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1 |
General Introduction of the Organization Requesting the License for Intermediary Payment Services |
- Name of the organization.
- Formation and development history.
- Business sectors.
- Plans for providing and implementing intermediary payment services after being granted the license.
- Other related information (if any). |
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2 |
Business and Technical Process of the Requested Service |
- Name of the service.
- Scope of provision.
- Customer types.
- Conditions for use.
- Diagram and explanation of the operational steps.
- Cash flow process from the initiation of a transaction to the settlement of obligations between the relevant parties for e-wallet services and collection and disbursement support services. |
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3 |
Mechanism for Opening and Maintaining Payment Guarantee Accounts for E-wallet Services |
- The organization providing e-wallet services must open a payment guarantee account for the e-wallet service provision.
- Maintenance of the total balance across all payment guarantee accounts for e-wallet services.
- The purpose of using the payment guarantee account for e-wallet services according to legal regulations. |
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4 |
Mechanism for Ensuring Payment Capability for Collection and Disbursement Support Services |
- Establish a mechanism to ensure payment capability for collection and disbursement support services in compliance with legal regulations. |
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5 |
Internal Inspection and Control Process |
- Establish internal regulations on inspection and control, including: purpose, requirements; implementation procedure; responsibilities of relevant departments. |
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6 |
Risk Management Process, Ensuring Safety and Security |
- Regulations on risk management, safety, and security, ensuring compliance with SBV's regulations on electronic banking activities.
- Regulations on the creation, use, storage, and archiving of electronic documents according to the law on electronic transactions in banking activities.
- Evaluation of potential risks and corresponding risk management measures during the provision of intermediary payment services.
- Development of internal processes on policies and specific risk mitigation measures. |
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7 |
General Principles and Internal Regulations on Anti-Money Laundering, Counter-Terrorism Financing, and Proliferation Financing |
- General principles on anti-money laundering, counter-terrorism financing, and proliferation financing.
- Internal regulations on anti-money laundering, counter-terrorism financing, and proliferation financing in compliance with legal regulations on anti-money laundering, counter-terrorism financing, and proliferation financing. |
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8 |
Process and Procedure for Handling Inquiry Requests, Complaints, and Disputes |
- Regulations on handling or responding to customer complaints and inquiries, clearly specifying: receiving channels, receiving departments, steps for guiding customers through complaints, internal procedures for addressing complaints, and when coordination with related units is necessary.
- Process, procedure, specific responsibilities of each relevant party, timeline for each step, and the result returned to the complaining customer. |
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9 |
Plan for an Organization to Settle the Clearing Results Between Relevant Parties for Financial Switching Services, Electronic Clearing, International Financial Switching |
- The organization responsible for settlement.
- Scope of settlement.
- Conditions for performing settlement.
- Settlement currency; applicable exchange rates (if any).
- Settlement accounts.
- Settlement process: settlement time, diagram and explanation of the settlement steps, dispute resolution, fees, and measures for risk identification, prevention, and handling during the settlement process (including the risk of financial obligations when the participating parties lose the ability to pay).
- Rights and responsibilities of members and relevant parties.
- Linkage with other payment systems (if any). |