Descripción del proyecto
Una aplicación nueva paneuropea para relacionar varias cuentas bancarias
La revisión de la Directiva de servicios de pago de la UE (PSD2) se propone igualar a los proveedores de servicios de pago y crear así un mercado de pagos europeo más integrado y eficaz. Esta nueva normativa, que abre el mercado de los pagos en la UE a proveedores de servicios de terceros, obliga a todos los bancos de la Unión Europea, Islandia, Lichtenstein y Noruega a dar acceso a datos de clientes a terceras partes autorizadas cuando estas lo soliciten. No obstante, los bancos ofrecen sus datos en distintos formatos. Para resolver este escollo, el proyecto financiado con fondos europeos EVERIFIN creará una aplicación de banca en línea paneuropea que conecte todos los bancos de la UE a EVERIFIN para gestionar cuentas de varios bancos desde un único lugar. El objetivo es unificar un mercado europeo fragmentado.
Objetivo
Everifin is an EU-wide internet banking application offering non-discriminative way to use banking services from multiple banks at the same time independent from citizenship in the EU member state. This is possible thanks to the new European regulation called PSD2. The regulation comes into full force in September 2019 and obliges all banks in the EU, Liechtenstein, Norway and Iceland to give licensed 3rd parties access to client data if the client asks for it. The licenses are issued by a local regulator and can be transferred to any member state.
The challenge is that the customer data which banks provide, are all in different formats. Therefore, we have built a unique solution which brings all data into one standard. We can link all banks in the EU to Everifin and unify fragmented European market faster than anyone ever before. On top of the basic multi-banking functionality, we plan to deliver new disruptive financial services: eBills, instant payments and credit checks and, to name a few.
We have already conducted a market research with real users and measured the size of the market opportunity of multi-banking and eBills. It is clear that these services are highly demanded and people are ready to pay for them. Our corporate partners are excited about the fully electronic invoicing solution - the eBills. They can significantly reduce the costs of printing and delivering invoices, while achieving 50% reduction of overdue payments. This means they spend less on sending reminders and because their customers receive eBills directly in the internet banking, the number of typing mistakes drops dramatically as well.
In November 2019, Everifin received an investment from a Business Angel and took leaps forward in building the final product, ready to be launched at the end of 2019. Additional funding from SME instrument Phase 1 will help us to prepare the feasibility study and expand our business plan for the next features: instant payments and credit checks.
Ámbito científico
Programa(s)
Convocatoria de propuestas
Consulte otros proyectos de esta convocatoriaConvocatoria de subcontratación
H2020-SMEInst-2018-2020-1
Régimen de financiación
SME-1 - SME instrument phase 1Coordinador
91701 TRNAVA
Eslovaquia
Organización definida por ella misma como pequeña y mediana empresa (pyme) en el momento de la firma del acuerdo de subvención.