{"id":10762,"date":"2020-09-11T08:35:49","date_gmt":"2020-09-11T08:35:49","guid":{"rendered":"https:\/\/beta.bluetab.net\/normativos-banca-minorista\/"},"modified":"2021-07-01T13:37:33","modified_gmt":"2021-07-01T13:37:33","slug":"retail-banking-regulations","status":"publish","type":"post","link":"https:\/\/bluetab.org\/en\/retail-banking-regulations\/","title":{"rendered":"Retail Banking Regulations"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10762\" class=\"elementor elementor-10762\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-854e540 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"854e540\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e55bd9d\" data-id=\"e55bd9d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c27fdb elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6c27fdb\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Retail Banking Regulations<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b716fb6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b716fb6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-286d088\" data-id=\"286d088\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2087361 elementor-widget elementor-widget-text-editor\" data-id=\"2087361\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A regulatory project to respond to\u00a0<b>Spanish Royal Decree-Law 19\/2017, on basic payment accounts, transfer of payment accounts and comparability of commissions<\/b>, for customers to be able to compare products more easily and move within the Union, benefiting from an internal market in the financial services field. This directive is intended to<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374bd95 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"374bd95\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" data-name=\"Capa 1\" viewBox=\"0 0 113.39 113.39\"><defs><style>.cls-1{fill:#e76118;}<\/style><\/defs><title>barra-bluetab<\/title><path class=\"cls-1\" d=\"M73.6,4.18c-.08,0,0,0-.08,0a10.35,10.35,0,0,0-9.59,6.5L26.86,109.2H39.79c.07,0,0,0,.07,0a10.41,10.41,0,0,0,9-5.15L86.53,4.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Make access to basic banking services easier for potential customers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" data-name=\"Capa 1\" viewBox=\"0 0 113.39 113.39\"><defs><style>.cls-1{fill:#e76118;}<\/style><\/defs><title>barra-bluetab<\/title><path class=\"cls-1\" d=\"M73.6,4.18c-.08,0,0,0-.08,0a10.35,10.35,0,0,0-9.59,6.5L26.86,109.2H39.79c.07,0,0,0,.07,0a10.41,10.41,0,0,0,9-5.15L86.53,4.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Improve the transparency and comparability of commissions applied to payment accounts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" data-name=\"Capa 1\" viewBox=\"0 0 113.39 113.39\"><defs><style>.cls-1{fill:#e76118;}<\/style><\/defs><title>barra-bluetab<\/title><path class=\"cls-1\" d=\"M73.6,4.18c-.08,0,0,0-.08,0a10.35,10.35,0,0,0-9.59,6.5L26.86,109.2H39.79c.07,0,0,0,.07,0a10.41,10.41,0,0,0,9-5.15L86.53,4.18Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Improve the transfer of payment accounts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8128163\" data-id=\"8128163\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dcf888 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"6dcf888\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg\" class=\"attachment-large size-large wp-image-4362\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbf2742 elementor-widget elementor-widget-text-editor\" data-id=\"cbf2742\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The objective is \u201cto establish common rules of the game for all credit institutions and payment service providers\u201d.<\/p><p>We participated in the process of setting the functional requirements in terms of the products affected, customers (natural persons), level of application (at the \u201caccount\u201d level) to ensure proper project execution. With that starting point, we carried out the analysis of the entity\u2019s information platform to determine how to extract the information necessary for the report, requesting the necessary information that does not exist at source. To ensure that the information is correct and necessary for the report, sampling or sets of information specimens are taken with the users.<\/p><p>In the project context, the transformation is also modelled and implemented in PowerCenter, for development of the modelling processes to enable the commercial product, customer, commissions associated with each product in the application period, interest charged and paid, interest rates to be obtained, as well as the loading and extraction of information that is not on the platform. Our team creates final tables and defines the output and reporting structure.\u00a0<\/p><p>To ensure the performance of the developments, a recovery of the entire volume of information associated with an account (several customers associated with it) in one year needs to be addressed. Similarly included within the scope of the collaboration are the necessary technical and functional documentation for the developments, the execution of comprehensive testing, test documentation and troubleshooting.<\/p><p>Transfer of the information is carried out by consolidating the information obtained and it is loaded in final tables, downloading information from final table to flat file for transfer. Exploitation of the information is finalised in MicroStrategy with availability of information detail for customer queries, as well as the creation of reports for exploitation of the information in reporting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a8fb60d elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a8fb60d\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-973701b\" data-id=\"973701b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bc6a390 elementor-widget elementor-widget-text-editor\" data-id=\"bc6a390\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>SUCCESS STORIES<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce877c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cce877c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A regulatory project to respond to\u00a0Spanish Royal Decree-Law 19\/2017, on basic payment accounts, transfer of payment accounts and comparability of commissions, for customers to be able to compare products more easily and move within the Union, benefiting from an internal market in the financial services field. This directive is intended to barra-bluetab Make access to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4362,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[605],"tags":[607],"class_list":{"0":"post-10762","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-casos-2","8":"tag-data-fabric-2","9":"entry"},"uagb_featured_image_src":{"full":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash.jpeg",5184,3456,true],"thumbnail":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",150,100,false],"medium":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",300,200,false],"medium_large":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",768,512,false],"large":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",1024,683,false],"1536x1536":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",1536,1024,false],"2048x2048":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",2048,1365,false],"sidebar-featured":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",75,50,false],"genesis-singular-images":["https:\/\/bluetab.org\/wp-content\/uploads\/2020\/09\/rupixen-com-q59hmzk38eq-unsplash-scaled.jpeg",702,468,false]},"uagb_author_info":{"display_name":"Bluetab","author_link":"https:\/\/bluetab.org\/en\/author\/user\/"},"uagb_comment_info":0,"uagb_excerpt":"A regulatory project to respond to\u00a0Spanish Royal Decree-Law 19\/2017, on basic payment accounts, transfer of payment accounts and comparability of commissions, for customers to be able to compare products more easily and move within the Union, benefiting from an internal market in the financial services field. This directive is intended to barra-bluetab Make access to&hellip;","_links":{"self":[{"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/posts\/10762","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/comments?post=10762"}],"version-history":[{"count":4,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/posts\/10762\/revisions"}],"predecessor-version":[{"id":10766,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/posts\/10762\/revisions\/10766"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/media\/4362"}],"wp:attachment":[{"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/media?parent=10762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/categories?post=10762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bluetab.org\/en\/wp-json\/wp\/v2\/tags?post=10762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}