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印度央行:消费者支付数据必须储存在印度境内

国际资讯监管与政策

印度央行:消费者支付数据必须储存在印度境内

据英国路透社报道,印度央行要求消费者的支付数据必须储存在本国境内,立场非常坚定。

路透社还表示,这可能会产生连锁反应,导致数据对外屏蔽,形成封锁墙。

就像上文讲的,印度储备银行(RBI,即印度央行)规定支付数据必须储存在印度境内,好处在于更方便监测、检查和访问数据。

万事达(Mastercard)、Visa、美国运通(American Express)等银行卡巨头都在采取各种方法游说印度央行,希望其回心转意,却遭到了回绝。三家公司都表示,要想在印度成立数据中心并保证其持续运营,需要花费数百万美元的成本。

匿名人士向路透社透露:"反对基本无望,我们只能服从其规定。"美国方面的消息也说,他们的努力遭到了阻挠,但是印度应当允许各企业将上述信息备份储存。目前,印度正不断发力,鼓励发展数字支付,希望减少现金的使用。

万事达表示,他们会与印度央行合作,了解对方的具体要求,并尽快找到有效的解决途径。另外两家公司拒绝发表任何评论。之前,Visa公司CEO Alfred Kelly曾表示,6个月时间太少,很难达到印度官方的要求。

印度的做法其实并非史无前例。去年,中国就推出过类似规定,要求企业将相关数据储存在中国境内。而路透社表示,这几家银行卡公司并没有在中国设立机构。

Reuters reports that India’s central bank is “standing firm” on a push to keep payments-related consumer data within the country’s borders.

On the other side of the equation? Companies based in the United States that contend the directive would be costly, were they to comply — costly to the tune of millions of dollars.

The newswire stated the mandate in India may have a ripple effect and may push the needle toward a similar walling in of data.

As noted, the Reserve Bank of India (RBI) has a directive in place that says payments-related data needs to be stored only within India’s borders, as such actions allow for “better monitoring” of data and means data is in proximity that allows for “unfettered supervisory access.”

Card giants, including Mastercard, Visa and American Express, are lobbying to soften those requirements. The appeals have been rebuffed by the central bank, which said the compliance is mandatory. That trio of U.S. companies has said millions of dollars will have to be spent in the region in order to get local data centers up and running.

An unnamed source told Reuters “there is a feeling of helplessness, and we will have to comply.” U.S. sources also stated efforts to cut down on fraud would be stymied and that they should be allowed to maintain backups of that aforementioned data — located outside India. The moves come as India increasingly is showing traction in efforts to move beyond cash toward plastic and digital means of moving money.

Mastercard said it would work with the central bank to “to understand their need for access to domestic data and work towards a solution that meets the regulatory requirements.” The other card peers declined comment. In the past, Visa CEO Alfred Kelly stated the six-month compliance timeframe was “tough.”

The move is not without precedent, as China had also put forth regulations last year mandating that firms must bring their data and store it within that country too, though Reuters pointed out that the card companies do not have operations in the domestic market there.


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