The National Council of the Financial Market has asked the Ministry of Digital Development and the Bank of Russia to rewrite Anti-Fraud 3.0, while protecting customers from fraudsters is being discussed in the form of a bill. The lawsuits affect the entire journey of a new customer: the opportunity to study his needs, the cost of communicating with him and the right to issue a card remotely. The chairman of the NSFR Andrey Emelin disagrees with the closed list of purposes for processing personal data. If the desired goal is not included in the law, a person's consent alone will not suffice. A product that requires such use of information will need to be retained until the list is changed. Section 6 of the current law reserves certain grounds for processing, including performance of a contract. The other use of the data, on which targeted proposals are growing, is the one that risks reaching the legislative turn. It is useful for the bank to more accurately estimate the repayment of the loan and offer it to a person who is able to pay. A mistake in choosing a borrower takes away income, and pointless advertising increases costs. The NSFR suggests listing prohibited cases of processing, and leaving the rest to the citizen's decision. Bankers are looking for the ability to change offers faster than the law. The customer's right to consent has become the line of defense for the bank's profits. The following invoice will be issued by telecom operators. The Digital Development Office explains the refusal of SMS aggregators in mailing transparency. Banks will have to negotiate with operators directly or buy aggregation from their operator. Timur Itov, chairman of the Commission for Financial Security of the Chamber of Commerce and Industry, estimates the discount of the aggregator at 1-2 rubles per message. For a bank with 10 million SMS per month, its loss means 10-20 million rubles in additional expenses per month, or 120-240 million per year with the same mailing volume. The aggregator adds small orders to the volume you can bargain with. After its removal, a large bank is still able to offer the operator its own mass order. Small will have to pay for connection and bargain without the volume that the broker previously collected.

The National Council of the Financial Market has asked the Ministry of Digital Development and the Bank of Russia to rewrite Anti-Fraud 3.0, while protecting customers from fraudsters is being discussed in the form of a bill. The lawsuits affect the entire journey of a new customer: the opportunity to study his needs, the cost of communicating with him and the right to issue a card remotely. The chairman of the NSFR Andrey Emelin disagrees with the closed list of purposes for processing personal data. If the desired goal is not included in the law, a person's consent alone will not suffice. A product that requires such use of information will need to be retained until the list is changed. Section 6 of the current law reserves certain grounds for processing, including performance of a contract. The other use of the data, on which targeted proposals are growing, is the one that risks reaching the legislative turn. It is useful for the bank to more accurately estimate the repayment of the loan and offer it to a person who is able to pay. A mistake in choosing a borrower takes away income, and pointless advertising increases costs. The NSFR suggests listing prohibited cases of processing, and leaving the rest to the citizen's decision. Bankers are looking for the ability to change offers faster than the law. The customer's right to consent has become the line of defense for the bank's profits. The following invoice will be issued by telecom operators. The Digital Development Office explains the refusal of SMS aggregators in mailing transparency. Banks will have to negotiate with operators directly or buy aggregation from their operator. Timur Itov, chairman of the Commission for Financial Security of the Chamber of Commerce and Industry, estimates the discount of the aggregator at 1-2 rubles per message. For a bank with 10 million SMS per month, its loss means 10-20 million rubles in additional expenses per month, or 120-240 million per year with the same mailing volume. The aggregator adds small orders to the volume you can bargain with. After its removal, a large bank is still able to offer the operator its own mass order. Small will have to pay for connection and bargain without the volume that the broker previously collected.