独家
印度央行为印度的数字支付制定规则
印度储备银行关于数字支付规则的通知发布之际，印度新兴的支付生态系统中，宕机、欺诈和数据泄露激增。
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Skipper从BSNL获得了2570亿卢比的合同，用于执行4G饱和项目
BSNL周五在一份监管文件中表示，该公司已经授予了“地面电信塔、基础设施即服务提供商(IaaSP)的供应、基础设施的安装和后续的运维合同，为期5年，可延长至印度4G饱和项目下未覆盖村庄的5年”。
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孟买:印度储备银行（印度储备银行已经发布了详细的指导方针来加强印度的教育数字支付架构改善银行、网关、钱包和其他非银行实体之间的安全、控制和合规性，这些实体是帮助新德里实现“少现金”经济目标的先锋。
新规定出台之际，印度蓬勃发展的支付生态系统出现了越来越多的中断、欺诈和网络入侵事件。新规则为所有受监管实体设置了框架，以标准化其安全操作，以模仿Mint Road定义的最佳实践。
本规定直接适用于定期商业银行、小型融资银行、支付银行和信用卡发行非金融机构。新规范还规定了受监管实体与第三方应用程序和生态系统参与者(如移动应用程序、支付运营商和网关)建立合作伙伴关系和互动的标准。
央行在一份通知中表示:“《总方向》提供了必要的指导方针……为数字支付产品和服务建立强有力的治理结构，并实施共同的最低安全控制标准。”“这些指导方针与技术和平台无关，应为客户以更安全的方式使用数字支付产品创造一个增强和有利的环境。”
所有受监管的实体都有6个月的时间来确保合规。
这份21页的主通函发布了一系列不同应用领域的规范，包括第三方UPI应用程序的源代码保护要求、针对外部攻击的安全网络安全指南、银行卡支付和互联网银行安全协议。
印度央行表示:“鉴于数字支付系统在印度发挥的卓越作用，印度央行对其安全控制给予了最高的重视。”“虽然这些指导方针与技术和平台无关，但它将为客户以更安全的方式使用数字支付产品创造一个增强和有利的环境。必要的指导方针将另行发布。”
印度央行行长Shaktikanta Das在其货币政策中首次暗示引入这些指导方针政策2020年12月4日委员会讲话。达斯曾表示，如此详细的支付生态系统规范将寻求带来一个“共同的最低标准”。
这些规则不仅会对受监管的银行产生影响，还会对第三方支付应用产生影响谷歌支付，WhatsApp支付以及PhonePe如何与银行合作伙伴互动并存储客户数据。
它还将影响几个依赖于延迟向银行合作伙伴结算商户资金的支付网关的业务模式。规则现在明确规定，支付运营商或银行不能将结算延迟到节点结算账户超过24小时。
“董事会和高级管理层应负责执行这一政策。该政策应定期审查，至少每年审查一次。REs可以针对其不同的数字产品单独制定这一政策，也可以将其作为整体产品政策的一部分。”
新规定出台之际，印度蓬勃发展的支付生态系统出现了越来越多的中断、欺诈和网络入侵事件。新规则为所有受监管实体设置了框架，以标准化其安全操作，以模仿Mint Road定义的最佳实践。
本规定直接适用于定期商业银行、小型融资银行、支付银行和信用卡发行非金融机构。新规范还规定了受监管实体与第三方应用程序和生态系统参与者(如移动应用程序、支付运营商和网关)建立合作伙伴关系和互动的标准。
所有受监管的实体都有6个月的时间来确保合规。
这份21页的主通函发布了一系列不同应用领域的规范，包括第三方UPI应用程序的源代码保护要求、针对外部攻击的安全网络安全指南、银行卡支付和互联网银行安全协议。
印度央行表示:“鉴于数字支付系统在印度发挥的卓越作用，印度央行对其安全控制给予了最高的重视。”“虽然这些指导方针与技术和平台无关，但它将为客户以更安全的方式使用数字支付产品创造一个增强和有利的环境。必要的指导方针将另行发布。”
印度央行行长Shaktikanta Das在其货币政策中首次暗示引入这些指导方针政策2020年12月4日委员会讲话。达斯曾表示，如此详细的支付生态系统规范将寻求带来一个“共同的最低标准”。
它还将影响几个依赖于延迟向银行合作伙伴结算商户资金的支付网关的业务模式。规则现在明确规定，支付运营商或银行不能将结算延迟到节点结算账户超过24小时。
“董事会和高级管理层应负责执行这一政策。该政策应定期审查，至少每年审查一次。REs可以针对其不同的数字产品单独制定这一政策，也可以将其作为整体产品政策的一部分。”
Mumbai: The Reserve Bank of India<\/a> (RBI<\/a>) has published detailed guidelines to strengthen India's digital payments architecture<\/a> and improve security, control and compliance among banks, gateways, wallets and other non-banking entities that are at the vanguard of helping New Delhi achieve its goal of a 'less-cash' economy.
The new rules come at a time when India\u2019s burgeoning payments ecosystem has seen increased instances of outages, frauds and cyber breaches. The new rules set the framework for all regulated entities to standardise their security operations to emulate best practices defined by Mint Road.
These rules are directly applicable for scheduled commercial banks, small finance banks, payment banks and credit card-issuing NBFCs. The new set of norms also specifies the criteria under which regulated entities can form partnerships and interact with third-party apps and ecosystem players such as mobile applications, payment operators and gateways.
The new rules come at a time when India\u2019s burgeoning payments ecosystem has seen increased instances of outages, frauds and cyber breaches. The new rules set the framework for all regulated entities to standardise their security operations to emulate best practices defined by Mint Road.
These rules are directly applicable for scheduled commercial banks, small finance banks, payment banks and credit card-issuing NBFCs. The new set of norms also specifies the criteria under which regulated entities can form partnerships and interact with third-party apps and ecosystem players such as mobile applications, payment operators and gateways.
<\/div><\/div>\u201cThe Master Direction provides necessary guidelines\u2026to set up a robust governance structure and implement common minimum standards of security controls for digital payment products and services,\u201d the central bank said in a circular. \u201cThe guidelines are technology and platform agnostic and shall create an enhanced and enabling environment for customers to use digital payment products in a more safe and secure manner.\"
All regulated entities have been given six months to ensure compliance.
The 21-page master circular issues specifications on a diverse set of application areas, including mandates from source code protection of third-party UPI apps, cyber security guidelines for safety against external attacks, card payments and internet banking security protocols.
\u201cGoing by the pre-eminent role being played by the digital payment systems in India, RBI gives the highest importance to the security controls around it,\u201d RBI said. \u201cWhile the guidelines will be technology and platform agnostic, it will create an enhanced and enabling environment for customers to use digital payment products in a more safe and secure manner. Necessary guidelines will be issued separately.\"
RBI Governor Shaktikanta Das had first hinted at the introduction of these guidelines in his Monetary Policy<\/a> Committee address on December 4, 2020. Das had said such a detailed specification for the payment ecosystem would seek to bring a \u201ccommon minimum standard\".
All regulated entities have been given six months to ensure compliance.
The 21-page master circular issues specifications on a diverse set of application areas, including mandates from source code protection of third-party UPI apps, cyber security guidelines for safety against external attacks, card payments and internet banking security protocols.
\u201cGoing by the pre-eminent role being played by the digital payment systems in India, RBI gives the highest importance to the security controls around it,\u201d RBI said. \u201cWhile the guidelines will be technology and platform agnostic, it will create an enhanced and enabling environment for customers to use digital payment products in a more safe and secure manner. Necessary guidelines will be issued separately.\"
RBI Governor Shaktikanta Das had first hinted at the introduction of these guidelines in his Monetary Policy<\/a> Committee address on December 4, 2020. Das had said such a detailed specification for the payment ecosystem would seek to bring a \u201ccommon minimum standard\".
<\/div><\/div>These rules will have implications for not only regulated banks, but also third-party payment applications such as Google Pay<\/a>, WhatsApp Pay<\/a> and PhonePe on how the nteract with their banking partners and store customer data.
It will also affect the business models of several payment gateways that rely on delayed settlement of merchant funds to banking partners. The rules now specify that a payment operator or a bank cannot delay settlements to nodal settlement accounts beyond 24 hours.
\u201cThe Board and Senior Management shall be responsible for implementation of this policy. The policy shall be reviewed periodically, at least on a yearly basis. REs may formulate this policy separately for its different digital products or include the same as part of their overall product policy,\u201d the central bank said.
<\/div><\/div>
It will also affect the business models of several payment gateways that rely on delayed settlement of merchant funds to banking partners. The rules now specify that a payment operator or a bank cannot delay settlements to nodal settlement accounts beyond 24 hours.
\u201cThe Board and Senior Management shall be responsible for implementation of this policy. The policy shall be reviewed periodically, at least on a yearly basis. REs may formulate this policy separately for its different digital products or include the same as part of their overall product policy,\u201d the central bank said.
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Tata Sons, the holding entity for the conglomerate, has challenged the claim of GST liabilities on the payments made, having earlier sought government intervention in the matter.","seolocation":"telecomnews\/tata-group-moves-high-court-on-rs-1500-crore-gst-claim","seolocationalt":"Tata Group moves High Court on Rs 1,500 crore GST claim","url_seo":"tata-group-moves-high-court-on-rs-1500-crore-gst-claim"},{"msid":"95887057","stname":"Watch out! Fraud SMSes and calls are soaring","artsyn":"Players such as Quick Heal are leveraging deep learning, behavioural analysis and predictive analytics to come up with solutions that not only monitor systems to identify cyber attacks and analyse the severity of the threat, but also block such threats.","seolocation":"telecomnews\/watch-out-fraud-smses-and-calls-are-soaring","seolocationalt":"Watch out! Fraud SMSes and calls are soaring","url_seo":"watch-out-fraud-smses-and-calls-are-soaring"},{"msid":"95830724","stname":"Trai flooded with complaints of pesky calls, messages","artsyn":"\u201cUCC is a major source of inconvenience to the public and impinges on the privacy of individuals\u2026complaints are reported against UTMs, where a surge has been seen in pushing various kinds of UCC SMSs\u2026additionally, UCC calls are also one of the concerns which need to be dealt equally along with UCC SMSs,\u201d Trai said in an official statement Monday.","seolocation":"telecomnews\/trai-flooded-with-complaints-of-pesky-calls-messages","seolocationalt":"Trai flooded with complaints of pesky calls, messages","url_seo":"trai-flooded-with-complaints-of-pesky-calls-messages"},{"msid":"95782606","stname":"RBI asks Paytm unit to reapply for payment aggregator licence","artsyn":"The regulator asked Paytm Payments Services Ltd, a 100% subsidiary of One 97 Communications, to reapply after getting the necessary approvals for foreign direct investment in the company to comply with existing rules, the company said in a notification to stock exchanges on Saturday.","seolocation":"telecomnews\/rbi-asks-paytm-unit-to-reapply-for-payment-aggregator-licence","seolocationalt":"RBI asks Paytm unit to reapply for payment aggregator licence","url_seo":"rbi-asks-paytm-unit-to-reapply-for-payment-aggregator-licence"},{"msid":"95672513","stname":"NPCI in talks with RBI on UPI volume cap deadline","artsyn":"NPCI in November 2022 had proposed a 30% volume cap for third-party app providers (TPAP) in a bid to avoid concentration risk.","seolocation":"telecomnews\/npci-in-talks-with-rbi-on-upi-volume-cap-deadline","seolocationalt":"NPCI in talks with RBI on UPI volume cap deadline","url_seo":"npci-in-talks-with-rbi-on-upi-volume-cap-deadline"},{"msid":"95573459","stname":"Rejigged localisation rules in Data Protection Bill to ease worries of Big Tech companies","artsyn":"The government\u2019s stance on data localisation is significantly different from the old version of the Bill, in which it had categorised data as personal, sensitive and critical.","seolocation":"telecomnews\/rejigged-localisation-rules-in-data-protection-bill-to-ease-worries-of-big-tech-companies","seolocationalt":"Rejigged localisation rules in Data Protection Bill to ease worries of Big Tech companies","url_seo":"rejigged-localisation-rules-in-data-protection-bill-to-ease-worries-of-big-tech-companies"},{"msid":"94822982","stname":"RBI's new norms for ARCs may further delay Aircel & RCom debt resolutions","artsyn":"Asset Reconstruction Company of India (Arcil), Edelweiss ARC and government-promoted National Asset Reconstruction Company, which have NOFs exceeding \u20b91,000 crore, are eligible to submit bids in bankruptcy settings. 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The payments bank has also built a large fee income pipeline from B2B (business-to-business) services, fees on transactions, customer subscriptions and interest spread. 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If you hold an Indian debit or credit card and you have a subscription, these changes impact your transactions. Some transactions might be declined by banks and card issuers,\" the company had said in a blogpost.","seolocation":"telecomnews\/pay-via-apple-id-balance-to-enjoy-its-services","seolocationalt":"Pay via Apple ID balance to enjoy its services","url_seo":"pay-via-apple-id-balance-to-enjoy-its-services"},{"msid":"91350411","stname":"Apple App Store removes option to pay via debit and credit cards due to RBI auto-debit mandate","artsyn":"\"Regulatory requirements in India apply to the processing of recurring transactions. If you hold an Indian debit or credit card and you have a subscription, these changes impact your transactions. Some transactions might be declined by banks and card issuers,\" the Apple statement reads.","seolocation":"telecomnews\/apple-app-store-removes-option-to-pay-via-debit-and-credit-cards-due-to-rbi-auto-debit-mandate","seolocationalt":"Apple App Store removes option to pay via debit and credit cards due to RBI auto-debit mandate","url_seo":"apple-app-store-removes-option-to-pay-via-debit-and-credit-cards-due-to-rbi-auto-debit-mandate"},{"msid":"91069745","stname":"Net users need to be alert as cyber safety under threat, warn experts","artsyn":"Speaking at the Times Verified session \u2018Financial scams through social media and messaging: How to be safe?\u2019, experts from various stakeholder groups said the cybersecurity apparatus remains vulnerable, and needs 24x7 vigil for users to be protected.","seolocation":"telecomnews\/net-users-need-to-be-alert-as-cyber-safety-under-threat-warn-experts","seolocationalt":"Net users need to be alert as cyber safety under threat, warn experts","url_seo":"net-users-need-to-be-alert-as-cyber-safety-under-threat-warn-experts"},{"msid":"91061143","stname":"Airtel Payments Bank revenue may jump to $1 billion by 2030","artsyn":"\"Bharti has found a way to generate profit in Indian fintech, and we model Airtel Payments Bank rising to $1 billion of revenue by 2030,\" London-based telecoms research firm New Street said in a note, adding that APB's current worth (read: valuation) is estimated at around $3.5 billion.","seolocation":"telecomnews\/airtel-payments-bank-revenue-may-jump-to-1-billion-by-2030","seolocationalt":"Airtel Payments Bank revenue may jump to $1 billion by 2030","url_seo":"airtel-payments-bank-revenue-may-jump-to-1-billion-by-2030"},{"msid":"90892189","stname":"UPI to stay on top; BNPL, digi currency to drive digital payments growth in next 5 years: Report","artsyn":"Retail online transaction platform UPI will likely continue to dominate the digital payments space in the country even as newer methods such as BNPL and digital currency are expected to define the future of payments, a study has said. Unified Payments Interface (UPI), Buy Now Pay Later (BNPL), Central Bank Digital Currency (CBDC) and offline payments will drive growth of digital payments in India in the next five years, PwC India said in a report.","seolocation":"telecomnews\/upi-to-stay-on-top-bnpl-digi-currency-to-drive-digital-payments-growth-in-next-5-years-report","seolocationalt":"UPI to stay on top; BNPL, digi currency to drive digital payments growth in next 5 years: Report","url_seo":"upi-to-stay-on-top-bnpl-digi-currency-to-drive-digital-payments-growth-in-next-5-years-report"}],"primeid":0,"storytags":{"categoryTag":{"sectionid":"49830939","sectionname":"TelecomNews","seolocation":"telecomnews","seolocationalt":"telecomnews"},"otherTags":[{"keyid":"30067","value":"RBI","smid":"0","keynameseo":"RBI","keytype":"","keycount":"totalcount","weightage":"100"},{"keyid":"4878801","value":"whatsapp pay","smid":"0","keynameseo":"whatsapp-pay","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6354335","value":"reserve bank of india","smid":"0","keynameseo":"reserve-bank-of-india","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"10788675","value":"rbi rules for digital payments","smid":"0","keynameseo":"rbi-rules-for-digital-payments","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"7042380","value":"RBI circulars","smid":"0","keynameseo":"RBI-circulars","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"28351","value":"policy","smid":"0","keynameseo":"policy","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"2750705","value":"Google Pay","smid":"0","keynameseo":"Google-Pay","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"10789096","value":"digital payments architecture","smid":"0","keynameseo":"digital-payments-architecture","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6358577","value":"digital payments","smid":"0","keynameseo":"digital-payments","keytype":"","keycount":"totalcount","weightage":"20"}],"filterTags":[]},"formattedTags":{"companyTags":[],"otherTags":[{"name":"rbi rules for digital payments"},{"name":"digital payments architecture"},{"name":"reserve bank of india"},{"name":"digital payments"},{"name":"RBI circulars"},{"name":"whatsapp pay"},{"name":"Google Pay"},{"name":"policy"},{"name":"RBI"}],"newsCategoryTags":[{"name":"TelecomNews","seolocation":"telecomnews"}],"breadcrumbTags":["RBI","whatsapp pay","reserve bank of india","rbi rules for digital payments","RBI circulars","policy","Google Pay","digital payments architecture","digital payments"],"filterTags":[]},"breadcrumbTags":["RBI","whatsapp pay","reserve bank of india","rbi rules for digital payments","RBI circulars","policy","Google Pay","digital payments architecture","digital payments"],"Alttitle":{"minfo":""},"Altdescription":{"minfo":""},"amp_url":"\/\/www.iser-br.com\/amp\/news\/rbi-sets-rules-for-digital-payments-in-india\/81102183"}" data-news-images="null" data-newsletter-by="0" data-newsletter-date="a" data-hasbottomcarousel="" data-alldetailsopen="0" data-multipleanalyticshit="" data-deeplink="https://ettelecom.app.link?$deeplink_path=" data-socialshareformat="default">
