Skladnost s kartično shemo postaja težja kot kdaj koli prej – evo zakaj! (Fatemeh Nikayin)

Ohranjanje skladnosti je ključnega pomena za zmožnost katere koli finančne institucije, da nudi storitve – vendar mora biti to uravnoteženo z naložbami v inovativne zmogljivosti, ki omogočajo izboljšanje storitev, širitev trga in izboljšanje storitev za stranke. 

To ravnovesje je v tem delu sveta še posebej zahtevno: po
Lexis Nexis, so stroški ohranjanja skladnosti najvišji v Združenem kraljestvu in Evropi, v povprečju trikrat višji kot v Severni Ameriki in APAC ter do sedemkrat višji kot v LATAM. 

One aspect of compliance for financial institutions is card scheme compliance, which involves compliance with license rules (scheme rules and regulations) of international payment networks (e.g. Mastercard, Visa). Card scheme compliance includes several
sides, such as reviewing the impacts of changing technical requirements on different systems, keeping an overview of new business rules, managing scheme fees and interchange rates, etc. These changing compliance rules are typically communicated weekly to licensees
in a “bulletin” format. 

Yet the number of bulletins published by payment networks is becoming more frequent, complex, and hard to stay on top of – for example, Visa and Mastercard alone issued approximately 25 per cent more bulletins in the first six months of this year compared
to the same period last year. 

This rising volume of rule changes and requirements has added to the workload of teams processing such publications at the banks. As this process is handled manually, the increase in workload can come at the expense of overlooking compliance requirements,
missing deadlines or failing to keep an updated overview of the scheme compliance status. 

Scheme compliance entails a critical responsibility: to avoid non-compliance leading to interoperability issues, non-compliance assessments, and financial losses due to not optimal interchange or scheme fees. In dire cases – overlooking compliance requirements
can cause fines and lead to a loss of the scheme licence for a bank.

Čeprav je skladnost ključen proces, je današnji pristop pogosto neučinkovit, dolgotrajen in bistvene zahteve zlahka spregledamo. 

Prvič, to je večinoma ročni postopek. Večina vodij shem za skladnost porabi večino svojega časa za sporočanje novih pravil in zahtev različnim oddelkom po e-pošti in nato lovljenje vsakega posameznika, da zbere povratne informacije o statusu skladnosti.

This highly manual process means a high risk of missing some requirements, information or deadlines. In some cases, this might result in discovering unexpected surprises in scheme fees and in other cases, this can cause a compliance overlook resulting in
hefty fines from the payment schemes.

Ročna narava naloge pomeni tudi, da je priprava celovitega pregleda skladnosti zelo zahtevna naloga, ki zahteva stalno posodabljanje in vzdrževanje pregleda. 

Many smaller banks do not have a dedicated scheme compliance manager to take care of the process. Subsequently, it’s either being taken care of by roles such as product manager or project manager. The lack of expertise in such a domain increases the risk
of non-compliance and related fines even more.

Obstaja velik potencial za izboljšanje tega procesa v dobi digitalizacije in pridobitev nadzora nad skladnostjo sheme z minimalnimi napori. Banke morajo le sprejeti potrebne korake, da ukrepajo – preden bo prepozno.