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Business / Finance

Kommersant: Biometrics on vacation

Banki.ru: monitoring of the banking press 09.01.2019 at 07:40

Banking and financial news on the website Banki.ru

By 31 December 2018, at the request of the Bank of Russia, all credit institutions had to provide the collection of biometric data in 20% of their offices. However, according to "Kommersant", this time even among banks from the first twenty that was not all. Thus, the Central Bank has reason to write prescriptions. However, experts believe that sanctions would be "targeted," and to banks, with other claims from the regulator.

According to the information of JSC "Rostelecom" and Bank of Russia as at 31 December 2018, not all banks provided the collection of biometric data of customers 20% of the branches. In particular, the data published on the website of the Central Bank, indicate that only four credit institutions (Sberbank, Gazprombank, and ROSBANK Sovcombank) of the top 20 by assets met the requirement. Sberbank, according to information on the website of the Bank, collects biometrics 2.7 thousand from more than 16 thousand units. The others either collect biometrics in fewer offices, or not started.

the Collection of biometric data started in the banks in July 2018. The source this happened in 400 offices in 140 cities by the end of the year, banks had to provide the collection of biometric data in 20% of their offices, according to the estimates of the first Deputy Chairman of the Central Bank Olga Skorobogatova, as of January 1, according to the plans of the Central Bank biometrics were collected in 4 thousand banks.

However, as reported by Kommersant's interlocutor in "Rostelecom" familiar with the situation, many banks are connected to the collection of biometrics only in the last days of 2018, so the information on them is not physically have time to update. For example, Alfa-Bank on the launch of the collection of biometrics in 99 offices announced only on December 28. Raiffeisenbank, which is on the website of the Central Bank one branch, said in response to the request "b" on the collection of information in the 49 offices. In Bank "URALSIB" has assured that the collection of biometrics kicks off on January 9 in 58 offices.

the Other players from the top 20 are going to achieve the required performance much later. In particular, the PSB stated that the collection of biometrics in 70 offices (which will provide the required 20%) will begin by the end of January. VTB collection while there is only two branches, "20% of the branches will be equipped with this technology in the near future." About running in the right number of branches in the "near future" or in January, also told "Kommersant" in ICD, "FC Opening", UniCredit Bank. In other major banks did not specify the date of the execution of requirements about the collection of biometrics in 20% of the branches or did not respond to a request "b".

the Bankers have repeatedly warned the regulator about the difficulties of the introduction of biometrics. Problem was the extraordinary high cost of equipment (4 million rubles for connection to the system of one office plus a minimum of 130 thousand rubles for each additional branch). In addition, in the late autumn was not until the end of the defined requirements of information security in the collection of biometrics (see "Kommersant" on November 29, 2018). Banks do not have time and timing with public procurement (see "Kommersant" on October 10, 2018). Market participants, including bankers ' Association in a formal appeal to the regulator offered a variety of solutions, including ensuring the collection of biometric data is voluntary. The Bank of Russia monitored the readiness of the market to meet the requirements for the collection of biometrics (see "Kommersant" on November 12), but the decision about the postponement was not accepted. On request "b" on possible sanctions for violators of the Central Bank has not responded.

however, the bulk of sanctions on the market is not waiting. "By itself, the process of connecting banks to the Single biometric system long enough, those who have later joined the project, may not be in time for objective reasons,— said the head of the Directorate of biometric technologies Mail Bank Andrey Shurygin.— I don't think they have to fear serious sanctions from the regulator, especially if we are talking about the biggest players."

At the same time experts do not exclude that in the selection of measures of exposure to players who do not ensure the collection of biometrics, the Central Bank will proceed from the situation in each individual Bank, the more that the collection of biometrics described in the law on combating money laundering and the financing of terrorism. "If the Central Bank will consider the failure to collect biometrics as a violation of anti-money laundering legislation, it is for individual players to which the regulator has other claims, the violation can cost the license,"— said the head of AB", Cartago and partners" Eugene, Cartago.

Veronica GORYACHEV

the voice of citizens will give the authorities

Rules of the game

the Ministry of internal Affairs (MVD) and Federal security service (FSB) "in the framework of its powers to ensure the country's defense, state security, law enforcement and counter-terrorism" will be able to request a biometric personal data of citizens, stored in a single biometric system (EBS). This is stated in the government decree posted on the portal of legal information. To request the law enforcement agencies will need to provide its rationale, and to specify the account ID of individuals in a single system of identification and authentication, or an image of a human face obtained using a photo or video. In response to "Rostelecom" the operator of the EAS, will be required to submit a facial image and (or) data of the human voice, contained in EBS, within one day from the date of receipt of the request.

Svetlana SAMUSEVA