[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sjm.sk\/vsetko-co-potrebujete-vediet-o-novych-platobnych-pravidlach-eu\/#Article","mainEntityOfPage":"https:\/\/www.sjm.sk\/vsetko-co-potrebujete-vediet-o-novych-platobnych-pravidlach-eu\/","headline":"V\u0161etko, \u010do potrebujete vedie\u0165 o nov\u00fdch platobn\u00fdch pravidl\u00e1ch E\u00da","name":"V\u0161etko, \u010do potrebujete vedie\u0165 o nov\u00fdch platobn\u00fdch pravidl\u00e1ch E\u00da","description":"SCA: \u010co to je a \u010do to znamen\u00e1? Smernica o platobn\u00fdch slu\u017eb\u00e1ch (PSD 2) bola prijat\u00e1 v novembri […]","datePublished":"2019-05-25","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.sjm.sk\/author\/#Person","name":"","url":"https:\/\/www.sjm.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sjm.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sjm.sk\/wp-content\/uploads\/img_a302105_w16644_t1560788172.jpg","url":"https:\/\/www.sjm.sk\/wp-content\/uploads\/img_a302105_w16644_t1560788172.jpg","height":0,"width":0},"url":"https:\/\/www.sjm.sk\/vsetko-co-potrebujete-vediet-o-novych-platobnych-pravidlach-eu\/","about":["Financie"],"wordCount":440,"articleBody":"SCA: \u010co to je a \u010do to znamen\u00e1?Smernica o platobn\u00fdch slu\u017eb\u00e1ch (PSD 2) bola prijat\u00e1 v novembri 2015. Od 14. septembra musia v\u0161etky spolo\u010dnosti v E\u00da dodr\u017eiava\u0165 smernicu. Jedn\u00fdm z aspektov smernice je siln\u00e1 autentifik\u00e1cia z\u00e1kazn\u00edka (SCA). Cie\u013eom je minimalizova\u0165 riziko podvodn\u00fdch transakci\u00ed a vo v\u0161eobecnosti zv\u00fd\u0161i\u0165 bezpe\u010dnos\u0165 online platieb. T\u00fdmto opatren\u00edm sa zmen\u00ed sp\u00f4sob, ak\u00fdm sa platby online uskuto\u010d\u0148uj\u00fa pre viac ako 300 mili\u00f3nov eur\u00f3pskych spotrebite\u013eov.Jedn\u00fdm z aspektov smernice je siln\u00e1 autentifik\u00e1cia z\u00e1kazn\u00edka. Cie\u013eom je minimalizova\u0165 riziko podvodn\u00fdch transakci\u00ed a vo v\u0161eobecnosti urobi\u0165 platby online bezpe\u010dnej\u0161\u00edmi.Eur\u00f3pski spotrebitelia bud\u00fa musie\u0165 pou\u017ei\u0165 dvojfaktorov\u00fa autentiz\u00e1ciu (2FA). V podstate bude pred dokon\u010den\u00edm transakcie potrebn\u00fd druh\u00fd faktor, napr\u00edklad heslo alebo odtla\u010dok prsta. Ak podniky elektronick\u00e9ho obchodu tieto zmeny nezaved\u00fa, banky automaticky odmietnu platby, ktor\u00e9 nesp\u013a\u0148aj\u00fa krit\u00e9ri\u00e1.V\u00fdnimkyZ opatren\u00ed vypl\u00fdvaj\u00fa aj niektor\u00e9 v\u00fdnimky. Pravidl\u00e1 sa net\u00fdkaj\u00fa opakovan\u00fdch priamych ink\u00e1s – ktor\u00e9 sa pova\u017euj\u00fa za iniciovan\u00e9 obchodn\u00edkom. Rovnako s\u00fa osloboden\u00e9 bezkontaktn\u00e9 platby a platby kartou priamo na mieste. Ak z\u00e1kazn\u00edk nakupuje od obchodn\u00edka pravidelne, m\u00f4\u017ee to by\u0165 na za\u010diatku potrebn\u00e9. Pri nasleduj\u00facich pravideln\u00fdch platb\u00e1ch v\u0161ak z\u00e1kazn\u00edk nemus\u00ed proces opakova\u0165.Potenci\u00e1lne probl\u00e9myV Eur\u00f3pe existuje 6 000 b\u00e1nk , tak\u017ee ka\u017ed\u00e1 z nich m\u00f4\u017ee dosiahnu\u0165 svoj vlastn\u00fd z\u00e1ver vo v\u00fdklade pravidiel, v\u00fdsledok pre spotrebite\u013eov a obchodn\u00edkov nemus\u00ed by\u0165 konzistentn\u00fd. M\u00f4\u017ee to vies\u0165 k tomu, \u017ee sa od spotrebite\u013ea bude vy\u017eadova\u0165, aby poskytol sekund\u00e1rnu autentifik\u00e1ciu s pou\u017eit\u00edm hlasu, rozpozn\u00e1vania tv\u00e1re, \u010d\u00edsla PIN, odtla\u010dkov prstov a in\u00fdch prostriedkov biometrickej autentifik\u00e1cie. Po\u017eiadavkou je, aby z\u00e1kazn\u00edk poskytol autentifik\u00e1ciu v duchu nie\u010doho, \u010do som, nie\u010do, \u010do m\u00e1m, alebo nie\u010do, \u010do pozn\u00e1m.“Na rie\u0161enie tejto hroziacej implement\u00e1cie regula\u010dn\u00fdch opatren\u00ed v oblasti digit\u00e1lnych platieb bude musie\u0165 platobn\u00fd sektor vybudova\u0165 spr\u00e1vne produkty na zvl\u00e1dnutie SCA.Okrem toho bude potrebn\u00e9, aby t\u00edto poskytovatelia platobn\u00fdch slu\u017eieb spolupracovali s bankami v snahe zabezpe\u010di\u0165 hladk\u00fd prechod.Vzdel\u00e1vanie online obchodn\u00edkov, pokia\u013e ide o predpisy, ktor\u00e9 sa uplat\u0148uj\u00fa, bude prvorad\u00e9. Len 25 percent online obchodn\u00edkov v s\u00fa\u010dasnosti vie o SCA a ich povinnostiach t\u00fdkaj\u00facich sa SCA. Tento nedostatok povedomia je obzvl\u00e1\u0161\u0165 ak\u00fatny, pokia\u013e ide o men\u0161ie podniky elektronick\u00e9ho obchodovania.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u0161etko, \u010do potrebujete vedie\u0165 o nov\u00fdch platobn\u00fdch pravidl\u00e1ch E\u00da","item":"https:\/\/www.sjm.sk\/vsetko-co-potrebujete-vediet-o-novych-platobnych-pravidlach-eu\/#breadcrumbitem"}]}]