BankID с чистого листа: НБУ пытается перезапустить стагнирующий проект

Нацбанк усовершенствовал систему BankID, которая позволит банкам дистанционно идентифицировать физлиц. Это упростит переход клиентов между банками и небанковскими учреждениями, которые начнут предоставлять услуги украинцам без их личного присутствия. Правда, пока участниками BankIDНацбанка остаются всего два банка, ведь кроме технической части есть еще и проблема доверия между участниками рынка (укр.).

BankID в каждый компьютер

Национальный банк наконец-то расширил возможности использования системы BankID. Физлица, которые будут инициировать электронный запрос на дистанционную идентификацию через систему BankID, смогут получать услуги банков и других финансовых учреждений, а банки и финучреждения воспользуются BankID для идентификации и верификации клиентов.

Эта и другие нормы заработают с 5 ноября, когда вступит в силу новый регламент работы BankID. «Граждане в ближайшее время смогут дистанционно получать, кроме административных, банковские и другие услуги. Для этого нужно, чтобы банк пользователя подключился к системе BankID Нацбанка. Банки же смогут открывать счета физлицам дистанционно», – сообщил директор департамента информатизации НБУ Владимир Нагорнюк.

К концу 2017 года НБУ был готов подключить к системе сотню банков. Но сейчас к BankID НБУ подключены лишь Ощадбанк и Радабанк. «Ощадбанк являлся разработчиком системы Ощадбанк BankID и в свое время передал ее НБУ. Логично, что мы уже подключены к системе BankID НБУ», – сказал замглавы правления Ощадбанка Антон Тютюн.

В Нацбанке давно ждут, когда к системе присоединятся и другие учреждения. В начале лета в процессе тестирования и подключения находились (и, вероятно, все еще находятся) 14 банков: УкрСиббанк, Райффайзен Банк Аваль, банк «Пивденный», ПУМБ, банк «Восток», Альфа-Банк/Укрсоцбанк, Укрэксимбанк, Банк ¾, Поликомбанк, Кредобанк, ОТП Банк, Идея Банк, Сбербанк, банк «Конкорд». В этом списке не было крупнейшего банка – ПриватБанка.

Нацбанк ждал среди подключений и десять небанковских учреждений, среди которых оператор мобильной связи lifecell, сервисы онлайн-кредитования Moneyveo и Money24, страховая компания «Альфа Страхование», центр сертификации ключей Masterkey.

Вопрос техники

Исполнительный директор Независимой ассоциации банков Украины Елена Коробкова поясняет, что принятое Нацбанком постановление определяет порядок функционирования системы BankID. В нем детально описан порядок обращения для получения административных, банковских, коммерческих и других услуг, определяется порядок взаимодействия банков с системой BankID и субъектами предоставления услуг, описаны условия и порядок подключения абонентов, а также порядок взаимодействия между абонентами системы BankID. «Большинство предложений и уточнений поступило от самих банков, которые активно работали над проектом документа. Все они были учтены в финальной версии данного документа», – сказала она.

Начальник расчетно-операционного центра Банка Кредит Днепр Елена Стрехо отмечает, что система позволит клиентам пройти идентификацию в банке один раз, а в дальнейшем получать услуги и оплачивать дистанционно в режиме онлайн. Это удобнее, быстрее и экономически выгоднее, чем физическое присутствие клиента в местах обслуживания, причем для обеих сторон: получателя услуги и того, кто ее предоставляет, утверждает она. «Юридические лица и небанковские учреждения также будут иметь возможность предоставлять свои услуги дистанционно с помощью идентификации через систему BankID НБУ, что упростит процедуру получения услуг, уменьшит затраты компаний за счет автоматизации процессов и сэкономит время потребителей услуг. Такая система уже успешно используется в ряде государственных учреждений, например, в Минюсте, ГФС, Пенсионном фонде», – говорит Елена Стрехо.

Но важно помнить, что воспользоваться услугой удаленной идентификации сможет только тот, кто идентифицирован хотя бы в одном из банков Украины. Причем оба банка должны быть подключены к системе BankID НБУ, а клиент должен быть активным пользователем интернет-банкинга в первом банке, рассказывает начальник отдела развития электронного бизнеса ОТП Банка Юрий Пономаренко. «И да, от необходимости первого посещения клиентом «банковской системы» это не освобождает, однако в любом случае это огромный шаг к диджитализации самого консервативного банковского процесса», – воодушевлен Юрий Пономаренко.

Но этого мало, чтобы система BankID заработала в полную силу. «Для урегулирования упрощенной схемы взаимодействия должны быть внесены изменения в законы и нормативно-правовые акты НБУ в части легализации проведения дистанционной идентификации через систему BankID НБУ», – считает Антон Тютюн. Речь идет о статье 9 закона «О предотвращении и противодействии легализации (отмыванию) доходов, полученных преступным путем, финансированию терроризма и распространения оружия массового поражения», где зафиксирована необходимость личного присутствия клиента в банке для его идентификации.

Небыстрый рост

Несмотря на то, что еще летом 14 банков находились «в процессе подключения» к BankID, банки не торопятся с этим. «Мы планируем подключение и сейчас прорабатываем этот вопрос, в том числе детально изучаем новое постановление. Для подключения к системе BankID необходима доработка систем банка, а также создание портала, сайта, приложения, где клиент сможет инициировать процедуру удаленной идентификации», – поясняет Юрий Пономаренко. Елена Стрехо говорит, что для подключения к системе BankID банкам необходимо соответствовать ряду требований к техническим и программным средствам, в частности создать электронное хранилище сканированных копий документов клиентов и внести изменения в договорную базу.

Заместитель главы правления по розничному бизнесу ПУМБ Себастиан Рубай считает, что после пересмотра Нацбанком процедуры подключения к BankID может понадобиться три-шесть месяцев для настройки системы. «Почему? Потому что нам надо будет проанализировать, как организовать эти процессы. Простые вещи мы сделаем в период от полумесяца до трех, а о сроках по сложным, которые будут требовать разработок, даже сложно говорить», – отметил он. Директор департамента информационных технологий ПУМБ Андрей Бегунов напомнил, что ПУМБ уже интегрировался в BankID (на базе ПриватБанка). «Каких-то глобальных сдвигов в плане требований и сложных изменений не предвидится. Конечно, это не «piece of cake», чтобы «раз и сделали», но это потребует процессных изменений, которые у нас организованы в Corezoid. Поэтому я рассчитываю, что это несложно будет технологически», – сказал он.

Проект BankID, созданный вокруг ПриватБанка еще в период до его национализации, являлся альтернативным проекту BankID, который продвигают Ощадбанк и Нацбанк. Проект BankID «Привата», кроме него, поддерживали ПУМБ, банки «Пивденный», «Конкорд» и А-Банк.

Необходимость технических доработок – далеко не главное препятствие для развития BankID. Еще одним немаловажным фактором является низкий уровень доверия между участниками рынка. «Идентификация клиента и проверка его на соответствие всем требованиям НБУ – очень ответственный момент. Поэтому здесь очень важен вопрос доверия между банками. Если клиента в систему «завел», например, банк с иностранным капиталом, то это одно дело, а если речь идет о небольшом банке, где мы не уверены в качестве его внутренних процедур, то, скорее всего, мы захотим лично увидеть клиента и проверить информацию о нем», – сказали в одном из крупных банков. Банкиры не только не доверяют качеству финмониторинга друг друга, но и опасаются, что обновленная система BankID сделает для клиента безболезненной смену обслуживающего банка.

Первый замглавы НБУ Катерина Рожкова считает, что банки чересчур требовательны к рядовым клиентам-физлицам. «Банки не должны создавать дискомфорт в обслуживании обычных клиентов: учителей, врачей, инженеров, менеджеров среднего звена, людей, которые обслуживаются на зарплатных проектах. У них есть сбережения, недвижимость, работа, семья. Все это должно быть отражено в анкетах банков. И используя профессиональное суждение и статистику, банки должны определить таких людей как клиентов с низкой группой риска и не выдвигать к ним чрезмерных требований. Однако клиенты, которые хотят провести сомнительные операции, должны быть вообще лишены доступа к банку», – отмечает Екатерина Рожкова.

Вопрос фактически сводится к тому, как распознать рисковых клиентов. «Это нетрудно, если банк имеет эффективную внутреннюю систему контроля над финансовыми операциями, основанную на полученных им статистических данных за прошлые годы, информации из открытых источников, знаниях и умении банковских работников задавать клиентам правильные вопросы и оперативно реагировать на риски», – говорила ранее Катерина Рожкова.

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