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国际资讯监管与政策

波兰金管局要求FCA加大对数字银行Revolut监管力度

就在上周,数字银行Revolut平台出现故障。处理Revolut交易的公司的IT系统出现几个小时的故障。有些客户无法付款或提取现金,但是这些钱留在他们的账户上。 Revolut为此进行了道歉,并告知客户将很快停止使用外部公司的服务,因为它正在建立自己的交易系统。

近日,波兰金融监管局(后文简称KNF)发表声明称,鉴于Revolut波兰用户此次遭遇的损失,KNF要求英国金融行为监管局(后文简称FCA)加大对该公司的监管力度。

Revolut是一家在线金融科技平台,获FCA授权进行经营活动。根据欧盟关于服务自由的法律规定,Revolut有权在包括波兰在内的欧盟成员国国家开展业务。

KNF强调,由于许可证是在英国发行的,因此KNF无法依据相关法律或实际条例“急躁识别该企业的不正当行为,并阻止其侵犯波兰用户的利益。”

 

The Polish Financial Supervision Authority (KNF) sent out a statement to the media in which it informs that due to the events that took place on July 1, 2018, when Revolut card users experienced problems, it is asking its British counterpart to “provide and maintain increased supervision” over the company.

The document states that Revolut is an electronic money institution that is licensed to operate by the Financial Conduct Authority. “Based on EU law on the freedom to provide services and the so called single passport, Revolut Ltd. has the right to operate in other EU member states, including Poland (according to a notice received by the Financial Supervision Authority from the FCA on July 6, 2016)”, the statement says.

The regulator emphasizes the fact that because the license was issued in Great Britain, KNF has no legal or operational possibility of “identifying possible inappropriate practices or actions of such businesses early enough, which would enable them to prevent the infringement of the interests of Polish customers”.

The breakdown that affected Revolut cards took place last Sunday. The IT system of the company that processes Revolut transactions was malfunctioning for several hours. Some customers were unable to make payments or withdraw cash. However, the money was reserved on their accounts. Revolut apologized for the breakdown and informed its customers that it will soon stop using the external company's services because it is building its own transaction system.


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