{"id":8668,"date":"2016-01-04T11:10:17","date_gmt":"2016-01-04T10:10:17","guid":{"rendered":"http:\/\/www.solucominsight.fr\/?p=8668"},"modified":"2019-12-31T10:27:52","modified_gmt":"2019-12-31T09:27:52","slug":"la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence","status":"publish","type":"post","link":"https:\/\/www.riskinsight-wavestone.com\/en\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/","title":{"rendered":"La DSP2 : une directive sur les services de paiements qui pr\u00f4ne la concurrence"},"content":{"rendered":"<p><em>Aujourd\u2019hui, pr\u00e8s de 15% des paiements sont r\u00e9alis\u00e9s par des acteurs non bancaires. Et le d\u00e9veloppement des <a href=\"http:\/\/bankobserver.solucom.fr\/le-developpement-des-fintech-quels-risques-pour-la-banque-de-detail\/\" target=\"_blank\" rel=\"noopener noreferrer\">Fintech<\/a>, startup alliant les aspects \u00ab\u00a0finance\u00a0\u00bb et \u00ab\u00a0technologies\u00a0\u00bb, ne devrait pas ralentir cette tendance. Ces nouveaux acteurs s\u2019attaquent aujourd\u2019hui \u00e0 l\u2019ensemble des pans m\u00e9tiers de la banque (lev\u00e9e de fonds, vente ou achat de devises, souscription \u00e0 un emprunt, services de paiement) et <a href=\"http:\/\/insights.venturescanner.com\/2015\/10\/15\/fintech-at-a-glance\/\" target=\"_blank\" rel=\"noopener noreferrer\">se d\u00e9coupent en 19 cat\u00e9gories<\/a> (selon le cabinet Venture Scanner).<br \/>\n<\/em><\/p>\n<h2>La Directive de Services des Paiements\u00a0: une premi\u00e8re initiative<\/h2>\n<p>L\u2019adoption par le Parlement Europ\u00e9en en 2007 de la Directive de Services des Paiements (DSP) et sa transposition sur le plan national en 2009 avait pour objectifs majeurs d\u2019harmoniser les services de paiements de l\u2019Union Europ\u00e9enne et de stimuler la concurrence. Mise \u00e0 part le fait qu\u2019\u00e0 partir de cette adoption, il est possible d\u2019effectuer et recevoir des paiements d\u2019Allemagne, d\u2019Espagne, du Royaume-Uni\u2026 aussi ais\u00e9ment qu\u2019en France\u00a0; un nouveau statut d\u2019\u00c9tablissement de Paiement (EP) a \u00e9t\u00e9 cr\u00e9\u00e9. Il permet \u00e0 de nouveaux acteurs autres que les banques et les \u00e9tablissements de cr\u00e9dit de fournir des services de paiement. En France, les EP sont agr\u00e9\u00e9s par l\u2019Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (ACPR).<\/p>\n<p>L\u2019h\u00e9ritage de cette premi\u00e8re version concernait 3 types de Fintech\u00a0: celles proposant des op\u00e9rations de paiements associ\u00e9s \u00e0 un compte <em>(<\/em>ex\u00a0:<em> Slimpay <\/em>qui permet de g\u00e9n\u00e9rer des mandats de pr\u00e9l\u00e8vements \u00e9lectroniques<em>)<\/em>, les transferts de fonds et les \u00e9missions d\u2019instruments de paiement <em>(<\/em>ex\u00a0: <a href=\"http:\/\/www.solucominsight.fr\/2015\/08\/democratisation-des-nouveaux-moyens-de-paiements-la-securite-au-coeur-des-enjeux\/\" target=\"_blank\" rel=\"noopener noreferrer\">portefeuille \u00e9lectronique<\/a><em>)<\/em>. Les plateformes de financement <em>(crowdfunding)<\/em> qui ne fournissent pas de services de paiement n\u2019entrent pas dans le champ d\u2019application de la DSP1. Elles sont par ailleurs r\u00e9glement\u00e9es par l\u2019ordonnance du 30 mai 2014 en tant que service de financement. Celles qui per\u00e7oivent des fonds b\u00e9n\u00e9ficient jusqu\u2019\u00e0 pr\u00e9sent d\u2019une d\u00e9rogation, du fait que le montant total de leurs op\u00e9rations de paiement soit inf\u00e9rieur \u00e0 3 000 000 \u20ac sur un mois (article 26 de la DSP1).<\/p>\n<h2>De nouveaux types d\u2019acteurs, un nouveau cadre r\u00e9glementaire<\/h2>\n<p>Le d\u00e9veloppement des <em>Fintech<\/em> a fait appara\u00eetre de nouveaux services de paiements depuis la DSP1\u00a0: les <strong>services d\u2019information sur les comptes<\/strong> <em>(<\/em>ex\u00a0: agr\u00e9gateur de donn\u00e9es<em> Bankin\u2019)<\/em> et <strong>les services d\u2019initiation de paiement <\/strong><em>(<\/em>ex\u00a0:<em> Sofort)<\/em><strong>, autrement appel\u00e9s les tiers de paiement<\/strong> (<em>Third Party Providers<\/em> ou TPP). Ces nouveaux acteurs, se connectant aux banques des utilisateurs via leur login\/mot de passe bancaire, ne sont pas pris en compte par la DSP1 et engendrent de nouveaux risques (donn\u00e9es n\u2019\u00e9tant plus sous la protection du secret bancaire, probl\u00e9matique li\u00e9e aux responsabilit\u00e9s en cas de fraude, etc.).<\/p>\n<p>La DSP2 (adopt\u00e9e par le Parlement Europ\u00e9en le 8 octobre 2015 et qui devrait \u00eatre transpos\u00e9e dans le droit national fin 2017) stimule toujours la concurrence tout en fournissant un nouveau cadre r\u00e9glementaire ad\u00e9quat entre les TPP et les banques. Concernant la DSP1, les contr\u00f4les sont effectu\u00e9s par l\u2019ACPR, la CNIL et la DGCCRF et les sanctions peuvent aller jusqu\u2019au retrait d\u2019agr\u00e9ment de l\u2019\u00c9tablissement de Paiement (EP). La nouvelle version de la Directive laisse aux \u00c9tats membres la charge de d\u00e9finir le r\u00e9gime de sanctions \u00e0 appliquer en cas de son non-respect, sanctions qui ne sont donc pour l\u2019instant pas connues.<\/p>\n<p>Extrait de l\u2019article 103 de la Directive\u00a0: \u00ab\u00a0<strong><em>Les \u00c9tats membres d\u00e9terminent le r\u00e9gime de sanctions applicables<\/em><\/strong><em> en cas d&#8217;infraction aux dispositions de droit national visant \u00e0 transposer la pr\u00e9sente directive et prennent toutes les mesures n\u00e9cessaires pour en assurer l&#8217;application. Ces sanctions sont effectives, proportionn\u00e9es et dissuasives\u00a0\u00bb.<\/em><\/p>\n<h2>Une obligation pour les banques\u00a0qui ouvre de nouvelles opportunit\u00e9s\u00a0: la coop\u00e9tition<\/h2>\n<p>La DSP2 impose aux banques de transmettre de fa\u00e7on s\u00e9curis\u00e9e les donn\u00e9es seulement n\u00e9cessaires \u00e0 l\u2019activit\u00e9 des TPP et de rembourser le payeur en cas d\u2019incident de paiement dans un d\u00e9lai de 1 jour (except\u00e9 si la responsabilit\u00e9 du TPP est engag\u00e9e dans un incident de paiement, auquel cas, il doit lui-m\u00eame rembourser imm\u00e9diatement la banque). Pour autant, la directive ne pr\u00e9cise pas les exigences techniques de s\u00e9curit\u00e9 auxquelles devront se soumettre les banques et les TPP. Le contenu des <em>guidelines<\/em> de l\u2019Autorit\u00e9 Bancaire Europ\u00e9enne (pr\u00e9vus pour fin 2016) sera d\u00e9terminant : les normes techniques devront prendre en consid\u00e9ration l\u2019\u00e9ventail des risques inh\u00e9rents aux nouveaux services de paiement.<\/p>\n<p>Cette obligation peut \u00eatre vue comme une opportunit\u00e9 pour les banques de d\u00e9velopper des Open API. L\u2019Open API est une interface de programmation qui permet \u00e0 des tiers d\u2019acc\u00e9der \u00e0 des ressources internes. Cet acc\u00e8s n\u2019est pas forc\u00e9ment autoris\u00e9 en lecture et en \u00e9criture \u00e0 l\u2019int\u00e9gralit\u00e9 des donn\u00e9es. La plupart du temps, il est limit\u00e9 et n\u00e9cessite l\u2019accord de l\u2019utilisateur.<\/p>\n<p>Les banques peuvent utiliser et promouvoir ces m\u00e9canismes afin de renforcer leur comp\u00e9titivit\u00e9, leur image de marque et proposer de nouveaux services plus rapidement en offrant la possibilit\u00e9 aux d\u00e9veloppeurs externes de cr\u00e9er de nouvelles applications \u00e0 partir de l\u2019Open API et en les r\u00e9mun\u00e9rant en \u00e9change. Ce mouvement est essentiel pour que les banques gardent la main sur l\u2019innovation et les nouveaux services pour continuer \u00e0 se diff\u00e9rencier. Certaines banques ont d\u00e9j\u00e0 initi\u00e9 une d\u00e9marche proactive et innovante en mettant en place un Open API soit ouvert au public (<em>CA Store, Fidor Bank<\/em>) soit restreint \u00e0 des partenaires (<em>Bradesco, Garanti<\/em>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aujourd\u2019hui, pr\u00e8s de 15% des paiements sont r\u00e9alis\u00e9s par des acteurs non bancaires. Et le d\u00e9veloppement des Fintech, startup alliant les aspects \u00ab\u00a0finance\u00a0\u00bb et \u00ab\u00a0technologies\u00a0\u00bb, ne devrait pas ralentir cette tendance. Ces nouveaux acteurs s\u2019attaquent aujourd\u2019hui \u00e0 l\u2019ensemble des pans&#8230;<\/p>\n","protected":false},"author":251,"featured_media":8671,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-templates\/tmpl-one.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3229,36],"tags":[533,3307,2619,78],"coauthors":[1561],"class_list":["post-8668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cyber-for-financial-services","category-cybersecurity-digital-trust","tag-banque","tag-financial-services-cyber","tag-paiement","tag-reglementation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La DSP2 : une directive sur les services de paiements qui pr\u00f4ne la concurrence - RiskInsight<\/title>\n<meta name=\"description\" content=\"La DSP2 impose aux banques de transmettre de fa\u00e7on s\u00e9curis\u00e9e les donn\u00e9es seulement n\u00e9cessaires \u00e0 l\u2019activit\u00e9 des TPP et de rembourser le payeur en cas d\u2019incident de paiement dans un d\u00e9lai de 1 jour (except\u00e9 si la responsabilit\u00e9 du TPP est engag\u00e9e dans un incident de paiement, auquel cas, il doit lui-m\u00eame rembourser imm\u00e9diatement la banque).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.riskinsight-wavestone.com\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La DSP2 : une directive sur les services de paiements qui pr\u00f4ne la concurrence - RiskInsight\" \/>\n<meta property=\"og:description\" content=\"La DSP2 impose aux banques de transmettre de fa\u00e7on s\u00e9curis\u00e9e les donn\u00e9es seulement n\u00e9cessaires \u00e0 l\u2019activit\u00e9 des TPP et de rembourser le payeur en cas d\u2019incident de paiement dans un d\u00e9lai de 1 jour (except\u00e9 si la responsabilit\u00e9 du TPP est engag\u00e9e dans un incident de paiement, auquel cas, il doit lui-m\u00eame rembourser imm\u00e9diatement la banque).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.riskinsight-wavestone.com\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/\" \/>\n<meta property=\"og:site_name\" content=\"RiskInsight\" \/>\n<meta property=\"article:published_time\" content=\"2016-01-04T10:10:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-12-31T09:27:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.riskinsight-wavestone.com\/wp-content\/uploads\/2016\/01\/Fotolia_84300427_Subscription_Monthly_M.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1541\" \/>\n\t<meta property=\"og:image:height\" content=\"1233\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Florian Feuillard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Florian Feuillard\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/\"},\"author\":{\"name\":\"Florian Feuillard\",\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/en\/#\/schema\/person\/40a7b7d4f357e6265661954f4a7fcf34\"},\"headline\":\"La DSP2 : une directive sur les services de paiements qui pr\u00f4ne la concurrence\",\"datePublished\":\"2016-01-04T10:10:17+00:00\",\"dateModified\":\"2019-12-31T09:27:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/\"},\"wordCount\":956,\"publisher\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.riskinsight-wavestone.com\/2016\/01\/la-dsp2-une-directive-sur-les-services-de-paiements-qui-prone-la-concurrence\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.riskinsight-wavestone.com\/wp-content\/uploads\/2016\/01\/Fotolia_84300427_Subscription_Monthly_M.jpg\",\"keywords\":[\"Banque\",\"financial services cyber\",\"paiement\",\"R\u00e8glementation\"],\"articleSection\":[\"Cyber for Financial Services\",\"Cybersecurity &amp; 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