Descrizione del progetto
Nuova applicazione a livello UE per collegare più conti bancari
Contribuendo a un mercato europeo dei pagamenti più integrato ed efficiente, la direttiva UE riveduta relativa ai servizi di pagamento – PSD2 mira a creare condizioni di parità per i prestatori di servizi di pagamento. Questa nuova normativa, che apre il mercato dei pagamenti dell’UE a terzi prestatori di servizi di pagamento, obbliga tutte le banche dell’Unione europea, dell’Islanda, del Liechtenstein e della Norvegia a fornire a terzi autorizzati l’accesso ai dati dei clienti, qualora richiesti. Tuttavia, le banche forniscono i dati in diversi formati. Per risolvere questo problema, il progetto EVERIFIN, finanziato dall’UE, creerà un’applicazione di internet banking a livello europeo che collegherà tutte le banche dell’UE a EVERIFIN per gestire conti di più banche in un unico luogo. L’obiettivo è unificare il frammentato mercato europeo.
Obiettivo
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.
Campo scientifico
Programma(i)
Argomento(i)
Invito a presentare proposte
Vedi altri progetti per questo bandoBando secondario
H2020-SMEInst-2018-2020-1
Meccanismo di finanziamento
SME-1 - SME instrument phase 1Coordinatore
91701 TRNAVA
Slovacchia
L’organizzazione si è definita una PMI (piccola e media impresa) al momento della firma dell’accordo di sovvenzione.