash; многим клиентам пришлось объяснять, зачем нужны такие уведомления\u0026raquo;, рассказывает она.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсточник: \u003Ca href=\u0022http:\/\/www.vedomosti.ru\/finance\/news\/1482027\/spisal_soobschi\u0022 target=\u0022_blank\u0022 \u003EВедомости\u003C\/a\u003E\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EСо следующего года банкам придется изменить порядок работы с клиентами, пользующимися электронными средствами платежа \u0026mdash; банковскими картами, \u0026laquo;электронными кошельками\u0026raquo; и системами дистанционного банковского обслуживания, сообщил \u0026laquo;Ведомостям\u0026raquo; первый зампред ЦБ Владислав Конторович.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПо закону \u0026laquo;О национальной платежной системе\u0026raquo;, принятому в июне прошлого года, с 31 декабря 2012 года банки обязаны уведомлять всех своих клиентов о каждой операции, совершенной с помощью банковской карты, электронных денег, мобильного платежа или через интернет-банк [интернет-банк] с использованием электронной подписи. В противном случае клиент может потребовать возмещения суммы операции, совершенной без его ведома. А для клиентов-физлиц законом предусмотрена дополнительная защита. Даже при наличии уведомления клиент может в течение суток оспорить операцию, сославшись на утрату карты или использование ее третьими лицами. В этом случае банк должен будет вначале компенсировать размер списания и только потом доказывать в суде, что клиент сам совершил эту операцию.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nДо конца года банкам надо решить, как уведомлять клиентов. СМС-уведомления или сообщения по электронной почте подходят не всегда, отмечает советник первого зампреда ЦБ Андрей Лисицын. Дело в том, что со следующего года все российские граждане начнут получать универсальные электронные карты (УЭК), на которые, в частности, будут перечисляться пенсии и социальные выплаты и которыми льготные категории граждан будут расплачиваться в транспорте, аптеках, больницах. \u0026laquo;Не все клиенты, которым будет выдаваться УЭК, пользуются мобильными телефонами или электронной почтой\u0026raquo;, \u0026mdash; беспокоится Лисицын.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Самое опасное в этом законе даже не рассылка миллионов уведомлений, а то, что банки априори будут обязаны компенсировать опротестованные розничными клиентами операции\u0026raquo;, \u0026mdash; говорит юрист одного из банков топ-10. Предоставленное законом право на компенсацию открывает недобросовестным клиентам возможности для злоупотреблений. При этом доказать в суде, что клиент действовал в сговоре с третьими лицами и сам передал им свою карточку, а потом заявил, что ее несанкционированно использовали, будет очень сложно, опасается собеседник \u0026laquo;Ведомостей\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nДля минимизации рисков банкам придется более подробно прописывать порядок использования электронных средств платежа, страховать свою ответственность и, возможно, даже установить жесткие лимиты по операциям с картами. Сейчас некоторые банки уже начали такую работу, рассказали несколько участников рынка. Также банки думают, как компенсировать расходы на уведомление клиентов. С 2013 года оно должно стать бесплатным. \u0026laquo;Мы ежемесячно рассылаем миллионы СМС-оповещений клиентам, расходы на это измеряются миллионами долларов в год\u0026raquo;, \u0026mdash; говорит замруководителя блока \u0026laquo;Электронный бизнес\u0026raquo; Альфа-Банка Олег Зайцевский. Этот сервис для клиентов платный \u0026mdash; в среднем 59 рублей в месяц. В случае бесплатного информирования всех клиентов расходы вырастут в несколько раз, \u0026laquo;и мы вынуждены будем продумывать схемы, как это компенсировать\u0026raquo;, предупреждает Зайцевский. \u0026laquo;Для банков это вопрос расходов, которые будут превращены в комиссии за предоставляемые услуги\u0026raquo;, \u0026mdash; согласна вице-президент Банка Москвы (банк эмитирует социальную карту москвича) Оксана Смирнова-Крелль. Скорее всего, банки зашьют свои расходы в тарифы, допускают участники рынка. \u0026laquo;Рост тарифов в какой-то степени будет сдерживаться конкуренцией на рынке\u0026raquo;,\u0026mdash; надеется Конторович.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nПридется повышать и финансовую грамотность клиентов, указывает начальник управления Абсолют Банка Мария Коханюк. Недавно банк подключил дополнительные уведомления для юрлиц, после чего столкнулся \u0026laquo;с волной негатива со стороны компаний \u0026mdash; многим клиентам пришлось объяснять, зачем нужны такие уведомления\u0026raquo;, рассказывает она.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсточник: \u003Ca href=\u0022http:\/\/www.vedomosti.ru\/finance\/news\/1482027\/spisal_soobschi\u0022 target=\u0022_blank\u0022 \u003EВедомости\u003C\/a\u003E\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003C\/p\u003E","DETAIL_TEXT_TYPE":"html","~DETAIL_TEXT_TYPE":"html","PREVIEW_TEXT":"","~PREVIEW_TEXT":"","PREVIEW_TEXT_TYPE":"text","~PREVIEW_TEXT_TYPE":"text","DETAIL_PICTURE":{"ID":"238701","TIMESTAMP_X":"30.01.2015 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