{"id":30678,"date":"2022-02-01T15:44:18","date_gmt":"2022-02-01T13:44:18","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=30678"},"modified":"2022-02-01T15:56:28","modified_gmt":"2022-02-01T13:56:28","slug":"bilan-de-la-dsp2-securite-incidence-et-enjeux-a-venir-j-raguenes-pour-revue-banque","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/bilan-de-la-dsp2-securite-incidence-et-enjeux-a-venir-j-raguenes-pour-revue-banque\/","title":{"rendered":"Bilan de la DSP2 : S\u00e9curit\u00e9, incidence et enjeux \u00e0 venir &#8211; J. Ragu\u00e9n\u00e8s pour Revue Banque"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>A l\u2019occasion d\u2019un dossier sur les paiements, J\u00e9r\u00f4me Ragu\u00e9n\u00e8s, directeur du d\u00e9partement num\u00e9rique, syst\u00e8mes et moyens de paiement de la FBF, a dress\u00e9 le bilan et expos\u00e9 les enjeux de la directive sur les services de paiement 2 (DSP2).<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette directive, qui impose aux banques l\u2019ouverture de leurs syst\u00e8mes d\u2019information \u00e0 des prestataires de services de paiement, soul\u00e8ve d\u2019importantes questions d\u2019\u00e9galit\u00e9 de concurrence et de s\u00e9curisation des donn\u00e9es. Aussi, \u00e0 l\u2019heure de d\u00e9bats sur l\u2019ouverture plus large encore du partage de donn\u00e9es, il est indispensable de dresser un premier bilan de l\u2019incidence concr\u00e8te de cette directive et des enjeux \u00e0 venir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La mise en place de la DSP2 a n\u00e9cessit\u00e9 d\u2019\u00e9normes investissements pour les banques fran\u00e7aises&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>au niveau de l\u2019IT&nbsp;: elles ont du redimensionner leurs syst\u00e8mes pour permettre un acc\u00e8s facilit\u00e9 et s\u00e9curis\u00e9 des third party providers (TPP \u2013 prestataires de services de paiement)&nbsp;;<\/li><li>de la gestion de l\u2019authentification forte et du risque&nbsp;: l\u2019intervention d\u2019un tiers n\u2019emp\u00eachant pas la banque d\u2019\u00eatre en charge du remboursement en cas de fraude&nbsp;;<\/li><li>de celle des back-offices&nbsp;: les obligations de supervision se complexifiant et s\u2019alourdissant sans cesse.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd\u2019hui, la cha\u00eene des paiements est extr\u00eamement s\u00e9curis\u00e9e, et \u00ab&nbsp;<em>l\u2019exp\u00e9rience montre que, face au renforcement continu de la s\u00e9curit\u00e9 des syst\u00e8mes, ce sont les pratiques des clients qui sont utilis\u00e9es par les fraudeurs comme porte d\u2019entr\u00e9e<\/em>&nbsp;\u00bb explique J\u00e9r\u00f4me Ragu\u00e9n\u00e8s. Les banques fran\u00e7aises multiplient les actions de sensibilisation \u00e0 la fraude aupr\u00e8s de leurs clients, pour prot\u00e9ger chacun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce d\u00e9bat, la question du co\u00fbt est \u00e9galement majeure. Pour r\u00e9pondre aux besoins des clients et innover dans un environnement s\u00e9curis\u00e9, les banques d\u00e9veloppent des API (application programming interface \u2013 outils informatiques qui permettent d\u2019\u00e9changer de mani\u00e8re s\u00e9curis\u00e9e les donn\u00e9es bancaires), dont l\u2019utilisation par des acteurs tiers a un co\u00fbt, li\u00e9 \u00e0 la qualit\u00e9 de service et \u00e0 la s\u00e9curit\u00e9 des acc\u00e8s. La DSP2 n\u2019ignorera plus cette question de mod\u00e8le \u00e9conomique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab&nbsp;<em>Parce que l\u2019esprit d\u2019innovation se nourrit de l\u2019ouverture, et qu\u2019il prosp\u00e8re dans la s\u00e9curit\u00e9 qui a une forte valeur pour les clients, les banques fran\u00e7aises sont r\u00e9solument engag\u00e9es dans une d\u00e9marche de coop\u00e9ration avec de multiples acteurs<\/em>&nbsp;\u00bb, qui ne doit cependant pas faire oublier les enjeux li\u00e9s \u00e0 l\u2019ouverture de l\u2019acc\u00e8s aux donn\u00e9es : la souverainet\u00e9 du syst\u00e8me europ\u00e9en des paiements et leur s\u00e9curit\u00e9, ainsi que celle des clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab&nbsp;<em>Les banques pr\u00e9servent les int\u00e9r\u00eats de leurs clients, leur fournissent les produits et les services dont ils ont besoin et l\u2019action reconnue de la profession bancaire dans la gestion de la crise sanitaire conforte ce constat. Il importe de s\u2019en souvenir, et de s\u2019en nourrir pour une innovation en toute confiance&nbsp;!<\/em>&nbsp;\u00bb conclut J\u00e9r\u00f4me Ragu\u00e9n\u00e8s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a rel=\"noreferrer noopener\" href=\"http:\/\/www.revue-banque.fr\/article\/tirons-bilan-dsp2-pour-avancer\" target=\"_blank\">Tirons le bilan de DSP2 pour avancer<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-rounded\"><figure data-wp-context=\"{&quot;closeLabel&quot;:&quot;Fermer&quot;}\" data-wp-interactive=\"fbf-theme\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes.png\" alt=\"J\u00e9r\u00f4me Ragu\u00e9n\u00e8s, Directeur num\u00e9rique, syst\u00e8mes et moyens de paiement chez FBF\" class=\"wp-image-22911\" width=\"189\" height=\"189\" srcset=\"https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes.png 400w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-300x300.png 300w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-150x150.png 150w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-278x280.png 278w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-180x180.png 180w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-80x80.png 80w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-250x250.png 250w, https:\/\/fbf.fr\/uploads\/2017\/04\/Jerome-Raguenes-50x50.png 50w\" sizes=\"auto, (max-width: 189px) 100vw, 189px\" \/><figcaption>J\u00e9r\u00f4me Ragu\u00e9n\u00e8s, Directeur du d\u00e9partement num\u00e9rique, syst\u00e8mes et moyens de paiement de la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/figcaption><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A l\u2019occasion d\u2019un dossier sur les paiements, J\u00e9r\u00f4me Ragu\u00e9n\u00e8s, directeur du d\u00e9partement num\u00e9rique, syst\u00e8mes et moyens de paiement de la FBF, a dress\u00e9 le bilan et expos\u00e9 les enjeux de la directive sur les services de paiement 2 (DSP2). Cette directive, qui impose aux banques l\u2019ouverture de leurs syst\u00e8mes d\u2019information \u00e0 des prestataires de services [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":30679,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":15678,"viewed_at":"1778494623"},"categories":[1585,1595,1582,3358],"tags":[3286],"class_list":["post-30678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-interventions","category-rubrique-newsroom","category-paiement","tag-paiement"],"yoast_head":"<title>Bilan de la DSP2 : S\u00e9curit\u00e9, incidence et enjeux \u00e0 venir - J. 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