{"id":317085,"date":"2023-11-15T11:19:28","date_gmt":"2023-11-15T10:19:28","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/psd2\/"},"modified":"2026-04-08T12:59:21","modified_gmt":"2026-04-08T10:59:21","slug":"psd2","status":"publish","type":"page","link":"https:\/\/www.fiarebancaetica.coop\/ca\/psd2\/","title":{"rendered":"PSD2"},"content":{"rendered":"\n<div class=\"wrapper-crispybacon-class wrapper-crispybacon-class-large \">\n    \n\n<h1 class=\"wp-block-heading is-style-lyon\">PSD2<\/h1>\n\n\n\n<h3 class=\"wp-block-heading is-style-lyon\">DIRECTIVA SOBRE SERVEIS DE PAGAMENT 2 (UE 2015\/2366)<\/h3>\n\n\n\n<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e8 \u00e9s la PSD2?<\/h2>\n\n\n\n<p>La PSD2, acr\u00f2nim de&nbsp;<em>Payment Services Directive 2<\/em>, \u00e9s la nova Directiva europea sobre serveis de pagament i representa una etapa m\u00e9s en el desenvolupament del mercat \u00fanic de pagaments a Europa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Objectius<\/h2>\n\n\n\n<p>La directiva, que&nbsp;<strong>ser\u00e0 de plena aplicaci\u00f3 a partir del 14 de setembre de 2019<\/strong>, t\u00e9 com a objectiu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>augmentar la seguretat i la protecci\u00f3 de la clientela en els serveis de pagament en l\u00ednia;<\/li>\n\n\n\n<li>promoure la innovaci\u00f3 i el desenvolupament dels pagaments digitals;<\/li>\n\n\n\n<li>afavorir m\u00e9s uns nivells alts de competitivitat i innovaci\u00f3 dins del mercat de pagaments.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Novetats principals<\/h2>\n\n\n\n<p><strong>&gt;&gt; NOUS REQUISITS DE SEGURETAT<\/strong><\/p>\n\n\n\n<p>La PSD2 preveu la utilitzaci\u00f3 d\u2019est\u00e0ndards restrictius de seguretat per accedir a l\u2019\u00c0rea de Client (banca per internet) i per disposar dels pagaments en l\u00ednia. De fet,&nbsp;<strong>a partir del 14 de setembre de 2019, ser\u00e0 obligat\u00f2ria una autenticaci\u00f3 refor\u00e7ada.<\/strong><\/p>\n\n\n\n<p>L\u2019autenticaci\u00f3 refor\u00e7ada \u00e9s un s<strong>istema de seguretat que permet identificar i autenticar el client o clienta i l\u2019operaci\u00f3 de manera un\u00edvoca<\/strong>, reduint els riscos vinculats a l\u2019acc\u00e9s als propis comptes en l\u00ednia i a l\u2019execuci\u00f3 d\u2019operacions fraudulentes per part de tercers no autoritzats.<\/p>\n\n\n\n<p>Per poder complir els requisits de la PSD2 i garantir al client o clienta una seguretat m\u00e9s gran en la fase d\u2019acc\u00e9s i control, es posa a la seva disposici\u00f3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OTP SMS: un sistema d\u2019autenticaci\u00f3 que consisteix en la recepci\u00f3 al tel\u00e8fon m\u00f2bil d\u2019un SMS amb un codi que cal introduir per autenticar-se.<\/li>\n<\/ul>\n\n\n\n<p><strong>QU\u00c8 CANVIA PER ALS CLIENTS I CLIENTES DE FIARE BANCA ETICA<\/strong><\/p>\n\n\n\n<p>Les persones que s\u00f3n clientes de Fiare Banca Etica tindran a la seva disposici\u00f3 un nou sistema d\u2019autenticaci\u00f3 gratu\u00eft i segur per a l\u2019acc\u00e9s a banca per internet i per a la gesti\u00f3 d\u2019alguns processos en el seu compte.&nbsp; En el primer moment d\u2019entrar a banca per internet,&nbsp; a partir del 14 de setembre,, rebran una petici\u00f3 de codi SMS per a l\u2019autenticaci\u00f3 de l\u2019usuari i per fer algunes de les consultes. Aquest proc\u00e9s es repetir\u00e0 cada 90 dies.<\/p>\n\n\n\n<p><strong>&gt;&gt; TERCERES PERSONES PROVE\u00cfDORES (TPP)<\/strong><\/p>\n\n\n\n<p>Les persones titulars d\u2019un compte corrent que inclogui banca en l\u00ednia tindran<strong>&nbsp;la possibilitat, si volen, d\u2019habilitar l\u2019acc\u00e9s del seu compte a terceres persones prove\u00efdores<\/strong>&nbsp;(els anomenats TPP) per:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>gestionar operacions de pagament;<\/strong><\/li>\n\n\n\n<li><strong>accedir a la informaci\u00f3 dels seus comptes, encara que estiguin en bancs diversos.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>PSD2 defineix tres categories de terceres persones:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>els PISP<\/strong>&nbsp;(persones prove\u00efdores de serveis d\u2019iniciaci\u00f3 de pagaments) permeten transferir diners i fer pagaments amb c\u00e0rrec a un compte corrent triat pel client o la clienta;<\/li>\n\n\n\n<li><strong>els AISP&nbsp;<\/strong>(persones prove\u00efdores de serveis d\u2019informaci\u00f3 sobre comptes) permeten obtenir una visi\u00f3 completa de tots els comptes corrents del client o la clienta a trav\u00e9s d\u2019una plataforma en l\u00ednia, fins i tot si els t\u00e9 en altres bancs;<\/li>\n\n\n\n<li><strong>els CISP<\/strong>&nbsp;(servei d\u2019iniciaci\u00f3 de pagaments amb targeta) presten serveis de pagament amb targeta i permeten definir en cada cas el compte corrent de d\u00e8bit. Abans de fer el pagament, el CISP pot so\u0140licitar preventivament una verificaci\u00f3 de disponibilitat de l\u2019import de l\u2019operaci\u00f3.<\/li>\n<\/ol>\n\n\n\n<p><strong>Com autoritzar terceres persones prove\u00efdores<\/strong><\/p>\n\n\n\n<p>\u00c9s decisi\u00f3 lliure del client o la clienta si utilitza els serveis oferts per terceres persones prove\u00efdores; el fet de gaudir-ne no \u00e9s vinculant i e<strong>s pot decidir en qualsevol moment mantenir-lo o revocar l\u2019autoritzaci\u00f3 des de la mateixa banca en l\u00ednia (\u00c0rea de Client).<\/strong><\/p>\n\n\n\n<p><strong>SECCI\u00d3 DEDICADA A LES TERCERES PERSONES PROVE\u00cfDORES<\/strong><\/p>\n\n\n\n<p>Interf\u00edcie dedicada a les terceres persones prove\u00efdores (TPP) de conformitat amb l\u2019art. 30 i s. sobre RTS (Reglament delegat UE 2018\/389).<br>Per poder fer les operacions relacionades amb la PSD2, posem a disposici\u00f3 de les terceres persones autoritzades una interf\u00edcie dedicada per a la part de banca en l\u00ednia (p. ex. transfer\u00e8ncies): portal Cabel Industry SPA &#8211; PSD2.<br>Per connectar-se al servei, consulteu la documentaci\u00f3 t\u00e8cnica corresponent i so\u0140liciteu m\u00e9s informaci\u00f3; n\u2019hi ha prou amb accedir&nbsp;<a href=\"http:\/\/market.apis-i.redsys.es\/psd2\/xs2a\/nodos\/fiare\">a la p\u00e0gina web<\/a>&nbsp;i seguir les instruccions.<\/p>\n\n\n\n<p>Per a les especificacions t\u00e8cniques dels est\u00e0ndards API utilitzats, consulteu&nbsp;<a href=\"http:\/\/market.apis-i.redsys.es\/psd2\/xs2a\/nodos\/fiare\">la p\u00e0gina<\/a><\/p>\n\n\n\n<p><strong>&gt;&gt; ESTAD\u00cdSTIQUES<\/strong><\/p>\n\n\n\n<p>A continuaci\u00f3 es publiquen les estad\u00edstiques trimestrals sobre la disponibilitat i rendiment de les APIs i de la interf\u00edcie utilitzada pels seus usuaris de serveis de pagament:<\/p>\n\n\n\n<p><strong>Estad\u00edstiques T\u00e8cniques Disponibilitat<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/disponibilidad-primer-trimestre-2020-1-1.pdf\">Primer trimestre 2020<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/documento\/informe-disponibilidad-2021\">Segon trimestre 20<\/a><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-disponibilidad-2021-1.pdf\">21<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-disponibilidad-cuarto-trimestre-2021.pdf\">Quart trimestre 2021<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-disponibilidad-22.pdf\">Quart trimestre 2022<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-disponibilidad-primer-trimestre-23.pdf\">Primer trimestre 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/Disponibilidad-cuarto-trimestre-23.pdf\">Quart trimestre 2023<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/06\/disponibilidad_1_2024.pdf\">Primer trimestre 2024<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/07\/rendimiento_2_2024.pdf\">Segon trimestre 2024<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/11\/informe-de-disponibilidad-09_12.xlsx.pdf\">Tercer trimestre 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2025\/04\/informe-de-rendimiento.xlsx-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Primer trimestre 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2025\/08\/informe-de-disponibilidad.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Segon trimestre 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/01\/informe-de-disponibilidad.xlsx\">Tercer trimestre 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/04\/disponibilidad-dic_25.xlsx\">Quart trimestre 2025<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong><strong>Estad\u00edstiques T\u00e8cniques Rendiment<\/strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/rendimiento-primer-trimestre-2020.pdf\">Primer trimestre 2020<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-rendimiento-2021.pdf\u00e7\">Segon trimestre 2021<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-rendimiento-cuarto-trimestre-2021.pdf\">Quart<\/a> <a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-rendimiento-cuarto-trimestre-2021.pdf\">trimestre 2021<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-rendimiento-221.pdf\">Quart trimestre 2022&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/informe-rendimiento-segundo-trimestre-231.pdf\">Primer semestre 2023&nbsp;<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/02\/Rendiemiento_31012024.pdf\">Cuarto trimestre 2023<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/06\/rendimiento_1_2024.pdf\">Primer trimestre 2024<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/07\/rendimiento_2_2024.pdf\">Segon trimestre 2024<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2025\/08\/informe-de-disponibilidad.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Segon trimestre 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/01\/informe-de-rendimiento.xlsx\">Tercer trimestre 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/01\/informe-de-rendimiento-1.xlsx\">Quart trimestre 2025<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2026\/04\/rendimiento_03_26.xlsx\">Primer trimestre 2026<\/a><\/li>\n<\/ul>\n\n\n<\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6692,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"coauthors":[10744],"class_list":["post-317085","page","type-page","status-publish","hentry","crispybacon-hidden-page-title"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PSD2 - Qu\u00e8 \u00e9s la PSD2? - Fiare Banca Etica<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiarebancaetica.coop\/ca\/psd2\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PSD2 - Qu\u00e8 \u00e9s la PSD2? - Fiare Banca 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