• ioanadumitru

Smart Open Banking - the Podcast Series

Updated: Mar 29


📻 Smart Fintech opens the podcast series Smart Open Banking with the 1st Episode - Strong Customer Authentication (SCA). The talks are in Romanian.



Find out what is SCA ✅ , what changes it brought for both retailers and consumers of online payments ✅, how did the banks prepared to be compliant with the PSD2 regulations ✅, what are the SCA exemptions ✅ or what other innovative alternative payment solutions for online payments emerged in Romania ✅ .

🎙️Engaging in this discussion: Mihaela Georgescu (Co-Founder Smart Fintech), Cristian Barbu (Managing Partner ITSS) si Ioana Dumitru (Marketing&Brand Development).


🎧 The 1st Episode is available on: Anchor, Spotify, Google Podcasts or Youtube.


Listen the Podcast here:




 


📻 The 2nd Episode from Smart Open Banking podcast series is live now. It focuses on the Authorisation of Smart Fintech as the first open banking Third Party Provider (TPP) in Romania, with SmartPay as it's Payment Initiation Service (PIS). The authorisation was obtained from the National Bank of Romania (NBR), as the regulatory authority.

The talks are in Romanian.



Find out from this episode:

✅ how to become a financial institution providing payment initiation in Romania,

✅ the steps to obtain a TPP authorisation from the NBR.


🎙️Engaging in this discussion: Mihaela Georgescu (Co-Founder Smart Fintech), Alexandru Cociu (Managing Partner ITSS) si Ioana Dumitru (Marketing&Brand Development).



🎧 The 2nd Episode is available on: Anchor, Spotify, Google Podcasts and Youtube.


Listen the Podcast here:



 

📻 The 3rd Episode from Smart Open Banking podcast series is live now. It focuses on the SmartPay product - the first Payment Initiation Service through open banking licensed by the National Bank of Romania, that can be used both as an alternative to any online payment, and as a payment accelerator (it can be integrated in any app that manages financial resources).

The talks are in Romanian.



Find out more about the product, its development, use-cases and addressability in this insightful discussion 🎙️ with Ana Maria Georgescu and Andrei Dumitru, both co-founders Smart Fintech.


Some highlights:

✅ SmartPay was created in compliance with the Revised Payment Services Directive, known as PSD2, that opens the financial sector to other authorised players as well (apart from the banks and their traditional services), known as Third Party Providers (TPPs).

✅ By using SmartPay, each user can initiate a payment from an owned Romanian bank account, providing that he/she owns a bank account that can be accessed electronically for one of the integrated Romanian banks: BRD, BCR, Banca Transilvania, ING Bank, CEC, Raiffeisen.

✅ SmartPay is developed as a plug&play app, and it could easily be integrated in any platform, to offer your clients access to a rapid payment initiation or simply an alternative online payment method.



🎧 The 3rd Episode is available on: Anchor, Spotify, Google Podcasts and Youtube.


Listen the Podcast here:


 

📻 The 4th Episode from Smart Open Banking podcast series is live now. It focuses on the SmartPay product - the first Payment Initiation Service through open banking licensed by the National Bank of Romania, that can be used both as an alternative to any online payment, and as a payment accelerator (it can be integrated in any app that manages financial resources).

The talks are in Romanian.



Find out more about GAIN (Global Assured Identity Network), from this discussion 🎙️ with Ana Maria Georgescu, Andrei Dumitru and Daniel Coman.

In September 2021, during the European Identity and Cloud hybrid Conference in Münich, and a day prior to the International Digital Identity Day (IID), a work-group of more than 150 identity experts launched a new global initiative called GAIN. Global Assured Identity Network (GAIN) is now in a blueprint phase for a proof of concept, yet many financial services players (especially banks!) showed interest in the initiative.


Some highlights:

✅ GAIN is build as an network of business entities that follow proven identity standards and can be held accountable for their cyber-actions, all in the benefit of end customers targeting safer transactions and interactions.


🎧 The 4th Episode is available on: Anchor, Spotify, Google Podcasts and Youtube.


Listen the Podcast here:


 

📻 The 5th Episode from Smart Open Banking podcast series is live now. It focuses on the Account Information Services (AIS): what they are, usability, addressability, use-cases, and future trends.

The talks are in Romanian.



Find out more about Account Information Services, from this insightful discussion 🎙️ with Bogdana Breban (PM & Scrum Master), Gabriela Guță (Business Analyst) and Marin Chițan (Product Owner Smart Accounts).


Some highlights:

✅ Account Information Services (AIS) grant access to a customer's financial data, aggregated from all user's bank accounts (with explicit consent) to an authorised Third Party Provider (TPP), in a secure way.


✅ The Revised Payment Services Directive, known as PSD2, opens the financial sector to other authorised players as well (apart from the banks and their traditional services), known as Third Party Providers (TPPs).

✅ By using these services, financial platforms will practically have unlimited possibilities to innovate, for example with financial management and predictions, deep selling, scoring or profiling, savings&investments opportunities, etc.


🎧 The 5th Episode is available on Anchor, Spotify, Google Podcasts, and Youtube.


Listen the Podcast here:



 

📻 The 6th Episode from Smart Open Banking podcast series is live now. It focuses on the Smart Accounts solution - the first Account Information Service developed and authorised in Romania by the National Bank: what it is, its addressability, technical details, benefits, use-cases, challenges.

The talks are in Romanian.


Find out more about Smart Accounts, from this insightful discussion 🎙️ with Gabriela Gheorghe (Manager, TechX), Daniela Popa (Product Owner, Smart Accounts), and Gheorghe (Gicu) Busuioc (Solution Architect, Smart Accounts).


Some highlights:

✅ Account Information Services (AIS) grant access to a customer's financial data, aggregated from all user's bank accounts (with explicit consent) to an authorised Third Party Provider (TPP), in a secure way.

✅ Smart Accounts is a Romanian AIS, offering full automation, top-security of financial data and full local support for partners.

✅ By using these services, financial platforms will practically have unlimited possibilities to innovate, for example with financial management and predictions, deep selling, scoring or profiling, savings&investments opportunities, etc.


🎧 The 6th Episode is available on on Anchor, Spotify, Google Podcasts, and Youtube.


Listen the Podcast here:



 

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