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

印度央行要求数据本地化,WhatsApp踩线完成

WhatsApp在印度测试手机支付,已经有一段日子。最近因应印度政府的政策,自行建立数据储存系统。

10月15日为限要在印度储存数据

印度央行在4月发布了新的政策,打乱一众海外手机支付系统的阵脚。该行表示所有支付系统,要在6个月内将所有数据储存在印度境内,而系统要让印度监管机构「无障碍」进入调查,限期是10月15日。

WhatsApp声明指出:「为了回应印度的通知,我们建立了一个系统,在当地储存支付相关的数据。」

影响大量外国公司支持的手机支付公司

当地传媒报道,WhatsApp今年初在印度试行手机支付,但由于虚假讯息及审查问题,正式版一直推迟面世。而路透社亦指出,由于当地没有明确的数据存款规定,WhatsApp亦押后推出银行间转帐的服务。

不少在印度推出的手机支付程式,都有外国技术支缓,部份数据亦储存在国外,受影响的企业还包括有软银及阿里巴巴支持的Paytm。

有企业仍在找办法巨企要求押后落实

消息人士向《路透》表示,不少企业正急切找办法,有企业提出设立镜像,在海外储存的同时在印度亦有副本,认为这样会较容易满足法规。

《路透》引述消息人士称,WhatsApp母公司Fcaebook以及Mastercard、Visa、PayPal、Google和Amazon上星期与印度财长Arun Jaitley会面,要求押后落实日期。

WhatsApp has built a system to store payment-related data in India, in line with a central bank directive that all such data must only be stored locally, as the Facebook-owned messenger looks to deepen its offerings in its biggest market by users.

Facebook’s messaging firm, which has a user base of more than 200 million in India, has been trying to break into the country’s payments space. Its move to comply with storage norms could potentially threaten entrenched players such as SoftBank and Alibaba-backed Paytm.

Foreign payment companies were caught off guard in April by the Reserve Bank of India’s (RBI’s) one-page directive that said all payments data should, within six months, be stored only in the country for “unfettered supervisory access”.

“In response to India’s payments data circular, we’ve built a system that stores payments-related data locally in India,” WhatsApp said in an emailed statement.

The Menlo Park, Calif.-based firm began testing payments in India with 1 million users earlier this year.

But a formal roll out has been delayed amid false messages circulating on the platform that have led to mob lynchings and more government scrutiny, according to local media.

Reuters has previously reported that a lack of clarity about local data storage norms has also delayed a formal launch of WhatsApp’s inter-bank money transfer service.

Its compliance with data storage comes at a time when, according to sources, several other global payments firms are seeking extensions on the Oct. 15 data localization deadline.

Some are asking for data mirroring that would allow data storage overseas along with a copy in India, as this would be easier to comply with, multiple sources have told Reuters.

Mastercard, Visa, PayPal, Google, Amazon and Facebook met Indian Finance Minister Arun Jaitley last week to secure an extension of the deadline for local storage of payments data, a source said.

Google, PayPal and Facebook declined comment, while Mastercard, Visa and Amazon did not immediately respond to a request for comment. The RBI did not have an immediate comment.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

印度央行发布新规,电子钱包也可以跨钱包转账了

moneycontr... 1天前

那些金融科技带给物联网的经验之谈

渺渺 1天前

印度:持有未经政府批准的加密货币或被定为非法

Mark Emem | 巴比特资讯 10-19

拿下当地非银金融牌照,小米即将进军印度网贷市场

Harsh Upad... | 移动支付网 10-18

分割化数据隐私监管可能会阻止金融科技的发展

高旭 10-15

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1