Date: 3 months ago   Category: Economy

The NBU considers instant payments new threat to cash cards


Introduction in Ukraine of the system of instant payments can lower interest in transfer of means between payment cards.

it was declared by the deputy director of department of payment service providers and innovative development of the National Bank of Ukraine (NBU) Natalia Lapko, Interfax Ukraine reports. "Now we pass

to ISO 20022 which is a basis for instant payments, and to the IBAN standard (from international bank account number) allowing to specify one requisite as it is specified around the world [...] We to it go, ahead - there are a lot of changes, and the card which is the payment tool now can soon become not such progressive tool, transfer from the account into the account can survive it", - she told.

Lapko noted that ISO 20022 assumes an opportunity to monitor passing of payment at each its stage. we Will remind

that the NBU at the end of 2016 started the project on transfer of the Ukrainian payment infrastructure to this international standard. According to the project plan, final transition is planned for October, 2019.

Besides, the NBU together with Independent association of banks of Ukraine in May of the 2018th started an operating time of joint approaches on implementation of basic provisions of the international ISO standards 13616 by the Ukrainian banks (International bank account number, IBAN) and ISO 9362 (Business identifier code, BIC).

K use of IBAN will become 2020 obligatory for all clients of banks at implementation of money transfers as in national, and foreign currencies.

according to National Bank, a share of non-cash payments for the first half of the year 2018 increased on 4,5 items in comparison with the same period of 2017 - up to 43,8%, by quantity - on 2,7 items, up to 77,4%.

of All since the beginning of year is carried out by 1,4 billion non-cash operations on the Internet with use of mobile banking and also the e-commerce system (a gain to the first half of the year 2017 - 34,9%) on 572,5 billion UAH (64,5%).

the Lion's share in a total amount of non-cash payments made operations on the Internet of 36,4% (in number of operations - 38,6%), another 29,9% (51,7%) - operations in retail chain stores, 31,1% (7,9%) - operations on money transfer between cards and 2,6% (1,9%) of operation with use of devices of self-service.

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