+Člen 98 Regulativni tehnični standardi na področju avtentikacije in komunikacije
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Člen 98 Regulativni tehnični standardi na področju avtentikacije in komunikacije

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1. Pregled

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Člen 98 1.

EBA v tesnem sodelovanju z ECB in po posvetovanju z vsemi zadevnimi deležniki, tudi s tistimi na trgu plačilnih storitev, da bi tako upošteval vse zadevne interese, v skladu s členom 10 Uredbe (EU) št. 1093/2010 pripravi osnutke regulativnih tehničnih standardov, naslovljene na ponudnike plačilnih storitev iz člena 1(1) te direktive, v katerih določi:

(a) 

zahteve za močno avtentikacijo strank iz člena 97(1) in (2);

(b) 

izjeme od uporabe člena 97(1), (2) in (3), ki temeljijo na merilih, določenih v odstavku 3 tega člena;

(c) 

zahteve, s katerimi morajo biti skladni varnostni ukrepi v skladu s členom 97(3), da se zaščitita zaupnost in celovitost osebnih varnostnih elementov uporabnika plačilnih storitev, in

(d) 

zahteve za skupne in varne odprte standarde komuniciranja za namen opredelitve, avtentikacije, obvestitve in sporočanja informacij ter za izvajanje varnostnih ukrepov med ponudniki plačilnih storitev, ki vodijo račune, ponudniki storitev odreditve plačil, ponudniki storitev zagotavljanja informacij o računih, plačniki in prejemniki plačil ter drugimi ponudniki plačilnih storitev.
Člen 98 2.

EBA pripravi osnutke regulativnih tehničnih standardov iz odstavka 1 z namenom::

(a) 

zagotoviti ustrezno raven varnosti za uporabnike plačilnih storitev in ponudnike plačilnih storitev s sprejetjem učinkovitih, na tveganju temelječih zahtev;

(b) 

zagotoviti varnost sredstev in osebnih podatkov uporabnikov plačilnih storitev;

(c) 

zagotoviti in ohraniti pošteno konkurenco med vsemi ponudniki plačilnih storitev;

(d) 

zagotoviti tehnološko nevtralnost in nevtralnost poslovnega modela;

(e) 

omogočiti razvoj uporabniku prijaznih, dostopnih in inovativnih plačilnih sredstev.
Člen 98 3.

Izjeme iz točke (b) odstavka 1 temeljijo na naslednjih merilih:

(a) 

raven tveganja, povezanega s plačilno storitvijo, ki se opravlja;

(b) 

znesek, ponovitev transakcije ali oboje;

(c) 

plačilni kanal, ki se uporablja za izvršitev transakcije.
Člen 98 4.
EBA do 13. januarja 2017 predloži Komisiji navedene osnutke regulativnih tehničnih standardov iz odstavka 1.

Na Komisijo se prenese pooblastilo za sprejetje navedenih regulativnih tehničnih standardov v skladu členi 10 do 14 Uredbe (EU) št. 1093/2010.
Člen 98 5.
EBA v skladu s členom 10 Uredbe (EU) št. 1093/2010 redno pregleduje in, če je ustrezno, posodablja regulativne tehnične standarde, da bi tako med drugim upošteval inovacije in tehnološki razvoj ter določbe poglavja II Uredbe (EU) 2022/2554.

1.1 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

Zahteve

3. Povezani standardi

Standardi
SCF Secure Practices Alignment Justification

Description

Mechanisms exist to align the organization's Security, Compliance & Resilience Program (SCRP) with one or more industry-recognized frameworks that:
(1) Support external scrutiny; and
(2) Provide defensible justification for secure practices.

Possible Solutions & Considerations

Micro-Small Business (<10 staff) / BLS Firm Size Classes 1-2

∙ Informal alignment with NIST CSF 2.0, SCF CORE Fundamentals, CIS Controls or another framework that meets the organization's needs.

Small Business (10-49 staff) / BLS Firm Size Classes 3-4

∙ Formal alignment with NIST CSF 2.0, SCF CORE Fundamentals, CIS Controls or another framework that meets the organization's needs.
∙ Gap analysis documentation
∙ Written justification for framework choices.

Medium Business (50-249 staff) / BLS Firm Size Classes 5-6

∙ Formal alignment to a framework or metaframework capable of addressing security, compliance and resilience needs.
∙ Documented gap analysis and justification
∙ GRC platform alignment reports (e.g., SCFConnect)

Large Business (250-999 staff) / BLS Firm Size Classes 7-8

∙ Formal alignment to a framework or metaframework capable of addressing security, compliance and resilience needs.
∙ Regulatory mapping evidence packages
∙ GRC platform with framework comparison reporting

Enterprise (> 1,000 staff) / BLS Firm Size Class 9

∙ Formal alignment to a framework or metaframework capable of addressing security, compliance and resilience needs.
∙ External auditor validation
∙ Board-level reporting on framework compliance
∙ GRC platform with automated framework mapping

SCR-CMM

Level 0 Not Performed

Practices are non-existent, based on the inability to demonstrate an implemented and operational capability. A reasonable person would conclude the control is not being performed.

Level 1 Performed Informally

Cybersecurity & Data Protection Governance (GOV) domain capabilities are ad hoc and inconsistent. Capability criteria associated with this control may include:
▪ Policies, standards & procedures associated with GOV domain capabilities provide limited coverage due to the depth and breadth of the existing documentation.
▪ Governance-related activities are decentralized (e.g., a localized/regionalized function) and uses non-standardized methods to implement secure, resilient and compliant practices.
▪ No formal Governance, Risk & Compliance (GRC) team exists. GRC roles are assigned to existing IT/cybersecurity personnel.
▪ Cybersecurity and data protection governance is informally assigned as an additional duty to existing IT/cybersecurity personnel.
▪ Basic procedures are established for important tasks, but are ad hoc and not formally documented.
▪ No formal cybersecurity and/or data protection principles are identified for the organization.
▪ Informal recommendations are leveraged to update existing policies and standards.
▪ The responsibility for developing and operating cybersecurity and data privacy procedures are up to the business process owner(s) to determine, including the definition and enforcement of roles and responsibilities.

Level 2 Planned Tracked

Cybersecurity & Data Protection Governance (GOV) capabilities are requirements-driven, but are not standardized across the entity (e.g., local/regional level consistency). Capability criteria associated with this control reasonably expect the following criteria to exist:
▪ Policies and standards associated with GOV domain capabilities are formally documented and centrally-managed by the entity.
▪ Standardized Operating Procedures (SOP) associated with GOV domain capabilities are documented and maintained by process owners.
▪ IT and/or cybersecurity personnel work with business stakeholders and process owners to appropriately scope and reasonably implement cybersecurity and data protection controls associated with GOV domain capabilities to address applicable statutory, regulatory and/or contractual requirements for Technology Assets, Applications, Services and/or Data (TAASD).
▪ Governance-related controls are primarily administrative and preventative in nature (e.g., policies, standards and procedures & guidelines).
▪ No formal Governance, Risk & Compliance (GRC) team exists. GRC roles are assigned to existing IT and/or cybersecurity personnel.
▪ IT and/or cybersecurity personnel ensure cybersecurity policies and standards are aligned with a leading cybersecurity framework (e.g., SCF, NIST 800-53, NIST 800-171, ISO 27002 or NIST Cybersecurity Framework).

Level 3 Well Defined

Cybersecurity & Data Protection Governance (GOV) capabilities are standardized across the entity for applicability to People, Processes, Technologies, Data and/or Facilities (PPTDF) to ensure consistency for Technology Assets, Applications, Services and/or Data (TAASD). Capability criteria associated with this control reasonably expect the following criteria to exist:
▪ Policies and standards associated with GOV domain capabilities are formally documented and centrally-managed by the entity's Governance, Risk & Compliance (GRC) team, or similar function.
▪ Standardized Operating Procedures (SOP) associated with GOV domain capabilities are well-documented and kept current by process owners.
▪ The entity's Governance, Risk & Compliance (GRC) team, or similar function, is appropriately staffed and supported to implement and maintain GOV domain capabilities to address Minimum Compliance Requirements (MCR) (e.g., applicable statutory, regulatory and/or contractual requirements) and Discretionary Security Requirements (DSR) (e.g., entity-required controls).
▪ Technology is leveraged to enhance the efficiency and accuracy of governance, risk management and compliance operations (e.g., GRC platform).
▪ An implemented and operational capability exists to align the organization's Security, Compliance & Resilience Program (SCRP) with one or more industry-recognized frameworks that:
(1) Support external scrutiny; and
(2) Provide defensible justification for secure practices.

Level 4 Quantitatively Controlled

Utilize SCR-CMM Level 3 criteria definitions:
▪ There are no defined Level 4 criteria, since it is reasonable to assume a quantitatively-controlled process is not necessary to operationalize this control.
▪ While it may be possible to develop “metrics-driven” capabilities for this control, the criteria would be organization-specific to define.

Level 5 Continuously Improving

Utilize SCR-CMM Level 3 or Level 4 (if available) criteria definitions:
▪ There are no defined Level 5 criteria, since it is reasonable to assume a continuously-improving process is not necessary to operationalize this control.
▪ Level 5 capabilities should be considered “world-class” where the control builds on Level 4 capabilities, but are continuously improving through Artificial Intelligence (AI) and/or Machine Learning (ML) technologies.
▪ While it may be possible to develop responsive capabilities for this control through the use of AI and/or ML technologies, the criteria would be organization-specific to define.