Post by IBAN on Sept 4, 2023 0:47:02 GMT -8
Transfer by phone number does not guarantee the security of the transaction
The plus and the solution to this problem is to create a single account identifier, which includes both the country attribute (to extend to Belarus, Kazakhstan and elsewhere), and the attribute of the bank, and the specific branch, and the client himself. In Europe, this identifier is called IBAN.
SEPA, with which all EU banks work. IBAN consists of 2 letters identifying the country and a set of numbers identifying the bank and account number. One IBAN is generally enough to make a transfer. At the same time, the last IBAN Phone Number List digits are ontrol and, thus, if an error occurs in entering the account number, the money simply will not go anywhere.
The phone number, which the Central Bank proposes to use as an account identifier, is not protected from input and copying errors - it does not have a checksum. I think that my colleagues from Qiwi have statistics on money lost due to the fact that someone sent to the wrong number. I myself once lost 15 thousand rubles.
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And one more thing: in many ways, this situation is created by banks, not companies. After all, banks often impose salary projects (even where they are not needed) in exchange for a loan and good attitude. Small businesses with a small number of employees, in general, don’t care how to pay salaries.
Gifts for newborns for 2019 are already being given out in many regions of Russia.
The plus and the solution to this problem is to create a single account identifier, which includes both the country attribute (to extend to Belarus, Kazakhstan and elsewhere), and the attribute of the bank, and the specific branch, and the client himself. In Europe, this identifier is called IBAN.
SEPA, with which all EU banks work. IBAN consists of 2 letters identifying the country and a set of numbers identifying the bank and account number. One IBAN is generally enough to make a transfer. At the same time, the last IBAN Phone Number List digits are ontrol and, thus, if an error occurs in entering the account number, the money simply will not go anywhere.
The phone number, which the Central Bank proposes to use as an account identifier, is not protected from input and copying errors - it does not have a checksum. I think that my colleagues from Qiwi have statistics on money lost due to the fact that someone sent to the wrong number. I myself once lost 15 thousand rubles.
And one more thing: in many ways, this situation is created by banks, not companies. After all, banks often impose salary projects (even where they are not needed) in exchange for a loan and good attitude. Small businesses with a small number of employees, in general, don’t care how to pay salaries.
Gifts for newborns for 2019 are already being given out in many regions of Russia.