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KIR – Clearing and Payments Forum / 30 November 2016

date: 2016.12.14

During the annual conference “KIR – Clearing and Payments Forum” the representatives of banking community and financial institutions once again have discussed the future of payment systems and the perspectives of the sector in Poland.

The meeting held in Copernicus Science Centre was opened by Piotr Alicki, the President of the Management Board of KIR, who greeted the guests and presented a keynote topic of the Forum: PSD2 – the EU directive that regulates payment services, he highlighted the issue of anticipated consequences expected with the introduction of the directive by the financial sector, payments market and customer safety. Piotr Alicki indicated that the implementation of new regulations is connected with significant issues that influence the functioning of banking sector, e-commerce area and mobile payments. He also emphasized that KIR actively participates in the works related to the sector’s adjustment to the challenges posed by changing environment.

In the speech entitled Payments market today. Starting point for innovations, opening the first part of the Forum, Michał Polasik, Professor of Nicolaus Copernicus University in Toruń, has discussed the situation of Polish payments market as compared to other European countries and the perspectives of its development in the near term. According to Michał Polasik, in recent years a significant change has occurred in the approach of financial institutions in Poland regarding the adoption of innovations in payments. According to the research results presented during the speech, the interest in quick implementation of modern solutions is rising on the side of the banks, even if a given new technology is not available in its final version. As the expert stated, up to year 2020 NFC payments will become a dominant form of payment in POS and some form of biometrics will appear practically in every bank channel.

The analysis of changes to be introduced by the PSD2 directive and the potential consequences for the situation of banking sector was the subject matter of the presentation of Krzysztof Korus, Ph.D.,  the Partner in dLK Legal. The presentation was entitled The bank on the PSD2 chessboard: actors, standards, technologies, time. From regulations to business decisions. According to Krzysztof Korus, in the coming years banks functioning in Poland can contend with the consequences of the directive’s implementation on the functioning of our banking-financial market. Preparing to upcoming changes in the area of new payment initiation services and the access to information about the bank account is especially difficult, because of the lack of precise legal regulations and interpretations. They will be based on Regulatory Technical Standards (RTS), the final version of which will be presented by European Banking Authority – (EBA) at the beginning of year 2017, which will come into force in October 2018 the soonest (18 months after it is adopted).

According to Dirk Haubrich, who is ‎the Head of Consumer Protection, Financial Innovation and Payments at European Banking Authority, the main point of the directive is creating the space for competition on the payments market. During his speech entitled The role of the European Banking Authority in facilitating the objectives of the PSD2, Dirk Haubrich noted that in order to give clients the maximum possible comfort in execution of transactions, ‘the new players’ should come to the market. These will be the so-called third party providers (TTP), who on behalf of a client will be able to gain access to his/her bank account via dedicated interface (API), that will be open to authorised external entities. Banks will be obliged to create and make available this kind of interface. An animated discussion among the participants of the Forum was triggered by the questions concerning the scope and rules, which will govern TTP’s access to a client’s account, especially with regard to the possibility of potential abuse. In this context a fundamental significance was given to the issue of the scope of responsibility on the part of a bank and the necessity to mitigate in an effective way the threats, that  may appear when the third parties are given the bank account credentials. Dirk Haubrich emphasized that in order to maintain the safety, the PDS2 introduces the strong client authentication principle.

The substantive summary of the Forum was a discussion panel held by Jacek Uryniuk, the managing editor of Among its participants were: Maciej Biniek, PayU Board Member, Grzegorz Długosz, the President of the Management Board of Polski Standard Płatności, Mieczysław Groszek, the Vice-President of Polish Bank Association (ZBP), Michał Polasik Professor of UMK in Toruń and Michał Szymański, the Vice-President of the Management Board of KIR. The discussion focused on the issues concerning the threats and opportunities for Polish payments services market resulting from the implementation of the PSD2, the role and significance of KIR as a key entity of infrastructure of Polish banking sector, as well as new phenomena that are present on the market, such as blockchain and sharing economy. It is worth noticing that - in the context of the PSD2 related challenges - the panel’s participants were consistent in depicting KIR as a supplier of useful infrastructure and operational services for banks and for other entities, both from inside and outside of payment sector, also for fin-techs. The use of KIR services will facilitate effectiveness in compliance with legal requirements and thanks to the added services it will enable achieving of additional benefits for all the parties.

The Forum was concluded with a ceremony of awarding Copernicus Medals to present and former KIR personnel, being the part of the celebration of 25th anniversary of the Polish Bank Association (ZBP). During the ceremony Krzysztof Pietraszkiewicz, the President of the Polish Bank Association (ZBP) spoke about the role of banking sector in shaping of Polish economic success and about special contribution of persons awarded with the medal for the development of the local banking sector.       

The following persons were awarded the medal:

  • Grażyna Cheetham,
  • Grzegorz Głuc,
  • Eligia Jakubas,
  • Maria Loth - Jaranowska,
  • Dariusz Marcjasz,
  • Maja Markiewicz,
  • Zygmunt Szafrański,
  • Lilla Szkop,
  • Jarosław Tymowski.


M. Polasik – Payments market today. Starting point for innovations
K. Korus – The bank on the PSD2 chessboard: actors, standards, technologies, time. From regulations to business decisions
D. Haubrich – The role of the European Banking Authority in facilitating the objectives of the PSD2

See the photos from the Forum.

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