The unveiling of the loan payment plan without fees next month
The vice president of new technologies of the central bank said that we are looking to provide suitable services to the people in the validation plan, and in the first half of December, with the presence of the governor general of the central bank, the plan to pay facilities without fees through validation will be unveiled.
“Mehran Muharramian” stated today (Monday) at the press conference of the 10th annual conference of electronic banking and payment systems: electronic banking is not separate from the bank and smart currency, and therefore useful service is provided to the customer.
Regarding the implementation of the validation plan in the banking system, he said: Validation is an important issue, and with its implementation in the field of micro-facilities, we will see smooth payments, and banks’ concerns about default will be removed.
Moharmian clarified: We emphasized to the banks to take the micro-facilities towards electronicization and place validation at the top of their affairs, and in this plan we are looking to provide the services needed by the people. The
He continued: In the new validation method, the validation coverage reaches from 30% to 100%; Also, in the new validation method, the accuracy of this method reaches from 60% to 80%, and in the new method factors such as traffic offenses, bank debt and three volumes of bank convictions are examined.
The vice president of new technologies of the Central Bank further said: Another measure of the Central Bank in smart banking is the electronic check, which has been implemented for several years, and the check, which had previously moved towards becoming a normal document. With the implementation of the law, the check has become a reliable document and has been recognized, and the number of check prisoners has decreased from 10 people in one day to one person in three days.
He stated: In the new check law, people can be informed about the credit status of the check issuer with the help of the SMS system.
Moharmian added: We are looking to determine credit for check issuers so that people can issue checks according to their credit. 11 banks now offer electronic checks. The
Dealing with the arbitrary implementation of validation in the banking network
Regarding the selective implementation of validation in the banking network, he said: the validation authority is the same in the banking network, and the central bank also deals with banks that act in a selective manner.
The Vice President of New Technologies of the Central Bank explained about another measure of the Central Bank in smart banking: the “Siyaq” system, or the integrated system of judicial rulings, has been operationalized, and with the operation of this system, a person who has a debt and has been convicted immediately after the issuance of the judgment and accounts It is blocked.
He also stated about the importance of reforming the fee system: due to the limitation in the discussion of investment in payment systems, if the necessary reforms are not made in this field, the quality of service provided by payment systems would decrease.
In this meeting, Piman Ghorbani, head of the Monetary and Banking Research Institute, stated: Electronic payment systems helped exchanges with their expansion, but with the advancement of electronic banking, they opened up new horizons, and one of these cases is smart banking.
He emphasized: Smart banking has served in many areas, one example of which is the deposit of cash subsidy.
Ghorbani said: In the banking system, most products were defined the same, but in the field of smart banking, products are personalized for different people, and financing becomes updated and smart, and this plays a significant role in economic activities.