Bengaluru: After setting up a financial technology unit back in 2018, the Reserve Bank of India<\/a> (RBI) said it will now put together a separate fintech department<\/a> in view of the sector’s rapidly changing landscape. 在一个内部循环,印度储备银行(RBI)表示,决定设立fintech部门进一步关注和促进创新在印度fintech部门。 班加罗尔:在建立一个金融技术部门早在2018年,印度储备银行(RBI)表示,它将一个单独放在一起fintech部门针对行业的快速变化的景观。
In an internal circular, the central bank said it decided to set up the department to further focus and facilitate innovation in the Indian fintech sector. “Accordingly, a new department has been created with effect from January 4, 2022, by subsuming the fintech division of DPSS, CO. The department will not only promote innovation in the sector, but also identify the challenges and opportunities associated with it and address them in a timely manner,” RBI said in the circular.
DPSS is the department of payment and settlement systems, which works on policy<\/a> formation and authorisation of payment and settlement system operators in the country, among other things.
Along with identifying challenges and opportunities, the new fintech department will also provide a framework for further research on the subject that could aid policy interventions by the central bank, RBI said in the circular, which ET has reviewed.
“Accordingly, if matters related to the facilitation of constructive innovations and incubations in the fintech sector, which may have wider implications for the financial sector\/markets and fall under the purview of the Bank, will be dealt with by the fintech department,” it said.
According to the central bank, the fintech department will be administratively attached to the centralised administrative division (CAD) of the central office.
The fintech sector has faced several regulatory changes as new-age startups enter the financial services sector. Last month, RBI extended the deadline for card tokenisation—from January 1, 2022, to June 30, 2022—after several companies and industry bodies said they needed more time to make the necessary changes.
As part of the new rules, online merchants are barred from storing card details of users on their platforms. This is meant to curtail online payment fraud, but will also increase friction in online payments<\/a> with users having to re-enter their card details for every purchase.
Prior to that, in October, card-based recurring payments saw disruption, with customers having to reauthorise standing instructions for recurring payments or online subscriptions up to Rs 5,000.
In 2020, the central bank released a framework for new umbrella entities (NUE) to increase competition in digital payments<\/a>. The decision saw several industry heavyweights from Tatas to Reliance, and new-age companies such as Paytm and Ola, apply for the licence.
Recently, RBI also made the decision to allow payments of up to Rs 200 to be made through offline channels, without the need for an active internet connection.
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印度建立新的fintech部门推动创新
在一个内部循环,央行表示,决定成立国务院进一步关注和促进创新在印度fintech部门。”因此,创建了一个新部门的影响从1月4日,2022年,通过运用fintech分工离散长有限公司部门不仅会促进创新的行业,而且识别与之关联的挑战和机遇,及时解决这些问题,”央行在圆形表示。
随着识别机遇和挑战,新的fintech部门还将为进一步的研究提供了一个框架在这个问题上,可以通过中央银行援助政策干预,央行表示,在循环了。
“因此,如果相关事项便利化fintech建设性的创新和孵化项目的部门,这可能对金融行业/市场更广泛的影响,属于银行的范围,将fintech部门处理的,”它说。
根据中央银行,fintech部门将管理连接到中央集权行政区划(CAD)中央办公室。
fintech部门面临着几个监管改革作为新时代创业进入金融服务业。上个月,央行扩展卡的最后期限tokenisation-from 1月1日,2022年,到2022年6月30日——在几家公司和行业团体说,他们需要更多的时间来做必要的改变。
作为新规则的一部分,网上商家被禁止储存卡用户在他们的平台上的细节。这是为了减少在线支付欺诈,但是也会增加摩擦在线支付与用户不得不重新输入他们的信用卡细节,每购买。
在此之前,今年10月,基于重复支付看到中断,与客户站在重新批准指令重复支付或网上订阅5000卢比。
2020年,中央银行发布了一个新伞实体框架(自虐)增加竞争电子支付。决定看到几个行业巨头坐镇的依赖,和新时代公司如Paytm和Ola,申请执照。
最近,印度也决定允许支付高达200卢比,通过线下渠道,而不需要一个活跃的网络连接。
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Bengaluru: After setting up a financial technology unit back in 2018, the Reserve Bank of India<\/a> (RBI) said it will now put together a separate fintech department<\/a> in view of the sector’s rapidly changing landscape.
In an internal circular, the central bank said it decided to set up the department to further focus and facilitate innovation in the Indian fintech sector. “Accordingly, a new department has been created with effect from January 4, 2022, by subsuming the fintech division of DPSS, CO. The department will not only promote innovation in the sector, but also identify the challenges and opportunities associated with it and address them in a timely manner,” RBI said in the circular.
DPSS is the department of payment and settlement systems, which works on policy<\/a> formation and authorisation of payment and settlement system operators in the country, among other things.
Along with identifying challenges and opportunities, the new fintech department will also provide a framework for further research on the subject that could aid policy interventions by the central bank, RBI said in the circular, which ET has reviewed.
“Accordingly, if matters related to the facilitation of constructive innovations and incubations in the fintech sector, which may have wider implications for the financial sector\/markets and fall under the purview of the Bank, will be dealt with by the fintech department,” it said.
According to the central bank, the fintech department will be administratively attached to the centralised administrative division (CAD) of the central office.
The fintech sector has faced several regulatory changes as new-age startups enter the financial services sector. Last month, RBI extended the deadline for card tokenisation—from January 1, 2022, to June 30, 2022—after several companies and industry bodies said they needed more time to make the necessary changes.
As part of the new rules, online merchants are barred from storing card details of users on their platforms. This is meant to curtail online payment fraud, but will also increase friction in online payments<\/a> with users having to re-enter their card details for every purchase.
Prior to that, in October, card-based recurring payments saw disruption, with customers having to reauthorise standing instructions for recurring payments or online subscriptions up to Rs 5,000.
In 2020, the central bank released a framework for new umbrella entities (NUE) to increase competition in digital payments<\/a>. The decision saw several industry heavyweights from Tatas to Reliance, and new-age companies such as Paytm and Ola, apply for the licence.
Recently, RBI also made the decision to allow payments of up to Rs 200 to be made through offline channels, without the need for an active internet connection.
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