$\"\"$ Adding a new chapter to the digital payments<\/a> ecosystem in the country , the Reserve Bank of India<\/a> (RBI<\/a>) is planning to allow interoperability between mobile wallets and eventually give them access to Unified Payments Interface<\/a> (UPI), but it's not going to be easy, given that with relaxed capital requirements, not all PPI (Prepaid Payments Instrument) licence holders have the same level of technology and security readiness.
\n
\n\"Since interoperability between wallets has to be brought about, RBI is thinking of re-looking into the capital requirements for a PPI licence, and also reviewing the threshold limit of transactions to become a wallet player,\" said two people aware of the matter.
\n
\nAt present, there are 53 PPI licence holders in the country, according to the central bank, but industry insiders said not more than half of them are actually active in the payments business acquiring merchants and showing strong transactions.
\n
\n\"Once there is interoperability between such players, I am sure there's a need to check on the level of activity of the players, otherwise it could turn out to be an administrative headache to manage so many entities,\" said a top executive of a payments company. \"In the current scenario, top five to six wallets are showing 90% of the transactions.\"
\n
\nWallets had been given licence according to very relaxed net worth criteria, which allowed a huge flux of players to get into the market. According to regulatory norms, for a PPI, the minimum paid-up capital needed is Rs 5 crore with a minimum positive net worth of Rs 1 crore.
\n
\n\"If serious players are not in the game, managing so many dormant entities could pose serious regulatory challenges -this is something we are closely looking at,\" said one of the persons quoted above.
\n
\nIn case of other interoperable systems such as Bharat Bill Payment (BBPS) and even Trade Receivables Discounting System (TReDS), the regulator had mandated a minimum capital requirement of Rs 100 crore.
\n
\nWhile the recent step of the ministry of electronics and IT to issue draft cyber security guidelines for mobile wallets is a step towards that direction, payments executives ET spoke to said that wallets will always be subjected to strong security scrutiny.
\n
\n\"I believe there's a need for balance between security and ease of business because wallets are catering to very small value transactions and strict norms of full KYC and others could make it difficult for the lowest sections of the economy to adopt the solutions,\" said the executive of the payments firm quoted above.\n\n<\/body>","next_sibling":[{"msid":57704090,"title":"India is at the beginning of fourth industrial revolution: Mukesh Ambani","entity_type":"ARTICLE","link":"\/news\/india-is-at-the-beginning-of-fourth-industrial-revolution-mukesh-ambani\/57704090","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":57702866,"entity_type":"ARTICLE","title":"RBI's mobile wallet interoperability faces a few hurdles","synopsis":"Wallets had been given licence according to very relaxed net worth criteria, which allowed a huge flux of players to get into the market.","titleseo":"telecomnews\/rbis-mobile-wallet-interoperability-faces-a-few-hurdles","status":"ACTIVE","authors":[{"author_name":"Pratik Bhakta","author_link":"\/author\/479242111\/pratik-bhakta","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479242111.cms?width=100&height=100&hostid=268","author_additional":{"thumbsize":false,"msid":479242111,"author_name":"Pratik Bhakta","author_seo_name":"pratik-bhakta","designation":"Correspondent","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2017-03-18 16:07:02","lastupd":"2017-03-18 16:07:02","breadcrumbTags":["RBI","reserve bank of india","Mobile wallet","Digital Payments","Unified payments interface"],"secinfo":{"seolocation":"telecomnews\/rbis-mobile-wallet-interoperability-faces-a-few-hurdles"}}" data-authors="[" pratik bhakta"]" data-category-name="" data-category_id="" data-date="2017-03-18" data-index="article_1">

Telecom乐动扑克News

印度的移动钱包的互操作性面临着一些障碍

钱包被许可证根据净资产非常放松标准,使一个巨大的通量的球员进入市场。

Pratik Bhakta,
等局

发布于2017年3月18日下午04:07坚持

添加一个新的篇章电子支付生态系统,印度储备银行(印度储备银行)计划允许手机钱包和最终给他们访问之间的互操作性统一的支付接口(UPI),但是它不会容易,鉴于与放松的资本要求,并不是所有的PPI(预付支付工具)许可证持有者相同级别的技术和安全准备。

”之间的互操作性的钱包必须带来,央行正在考虑重新进入资本要求PPI执照,并审查交易门槛限制成为一个钱包的球员,”说两人知道此事。

目前,53 PPI许可证持有者,根据中央银行,但业内人士表示,不超过一半的人实际上是活跃于支付业务的收购商人和展示强大的交易。

“一旦有这样的球员之间的互操作性,我相信有一个需要检查的活动水平的球员,否则它可能是一个管理头痛管理如此多的实体,”一家支付公司的一位高管说。“在当前的场景中,上五到六钱包显示90%的交易。”

钱包被许可证根据净资产非常放松标准,使一个巨大的通量的球员进入市场。根据监管规范,PPI,最低实收资本需要的是5卢比,最低1卢比的正面净资产。

“如果严重的玩家不在游戏,管理这么多的休眠实体可能会带来严重的监管挑战-这是我们正在密切观察,“说上面引用的人之一。

其他的可互操作的系统,如巴拉特分期付款(bbp)甚至应收款项折扣系统(TReDS),监管机构规定的最低资本要求100卢比。

虽然最近的一步的电子产品和发行网络安全指南草案移动钱包是朝着这个方向迈出的一步,支付高管等向说钱包总是会受到强大的安全审查。

“我相信有需要平衡安全和易于业务因为钱包是迎合很小价值交易和严格规范的完整KYC和其他人可能会使经济的最低部分很难采用的解决方案,”上面引用的支付公司的执行官说。

发布于2017年3月18日下午04:07坚持

$\"\"$ Adding a new chapter to the digital payments<\/a> ecosystem in the country , the Reserve Bank of India<\/a> (RBI<\/a>) is planning to allow interoperability between mobile wallets and eventually give them access to Unified Payments Interface<\/a> (UPI), but it's not going to be easy, given that with relaxed capital requirements, not all PPI (Prepaid Payments Instrument) licence holders have the same level of technology and security readiness.
\n
\n\"Since interoperability between wallets has to be brought about, RBI is thinking of re-looking into the capital requirements for a PPI licence, and also reviewing the threshold limit of transactions to become a wallet player,\" said two people aware of the matter.
\n
\nAt present, there are 53 PPI licence holders in the country, according to the central bank, but industry insiders said not more than half of them are actually active in the payments business acquiring merchants and showing strong transactions.
\n
\n\"Once there is interoperability between such players, I am sure there's a need to check on the level of activity of the players, otherwise it could turn out to be an administrative headache to manage so many entities,\" said a top executive of a payments company. \"In the current scenario, top five to six wallets are showing 90% of the transactions.\"
\n
\nWallets had been given licence according to very relaxed net worth criteria, which allowed a huge flux of players to get into the market. According to regulatory norms, for a PPI, the minimum paid-up capital needed is Rs 5 crore with a minimum positive net worth of Rs 1 crore.
\n
\n\"If serious players are not in the game, managing so many dormant entities could pose serious regulatory challenges -this is something we are closely looking at,\" said one of the persons quoted above.
\n
\nIn case of other interoperable systems such as Bharat Bill Payment (BBPS) and even Trade Receivables Discounting System (TReDS), the regulator had mandated a minimum capital requirement of Rs 100 crore.
\n
\nWhile the recent step of the ministry of electronics and IT to issue draft cyber security guidelines for mobile wallets is a step towards that direction, payments executives ET spoke to said that wallets will always be subjected to strong security scrutiny.
\n
\n\"I believe there's a need for balance between security and ease of business because wallets are catering to very small value transactions and strict norms of full KYC and others could make it difficult for the lowest sections of the economy to adopt the solutions,\" said the executive of the payments firm quoted above.\n\n<\/body>","next_sibling":[{"msid":57704090,"title":"India is at the beginning of fourth industrial revolution: Mukesh Ambani","entity_type":"ARTICLE","link":"\/news\/india-is-at-the-beginning-of-fourth-industrial-revolution-mukesh-ambani\/57704090","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":57702866,"entity_type":"ARTICLE","title":"RBI's mobile wallet interoperability faces a few hurdles","synopsis":"Wallets had been given licence according to very relaxed net worth criteria, which allowed a huge flux of players to get into the market.","titleseo":"telecomnews\/rbis-mobile-wallet-interoperability-faces-a-few-hurdles","status":"ACTIVE","authors":[{"author_name":"Pratik Bhakta","author_link":"\/author\/479242111\/pratik-bhakta","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479242111.cms?width=100&height=100&hostid=268","author_additional":{"thumbsize":false,"msid":479242111,"author_name":"Pratik Bhakta","author_seo_name":"pratik-bhakta","designation":"Correspondent","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2017-03-18 16:07:02","lastupd":"2017-03-18 16:07:02","breadcrumbTags":["RBI","reserve bank of india","Mobile wallet","Digital Payments","Unified payments interface"],"secinfo":{"seolocation":"telecomnews\/rbis-mobile-wallet-interoperability-faces-a-few-hurdles"}}" data-news_link="//www.iser-br.com/news/rbis-mobile-wallet-interoperability-faces-a-few-hurdles/57702866">

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印度的移动钱包的互操作性面临着一些障碍

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