最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

泰国央行计划于明年推出金融科技监管沙盒

昨日,泰国金融机构应用部门高级总监Vireka Suntapuntu在发布会上表示,泰国央行正在就监管沙盒展开在线公共听证会。该听证会一直持续到10月15日宣布沙盒计划推出之前,商业银行将会成为第一批被允许在明年第一季度加入计划的组别。

她同时表示,拥有金融科技开发部门的非金融机构可以在第二季度申请进入沙盒。

监管沙盒适用于拥有充足资本和人力资源的银行、非金融机开发者和科技公司,如果金融科技相关的创业公司如果想要加入沙盒,需要加入金融机构或者Fintech Club的孵化器项目。该监管沙盒的实验周期大约持续6到12个月。

她解释称,想要加入央行金融科技沙盒的企业需要有创新借贷、支付和转账服务或产品,同时这些产品和服务必须只在泰国开展。

她表示,监管沙盒将确保泰国银行、其余银行和其他金融科技运营者共享信息并理解相关监管政策。同时,如果实验中发现某些监管削弱了科技金融和银行的竞争力,泰国银行将会放松这些监管。

同时她强调,沙盒将会帮助银行和非银行科技金融公司理解如何在监管下发展产品和服务,以此让它们更快从泰国银行获取执照。

Vireka表示,为了保护客户权利,银行和其他金融科技运营者需要对它们的创新电子产品和服务进行适当的测试。如果消费因为使用他们的产品和服务而蒙受了损失,其必须进行赔偿。

除此以外,所有参与的银行和科技金融机构必须通知他们的客户他们参与了监管沙盒进程。

Vireka表示,如果沙盒中的产品和服务可以为客户带来带来便利、安全和有效保护,中央银行将会考虑调整KYC规则(知道你的客户),从而促进这些产品和服务的使用。

所有想要申请储蓄账户的客户仍然需要身份验证,但是如果创新金融科技产品供应商可以证明他们的客户非常安全且受到保护,通过自拍或者声音开启和认证在线账户的客户身份将被允许。

除此以外,移动银行解决方案将会允许在移动应用上进行ATM预提款、并通过ATM屏幕的条形码完成交易的过程。她同时表示,该技术在泰国将会和其他国家一样将获得允许。

Vireka Suntapuntu, senior director of the Financial Institution Applications Department, said at a press briefing yesterday that the central bank was holding an online public hearing via its website about the regulatory sandbox until October 15, before announcing the opening up of the sandbox to commercial banks as the first group that would be allowed to join the scheme in the first quarter of next year.

Non-bank financial institutions with fintech developments will be able to apply for the sandbox in the second quarter, she said.

The regulatory sandbox is suitable for banks, non-bank fintech developers and technology firms that have sufficient capital and human resources, while start-ups who are fintech beginners should join the incubator programmes offered by financial institutions or the Fintech Club before joining the sandbox.

The experimental period under the regulatory sandbox will be around six months to 12 months.

Businesses wishing to join the central bank's fintech sandbox must have innovative lending, payment and money-transfer services and products, and these products and services must only be offered within Thailand, she explained.

The regulatory sandbox will ensure that the Bank of Thailand, banks and other fintech operators share information and understanding in regard to the regulations, she said, adding that the BOT would ease some regulations if the experiment found them to be barriers to the competitiveness of fintechs and banks.

Meanwhile, the sandbox will help banks and non-bank fintech businesses understand how to develop products and services that comply with the regulations, thus enabling them to quickly receive licences form the BOT, she stressed.

Consumer rights protection in this area requires that banks and other fintech operators undertake appropriate testing of their innovative digital products and services, and must pay compensation to customers in they are damaged as a result of using their products and services, Vireka said.

Moreover, all participating banks and fintech businesses have to inform their customers that they are in the regulatory-sandbox process.

If the products and services from the sandbox can facilitate convenience, safety and protection for consumers, the central bank might consider adjusting the KYC (know your customer) rules to facilitate the use of those products and services, the senior director said.

Customers who intend to open a deposit account would still be required show their identity, but if the providers of innovative fintech products could prove that their customers were safe and protected, opening an account online by taking a selfie or using voice to confirm identity might be allowed, she said.

Moreover, mobile-banking solutions that allow consumers to pre-stage ATM usage via a mobile application, and complete the transaction by using a barcode on the ATM screen, might also be permitted in Thailand - as in some other countries - she added.


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