The regulator has requested all data on transfers of natural and legal persons to credit institutions.
The media have learned that Russian banks and other credit agencies have received a letter from the Central Bank, which contains a request for information on monitoring customer transfers from card to card.
In addition, the Central Bank requires to assess the risks that arise in connection with such operations and to transfer their lists by June of this year. In the latter it is mandatory to indicate information about the sender and recipient.
RIA & # 8220; News & # 8221; with reference to the text of the document, reports that the Bank of Russia also requested data on transfer control mechanisms, the amount of commissions that organizations receive for them, as well as data on the limits of transfers of funds. money.
Finally, judging by the document, the Central Bank is interested in how banks identify & # 8220; dropper & # 8221; & # 8211; legal persons and citizens through whom illegally withdrawn money has passed.
According to the agency's source, Russian financial services are discussing the idea of collecting data on beneficiaries. In the event that this initiative receives legislative support, then for the transfer, customers will only have to indicate their card number.
However, such innovation will require both changes in the parameters of payment systems and in the work of credit institutions themselves, he believes.
In turn, & # 8220; Kommersant & # 8221 ;, after reading the document, reports that the response to the request must be provided to the Central Bank by October 18. In response to a request for the publication, the Central Bank said that the purpose of the document is not to minimize such transactions (P2P transfers), which currently constitute a significant part of the payments market.
They called the study the risk management activities of banks that accompany such transfers.
The experts intend to study and identify existing best practices, and prepare recommendations for everyone as needed.
However, not all market participants positively welcomed the intention of the Bank of Russia. A number of them are willing to refuse customer service.
According to Alexander Pogudin, a member of the directors of the RNCO Payment Center, there are simply no effective methods of controlling transfers if the service is provided by a customer.
Bank & # 8230; is deprived of the possibility of assessing the risks of legalization “, & # 8211; believes the expert, adding that they have made the decision to refuse such a service.
And the head of the RTM group Evgeny Tsarev admitted that this type of transfer is indeed often used by fraudsters.
As an alternative, he called transfers through the central bank's fast payment system, which has a different architecture, and the bank can more easily monitor the funds that individuals transfer to each other.
& # 8220; In the SBP everything is more complicated in this regard, there is still a mobile bank, a device, a phone number & # 8221;, & # 8211; Tsarev said, adding that if blocked all cards will become unavailable which is not possible with P2P transfers.
However, if the SBP gains momentum and such measures enforced, then problems will appear en masse not only for fraudsters, but also for ordinary citizens.
As Topnews wrote previously, earlier the Bank of Russia expressed a scenario that a global financial crisis could occur in 2023.