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AGENDA track#1: BANKREG

09.00

Overview of regulations
dr Krzysztof Korus

Current and upcoming (2 years horizon) regulations

09.30-10.30

Cross border payments regulation 2019/518: equivalence of charges
dr Krzysztof Korus

- transactions subject to the principle of equivalence 
- identifying corresponding transactions
- charges subject to the principle of equivalence
- application of the equivalence principle to the charges individually negotiated in products for corporates and businesses

10.30-10.45

break

 

10.45-12.30

Cross border payments regulation 2019/518: transparency of the FX costs 
r.pr. Bartosz Wyżykowski

- card products and credit transfers subject to the principle of transparency
- calculating and presenting the mark-up over the ECB rate
- amounts and costs disclosure in the DCC services
- providing notification after each card transaction that involves currency exchange

12.30-13.30 

lunch

 

13.30-14.45

Strong authentication PSD2 & RTS:
review of solutions and gaps - online banking 
Michał Mostowik

- SCA mechanisms
- "trusted browser" as an SCA mechanism
- 90 days principle
- SCA in PIS and AIS

14.45-15.00

break

 

15.00-16.00

Strong authentication PSD2 & RTS: review of solutions and gaps - payment instruments
Michał Mostowik

- SCA mechanisms
- 3DS versions
- extension of 14.09 deadline
- exemptions

16.00-17.00

Outsourcing in the EBA and PL FSA Guidelines
Bartosz Gauza

- addressees of each of the Guidelines 
- inventory and road map: existing arrangements, changes in existing arrangements, new arrangements
- impact of the guidelines on the existing outsourcing practices

17.00

AFTEREG

Networking

track#2: FINTECHREG

09.00-09.30

Overview of regulations 
Michał Mostowik

Current and upcoming (2 years horizon) regulations

09.30-10.30

Open Banking PSD2
Michał Mostowik

- state of play in the Polish API
- dedicated interface vs MCI
- exemption from the fallback interface
- access mechanisms
- user authentication
- architecture of the PIS and AIS service

10.30-10.45

break

 

10.45-12.30

Exemptions from payments and consumer credit legislation
dr Krzysztof Korus, adw. Dariusz Gradzi

- notification of the limited network instruments: wallets, balances, apps
- regulatory position of marketplaces and platforms within PSD2's exemptions
- issuing credit cards by lending institutions
- small payment instituion as a member of a card scheme

12.30-13.30 

lunch

 

13.30-14.45

Small payment institutions: licensing and supervision
adw. Szymon Zych

- scope of documents and information accompanying the application 
- scope od documents and compliance solutions indispensible for launching SPI's operations
- SPI reporting
- PL FSA's supervisory practice and methodology vis a vis SPIs
- account and instruments provided by the SPIs vs interface and SCA requirements of the PSD2

14.45-15.00

break

 

15.00-16.00

Authorized payment institutions: licensing 
adw. Szymon Zych

- extension of the existing API license by the AIS/PIS services, including operating a payment account by the PISP for the payee
- insurance / guarantee
- AML in the AIS and PIS
- PL FSA's practices vis a vis licensing applications and proceedings
- PL FSA's practices vis a vis breaches of compliance by the APIs resulting in withdrawal of the licesne

16.00-17.00

Conduct of business and supervision of the authorized payment institutions
adw. Szymon Zych

- delimitation of outsourcing vs providing payment services through an agent
- daily compliance with regulation 2015/847 concerning information accompanying electronic transfers of funds
- opening accunts in the credit institutions

17.00

AFTEREG

Networking