{"id":191622,"date":"2021-03-05T13:12:00","date_gmt":"2021-03-05T13:12:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=191622"},"modified":"2021-03-05T13:12:00","modified_gmt":"2021-03-05T13:12:00","slug":"ing-tech-proiectul-casy-central-aggregation-service-leveraging-yolt","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=191622","title":{"rendered":"ING Tech: Proiectul Casy (Central Aggregation Service leveraging Yolt)"},"content":{"rendered":"<p>\n<strong><ins>Proiectul Casy reprezint\u0103 poarta de acces global\u0103 <\/ins><ins>a ING c\u0103tre datele tuturor clien\u0163ilor care au conturi \u015fi la alte b\u0103nci.<\/ins><\/strong><\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/19937967\/22\/ing-identifier-fc-rgb-1-1.jpg?height=200&#038;width=200\" style=\"width: 200px; height: 200px; margin: 10px; float: right;\" \/><\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<strong><ins><img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/19937967\/23\/ing-tech-cifre.jpg?height=288&#038;width=150\" style=\"width: 150px; height: 288px; margin: 10px; float: left;\" \/>Descrierea inova\u0163iei: <\/ins><\/strong><\/p>\n<p>\nOdat\u0103 cu directiva Uniunii Europene privind serviciile de plat\u0103 PSD2 (Payment Services Directive) prin care se urm\u0103re\u015fte deschiderea sectorului bancar c\u0103tre companii fintech \u015fi alte organiza\u0163ii interesate, toate b\u0103ncile sunt \u00een prezent nevoite s\u0103 \u00ee\u015fi expun\u0103 datele \u015fi informa\u0163iile relevante pentru a \u00eembun\u0103t\u0103\u0163i serviciile financiare online oferite clien\u0163ilor. Pornind de la acest context, ING Tech Rom\u00e2nia a dezvoltat proiectul Casy prin care, folosind datele expuse, creeaz\u0103 un serviciu de agregare a tuturor datelor \u015fi conturilor, direct \u00een aplica\u0163ia de internet banking a ING (odat\u0103 ce clientul \u015fi-a oferit consim\u0163\u0103m\u00e2ntul). \u00cen c\u00e2teva cuvinte, proiectul Casy \u00ee\u015fi propune ca toate datele financiare privind opera\u0163iunile bancare ale unui client (de la b\u0103ncile \u015fi fintech-urile unde acesta are deschis un cont bancar), s\u0103 fie agregate direct \u00een aplica\u0163ia de mobile sau internet banking a ING. Acest aspect \u00eei ofer\u0103 utilizatorului o centralizare a tuturor conturilor \u015fi opera\u0163iilor financiare. Faza ini\u0163ial\u0103 a proiectului Casy permite clientului s\u0103 vizualizeze \u00een aplica\u0163ia de internet banking a ING toate tranzac\u0163iile \u015fi opera\u0163iunile din conturile pe care acesta le de\u0163ine (indiferent de banc\u0103 sau fintech). Ulterior acestei prime etape, clientul va putea s\u0103 efectueze toate tranzac\u0163iile \u015fi opera\u0163iunile bancare din conturile sale \u00eentr-o singur\u0103 aplica\u0163ie, cea a ING. Aceast\u0103 inova\u0163ie a mers mai departe de at\u00e2t, oferind posibilitatea clientului s\u0103 aduc\u0103 \u00eentr-un singur loc conturi de la diferite b\u0103nci din mai multe \u0163\u0103ri din Europa. Rolul ING Tech Rom\u00e2nia \u00een dezvoltarea acestei inova\u0163ii a pornit de la extinderea proiectului PSD2 \u015fi a ideii de a centraliza toate tranzac\u0163iile folosite prin aplica\u0163ia Yolt, la a reu\u015fi s\u0103 integreze to\u0163i providerii bancari (din Rom\u00e2nia \u015fi Europa), care intr\u0103 sub efectul directivei PSD2. \u00cen prezent, solu\u0163ia tehnic\u0103 este testat\u0103 ca pilot cu utilizatori din Spania, iar \u00eencep\u00e2nd cu primele luni din anul 2021 va fi integrat\u0103 pentru to\u0163i clien\u0163ii din aceast\u0103 \u0163ar\u0103, urm\u00e2nd apoi ca treptat, solu\u0163ia s\u0103 fie integrat\u0103 \u00een toate \u0163\u0103rile \u00een care ING este prezent.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<strong><ins>Elementul de noutate:<\/ins><\/strong><\/p>\n<p>\nAceast\u0103 solu\u0163ie tehnic\u0103 permite clien\u0163ilor s\u0103 \u00ee\u015fi centralizeze \u00eentr-o singur\u0103 aplica\u0163ie nu doar conturile de la toate b\u0103ncile din Rom\u00e2nia, c\u00e2t \u015fi posibilitatea s\u0103 integreze conturi deschise la b\u0103nci \u015fi fintech-uri din Uniunea European\u0103. Mai mult dec\u00e2t at\u00e2t, Casy permite odat\u0103 ce clientul \u015fi-a dat acordul s\u0103 integreze conturile sale bancare \u00een aplica\u0163ie, sa nu mai fie nevoit s\u0103 reintroduc\u0103 sau s\u0103 reconfirme datele deja ad\u0103ugate, timp de 90 de zile.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<strong><ins>Efectele inova\u0163iei:<\/ins><\/strong><\/p>\n<p>\nAceast\u0103 inova\u0163ie tehnic\u0103 ofer\u0103 clien\u0163ilor serviciilor bancare o flexibilitate \u015fi mobilitate crescut\u0103, d\u00e2ndu-le posibilitatea ca dintr-o singur\u0103 aplica\u0163ie s\u0103 \u00ee\u015fi coordoneze toate opera\u0163iunile bancare care \u00eenainte trebuiau operate separat din aplica\u0163ia fiec\u0103rei b\u0103nci. De asemenea, Casy ofer\u0103 oportunitatea utilizatorilor care lucreaz\u0103 \u00een mai multe \u0163\u0103ri, poate chiar cu mai multe valute, s\u0103 beneficieze de toate aceste aspecte integrate, oferind \u015fi o experien\u0163\u0103 unic\u0103 clientului, fie c\u0103 acesta se afl\u0103 \u00een Olanda, Rom\u00e2nia sau Spania. \u00cen c\u00e2teva cuvinte, este vorba de o flexibilitate mai mare, centralizare a informa\u0163iilor \u015fi mobilitate crescut\u0103 \u00een cadrul Uniunii Europene pentru clien\u0163ii b\u0103ncilor \u015fi fintech-urilor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Proiectul Casy reprezint\u0103 poarta de acces global\u0103 a ING c\u0103tre datele tuturor clien\u0163ilor care au conturi \u015fi la alte b\u0103nci. &nbsp; Descrierea inova\u0163iei: Odat\u0103 cu directiva Uniunii Europene privind serviciile de plat\u0103 PSD2 (Payment Services Directive) prin care se urm\u0103re\u015fte deschiderea sectorului bancar c\u0103tre companii fintech \u015fi alte organiza\u0163ii interesate, toate b\u0103ncile sunt \u00een prezent [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,512,7208],"tags":[7267,48153,28103,13082,48151,8103,10338,48152,22030],"class_list":["post-191622","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-revista-bm","category-servicii-financiare","tag-banci","tag-central-aggregation-service-leveraging-yolt","tag-centralizare","tag-conturi","tag-ing-tech","tag-internet-banking","tag-operatiuni","tag-proiectul-casy","tag-tehnica"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/191622","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=191622"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/191622\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=191622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=191622"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=191622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}