natgillin/translations-raw huggingface dataset:
The SCF defines a series of high-level principles and rules which « will enable banks , schemes and other stakeholders to move towards SEPA » and which banks and card schemes need to apply in order to pursue card business activity within SEPA .
SCF opredeljuje vrsto temeljnih načel in pravil , ki » bankam , shemam in drugim udeležencem omogočajo postopen prehod na SEPA « in ki ga morajo banke in kartične sheme spoštovati , če želijo izvajati kartične storitve v okviru SEPA .
The SCF defines the following three options among which card schemes should choose in order to position themselves in the SEPA card market ( combinations of these are also possible ) : Option 1 : To replace the national scheme by an international card scheme , provided the latter is SCF-compliant .
SCF opredeljuje naslednje tri možnosti , med katerimi kartične sheme lahko izbirajo , da bi se pozicionirale na kartičnem trgu okolja SEPA ( možne so tudi kombinacije teh treh možnosti ) : Prva možnost : zamenjava nacionalne sheme z mednarodno ( pod pogojem , da je ta skladna s SCF ) .
In this case , Visa or MasterCard cards would be issued and acquired in the country , meaning that there is no need to cobrand as cross-border transactions would automatically be covered by the same schemes .
Po tej možnosti se kartica Visa ali MasterCard izda in pridobi v državi , kar pomeni , da co-branding ni potreben , saj bi čezmejne transakcije samodejno pokrila ista shema .
Option 2 : To evolve through alliances with other schemes ( as is the case with the Euro Alliance of Payment Schemes ( EAPS ) , for example ) or through expansion to the entire euro area .
Druga možnost : razvoj preko povezav z drugimi shemami ( npr . Euro Alliance of Payment Schemes ( EAPS )) ali z razširitvijo na celotno euroobmočje .
In the case of an alliance of SEPAcompliant card schemes , the participants would follow an open interconnectivity approach ( e.g. by mutually agreeing to accept brands ) .
Pri povezavah s kartičnimi shemami , skladnimi s SEPA , bi udeleženci uporabljali enak pristop odprte povezljivosti ( npr . z dogovorom o medsebojnem sprejemanju blagovnih znamk ) .
Should a SEPA-compliant card scheme be expanded in the euro area , its cards would be used and accepted by cardholders and merchants located anywhere in the euro area .
Ob širitvi s SEPA skladne kartične sheme na euroobmočje bi kartice v shemi lahko uporabljali državljani in sprejemali trgovci , ki se nahajajo kjerkoli v euroobmočju ;
Option 3 : To co-brand a national scheme with an international scheme ( provided that both are SCF-compliant ) .
Tretja možnost : co-branding nacionalne sheme z mednarodno shemo ( pod pogojem , da sta obe skladni s SCF ) .
CURRENT DECISION TRENDS OF MARKET PARTICIPANTS REGARDING A SEPA FOR CARDS
SEDANJI TRENDI V ODLOČITVAH TRŽNIH UDELEŽENCEV GLEDE SEPA ZA KARTICE
Through a series of meetings with national and international card schemes , as well as with banking communities , the Eurosystem has gathered information on the main decision trends in view of SEPA migration , on the issues at stake and on some aspects for which banks / schemes requested the guidance / assistance of the Eurosystem .
Predstavniki Eurosistema so se v vrsti sestankov s predstavniki nacionalnih in mednarodnih kartičnih shem ter bančnih skupnosti seznanili z glavnimi trendi pri njihovem odločanju o migraciji v SEPA , odprtimi vprašanji in nekaterih vprašanjih , pri katerih so banke oz . sheme Eurosistem zaprosile za smernice ali pomoč .
Many card schemes and banks expressed their preference for co-branding .
Številne kartične sheme in banke so kot svojo prednostno izbiro navedle co-branding .
There is also some support for the second option , which is currently represented by only one initiative , EAPS .
Nekaj podpore je dobila druga možnost , ki jo trenutno predstavlja ena sama pobuda , namreč EAPS .
For the moment , the banks in two countries ( Belgium and Finland ) have decided to replace their national card schemes by international ones .
Zaenkrat so banke in dve državi ( Belgija in Finska ) sklenile , da nacionalne kartične sheme zamenjajo z mednarodnimi .
REPLACEMENT BY INTERNATIONAL BRAND Card schemes / banks which have opted to replace the national brand by an international one were motivated by time and easiness considerations .
banke , ki so se odločile , da nacionalno blagovno znamko zamenjajo z mednarodno , so to možnost izbrale zaradi časovnih omejitev in preproste izvedbe .
However , another factor might have been interchange fees , which are typically higher in international schemes than in national ones .
Vseeno je mogoče , da so jih k temu spodbudile tudi medbančne provizije , ki so v mednarodnih shemah praviloma višje kot v nacionalnih .
In principle , interchange flows should be neutral for the banking sector , but they are too often seen as a source of guaranteed revenues for the banks participating in the scheme ( especially issuers , of course ) .
V načelu bi morali biti medbančni tokovi za bančni sektor nevtralni , vendar banke , ki sodelujejo v shemi ( seveda predvsem izdajatelji ) , v njih pogosto vidijo tudi zanesljiv vir prihodkov .
THE EURO ALLIANCE OF PAYMENT SCHEMES ( EAPS ) Several card schemes / banks have recognised the political importance of building a euro area scheme .
EURO ALLIANCE OF PAYMENT SCHEMES ( EAPS ) Več kartičnih shem in bank se je zavedlo političnega pomena vzpostavitve kartične sheme na ravni euroobmočja .
For the moment , the only existing initiative under Option 2 is EAPS , which comprises as its founding members Electronic Cash and Deutsches Geldautomaten-System ( Germany ) , the Convenzione per la Gestione del marchio Bancomat ( COGEBAN , Italy ) , Eufiserv ( a European supplier of processing services for ATMs , based in Brussels ) , Link ( the UK 's ATM switch ) , Euro 6000 ( Spain ) and Multibanco ( Portugal ) .
Zaenkrat je edina predstavnica druge možnosti pobuda EAPS , ki povezuje ustanovne člane Electronic Cash in Deutsches Geldautomaten-System ( Nemčija ) , Convenzione per la Gestione del marchio Bancomat ( COGEBAN , Italija ) , Eufiserv ( evropski center s sedežem v Bruslju za procesiranje transakcij na bankomatih ) , Link ( britanski upravitelj mreže bankomatov ) , Euro 6000 ( Španija ) in Multibanco ( Portugalska ) .
Three more members -- Interpay ( Netherlands ) , Laser ( an Irish POS system ) and Activa ( another POS system in Slovenia ) -- are also expected to join .
Pobudi se bodo po pričakovanjih pridružili še trije člani : Interpay ( Nizozemska ) , Laser ( eden od irskih POS-sistemov ) in Activa ( POS-sistem v Sloveniji ) .
Implementation projects have already been set up by processors in Germany , Italy and the Netherlands .
Procesni centri v Nemčiji , Italiji in na Nizozemskem so že pripravili izvedbene načrte .
Those card schemes that support the EAPS justify their decision on the grounds that they incur higher costs within international card schemes , and lack control over their governance .
Kartične sheme , ki podpirajo EAPS , kot razlog za svojo odločitev navajajo dejstvo , da bi imele v mednarodnih kartičnih shemah višje stroške , obenem pa manj vpliva na njihovo upravljanje .
They also claim that the EAPS approach offers the possibility to enhance pan-European reach at lower costs , since it relies on existing infrastructures and national market acceptance , simply enabling interconnectivity .
Poleg tega naj bi EAPS olajšal delovanje na območju celotne Evrope ob nižjih stroških , saj uporablja obstoječo infrastrukturo in zagotavlja sprejem na nacionalnih trgih , kar olajšuje interoperabilnost .
EAPS may therefore offer a way to maintain the efficiency of existing national card payment systems within SEPA .
EAPS bi torej lahko predstavljal rešitev , ki ohranja učinkovitost obstoječih nacionalnih kartičnih plačilnih sistemov v okviru okolja SEPA .
However , some national card schemes have so far declined the invitation to join EAPS because they consider that the cost and level of complexity of establishing bilateral arrangements are too high , in conjunction with the perceived lack of a business case .
Vseeno nekatere nacionalne kartične sheme zaenkrat zavračajo vabila za vključitev v EAPS , ker menijo , da je oblikovanje dvostranskih dogovorov predrago in prezapleteno , projekt pa ni ekonomsko upravičen .
CO-BRANDING Those card schemes / banks that have opted for co-branding were motivated by the following considerations : -- most cards are already co-branded and this is a factor of ease ; this option requires less investment in terms of adapting ;
CO-BRANDING Kartične sheme oz . banke , ki so se odločile za co-branding , so motivirali naslednji dejavniki : -- večina kartic je že označenih z dvema znamkama ( co-branded ) , kar poenostavlja prehod zaradi nižjih investicijskih stroškov ;
-- there is ( near ) universal acceptance of cards issued under international card schemes ;
-- kartice , ki so izdane v okviru mednarodne kartične sheme , so sprejete ( skoraj ) povsod ;
-- co-branding allows schemes and banks to retain some degree of « internal governance » or local autonomy ;
-- co-branding shemam in bankam omogoča , da ohranijo določeno raven » notranjega upravljanja « oziroma lokalno avtonomijo ;
-- it is possible to meet specif ic local requirements without any deterioration in the service level ;
-- specifične lokalne zahteve je mogoče izpolniti , ne da bi se znižala kakovost storitev ;
ECB The Eurosystem 's view of a « SEPA for cards » November 2006
-- razmeroma lahko je doseči skladnost z zahtevami SEPA . ECB Stališče Eurosistema do „SEPA za kartice » November 2006
-- it is relatively easy to declare SEPAcompliant . 4
4 . STALIŠČE EUROSISTEMA O „SEPA ZA KARTICE "
THE EUROSYSTEM' S VIEW OF A SEPA FOR CARDS In a SEPA for cards , card schemes will operate as if in a single country .
V okolju SEPA za kartice bodo kartične sheme delovalo enako , kot če bi bile vse v eni državi .
A SEPA for cards will have the following characteristics : 1 ) consumers can choose among various competing payment card schemes which do not have a pre-assigned priority in use at POS terminals ;
SEPA za kartice bo imela naslednje značilnosti : 1 ) uporabniki lahko izbirajo med različnimi konkurenčnimi kartičnimi shemami , ki nimajo vnaprej določene prioritete na terminalih prodajnih mest ( POS ) ;
2 ) there is a competitive , reliable and costefficient card market , including service and infrastructure providers ;
2 ) obstaja konkurenčen , zanesljiv in stroškovno učinkovit trg plačilnih kartic , ki vključuje tudi ponudnike storitev in infrastrukture ;
3 ) all the technical and contractual provisions , business practices and standards which had resulted in a national segmentation of the euro area have been eliminated .
3 ) vsa tehnična in pogodbena določila , poslovne prakse in standardi , ki so v preteklosti povzročali nacionalno segmentacijo euroobmočja , so odpravljeni .
In particular , there is no obstacle for merchants to accept any SCF-compliant payment cards .
Še zlasti velja , da trgovci lahko neovirano sprejemajo vse plačilne kartice , ki so skladne z okvirom delovanja SCF .
Three-party schemes such as American Express and Diners are also expected to abide by the SEPA compliance principles .
Načela skladnosti s SEPA bodo po pričakovanjih spoštovale tudi tristranske sheme , kot sta American Express in Diners .
The rules and conditions for the same card cannot differ for reasons of geographical location .
Pravila in pogoji uporabe se za isto kartico ne morejo razlikovati zaradi geografskih razlogov .
When SEPA becomes a truly integrated card market , the two key characteristics will be card acceptance and competition .
Ko bo SEPA postala dejansko povezan kartični trg , bosta ključna dejavnika sprejemljivost kartic in konkurenca .
CARD ACCEPTANCE Within SEPA , there should not be any technical hurdle ( or any other kind of obstacle ) for any card to be used at any terminal .
SPREJEMLJIVOST KARTIC V okviru SEPA ne sme biti tehničnih ( ali drugih ) ovir , ki bi na katerem koli terminalu onemogočale sprejem katere koli kartice .
The technical acquiring conditions of competing schemes in SEPA should be such that merchants are indifferent to what brand of card they accept .
Pogoji konkurenčnih shem v SEPA za tehnično pridobitev bi morali biti oblikovani tako , da je trgovcem vseeno glede blagovne znamke kartice , ki jo sprejmejo .
Schemes should ensure that the necessary technical standards are in place for this .
Sheme bi morale zagotoviti , da obstajajo za to potrebni tehnični standardi .
Actual acceptance should only depend on the perceived business case for the merchants .
Dejanski sprejem bi moral biti odvisen edino od pričakovanih poslovnih prednosti za trgovce .
It is up to each merchant to decide which brands / types of cards to accept .
Trgovci se lahko svobodno odločijo , katere blagovne znamke / vrste kartic sprejemajo .
However , in a competitive , integrated and mature market , it will be in the commercial interest of merchants to accept most euro area brands -- as is currently the case for national brands in national markets .
Vendar pa bo na konkurenčnem , povezanem in zrelem trgu v interesu trgovcev , da sprejmejo večino blagovnih znamk iz euroobmočja -- enako , kot zdaj velja za nacionalne blagovne znamke na nacionalnih trgih .
Therefore , acceptance will not be compulsory , but it is expected that it will gradually reach its development potential .
Sprejem torej ne bo obvezen , se pa pričakuje , da bo postopno dosegel svoj razvojni potencial .
SEPA compliance for card schemes does not entail that their cards have to be issued and / or acquired in all euro area countries .
Skladnost s SEPA za kartične sheme ne pomeni , da morajo biti njihove kartice izdane oziroma sprejete v vseh državah članicah euroobmočja .
The degree of expansion is a business decision .
Stopnja širitve je odvisna od poslovne odločitve sheme .
However , schemes should lay down fair and open access criteria for potential member banks located anywhere in the euro area , under the same conditions as national commercial banks .
Vseeno pa bi sheme morale opredeliti poštene in jasne kriterije za pristop zainteresiranih bank , ki se nahajajo kjer koli v euroobmočju , pod enakimi pogoji kot za nacionalne poslovne banke .
It is also seen as a natural long-term development that in a competitive , integrated and mature market , the remaining schemes will broadly cover the entire euro area , in the same way that national schemes are currently largely accepted in their national markets .
Poleg tega je mogoče pričakovati , da bo naravni dolgoročni razvoj dogodkov pripeljal do tega , da bodo na konkurenčnem , povezanem in zrelem trgu preostale sheme večinoma pokrivale celotno euroobmočje , podobno kot so nacionalne sheme danes večinoma sprejete na nacionalnih trgih .
COMPETITION The conditions which lay the ground for SEPA should be in place and should address technical , legal and commercial aspects : TECHNICAL CONDITIONS Uniform standards will ensure a technical level playing-field for all euro area card schemes and infrastructure / service providers .
KONKURENCA Pogoji , ki vzpostavljajo SEPA , bi morali biti izpolnjeni in bi morali obravnavati tehnična , pravna in poslovna vprašanja : TEHNIČNI POGOJI Enotni standardi bodo zagotovili tehnično enake konkurenčne pogoje za vse kartične sheme ter ponudnike infrastrukture in storitev v euroobmočju .
Standards should cover every phase of the transaction chain ( cardholder-to-terminal , terminal-toacquirer , acquirer-to-issuer ) and the security evaluation and certification of technical devices ( in particular concerning terminals whereas standards and an adequate and independent certification body need to be set up in order to ensure that different payment applications coexist ) and also focus on preventing fraud .
Standardi bi morali pokrivati vse člene v transakcijski verigi ( od imetnika kartice do terminala , od terminala do pridobitelja , od pridobitelja do izdajatelja ) , varnostno oceno in certifikacijo tehničnih naprav ( še zlasti glede terminalov , kjer je treba vzpostaviti standarde in ustrezen neodvisni certifikacijski organ , da se zagotovi soobstoj različnih plačilnih aplikacij ) . Obenem bi morali standardi prispevati tudi k preprečevanju zlorab .
It is important that all stakeholders are free to participate in the definition of standards , which should be neutral , future-oriented and not nationally biased , with the aim of guaranteeing universal adoption and avoiding placing particular infrastructure / service providers in a better starting position .
nacionalno nepristranski , oblikovani tako , da zagotavljajo splošen sprejem in preprečujejo možnost , da bi določen ponudnik storitev ali infrastrukture dobil ugodnejši izhodiščni položaj .
Standardisation will empower competition forces ( which up to now have been limited within national borders ) , and will encourage efficiency , innovation , and better services and prices .
Standardizacija bo okrepila konkurenco ( ki je bila doslej omejena na nacionalno raven ) in prispevala k večji učinkovitosti in inovativnosti ter boljšim storitvam ob nižjih cenah .
The EPC is currently working on such standards , which the Eurosystem expects will be compulsory for all stakeholders .
EPC je že začel s pripravo takšnih standardov , za katere Eurosistem pričakuje , da bodo obvezni za vse udeležene .
LEGAL CONDITIONS Current regulatory differences across the euro area create legal uncertainty for cross-border operations and function as barriers .
PRAVNI POGOJI Sedanje regulativne razlike med državami članicami euroobmočja ustvarjajo pravno negotovost za čezmejne operacije in delujejo kot ovire .
The Payment Services Directive will fill the current void and provide the necessary legal certainty for the expansion of operations across the euro area .
Direktiva o plačilnih storitvah bo zapolnila sedanjo praznino in zagotovila potrebno pravno gotovost za širitev operacij na euroobmočje .
Even if the transposition of the Directive into national law is not completed by 1 January 2008 , the Directive itself will provide sufficient legal certainty to the parties concerned .
Tudi če vključitev direktive v nacionalno zakonodajo ne bo končana do 1 . januarja 2008 , bo zadevnim strankam zadostno pravno gotovost zagotavljala že direktiva sama .
In addition , the Commission needs to define interchange fee principles that apply to the entire euro area as soon as possible .
Poleg tega mora Evropska komisija čim prej opredeliti načela glede medbančnih provizij , ki veljajo v euroobmočju .
The decisions of national and European authorities on specific interchange fee cases need to be aligned and coherent .
Odločitve nacionalnih in evropskih oblasti o konkretnih primerih medbančnih provizij morajo biti medsebojno usklajene in logično povezane .
COMMERCIAL CONDITIONS The elimination of commercial barriers such as diverging national business rules and practices is also intrinsic to the emergence of a SEPA for cards ;
POSLOVNI POGOJI Za vzpostavitev okolja SEPA za kartice je nujna tudi odprava poslovnih ovir , kot so različna nacionalna poslovna pravila in prakse , zato bi te ovire do 1 .
these barriers should therefore be eliminated by 1 January 2008 .
januarja 2008 morale biti odpravljene .
Diverging national commercial practices obstruct the development of SEPA-wide business proposals .
Različne nacionalne poslovne prakse ovirajo pripravo poslovnih predlogov za celotno SEPA .
The EPC has addressed this problem by agreeing on the SCF , although this is rather general when it comes to practical implementation .
Za rešitev tega problema je Evropski svet za plačila sprejel okvir delovanja SEPA za kartice , ki pa je dokaj splošen glede vprašanj praktične izvedbe .
RISKS RELATED TO SEPA MIGRATION
TVEGANJA , POVEZANA Z MIGRACIJO V SEPA
Concerning the feasibility of the options : -- the replacement of a national scheme by an international one , i.e. Option 1 , is relatively easier and quicker to implement from the point of view of banks , since most of them are already cooperating with Visa / MasterCard within the current co-branding framework ;
Glede izvedljivosti različnih možnosti : -- 1 . možnost -- zamenjava nacionalne sheme z mednarodno -- je za banke lažje in hitreje izvedljiva , ker večina že sodeluje z Visa / MasterCard v obstoječem okviru co-brandinga ;
-- expansion or alliances , i.e. Option 2 , need to overcome some difficult challenges such as explaining to cardholders the use / acceptance of such cards in other countries ( e.g. the establishment of a brand ) or designing agreements between schemes that partly function in different ways .
možnost -- širitev ali povezovanje -- bi morala rešiti nekaj zahtevnih vprašanj , npr . imetnikom kartic pojasniti uporabo in sprejem takšnih kartic v drugih državah ( npr .
Furthermore , the success of such initiatives depends on participation : in the case of expansion , the number of foreign banks issuing and acquiring the cards and of merchants accepting them is critical for success .
Poleg tega je uspeh take pobude odvisen od sodelovanja -- v primeru širitve bi bilo za uspeh odločilno število bank , ki bi izdajale in pridobivale kartice , kot tudi število trgovcev , ki kartice sprejemajo .
In the case of alliances , the number of participating schemes is crucial ;
V primeru povezovanja pa bi bilo odločilno število sodelujočih shem ;
-- co-branding , i.e. Option 3 , seems to be a relatively easy option to follow as this is currently the case in most countries ;
-- 3 . možnost -- co-branding -- se zdi razmeroma preprosta izbira , saj že obstaja v večini držav .
however , SEPA should allow international schemes to compete with national ones for national transactions .
Vseeno bi morala SEPA mednarodnim shemam omogočati tudi to , da z nacionalnimi shemami tekmujejo za domače transakcije .
Concerning the degree of SEPA compliance of the options : -- the replacement of a national scheme by an international one , i.e. Option 1 , is fully SEPA-compliant , provided that transactions within the country and between different euro area countries are not subject to different conditions for the same card .
Glede stopnje skladnosti različnih možnosti s SEPA : -- 1 . možnost -- zamenjava nacionalne sheme z mednarodno -- je povsem skladna s SEPA , pod pogojem , da za transakcije v državah in med državami euroobmočja ne veljajo različni pogoji , ko gre za isto kartico .
There has to be a euro area service that is fully adjusted to the SEPA requirements ( of course , the scheme is free to adapt its service outside SEPA to the SEPA requirements in order to simplify its operations ) ; ECB The Eurosystem 's view of a « SEPA for cards » November 2006
Obstajati mora storitev euroobmočja , ki je povsem prilagojena zahtevam SEPA ( seveda se shema lahko odloči za prilagoditev svoje storitve zahtevam SEPA tudi izven SEPA , da bi poenostavila svoje poslovanje ) ;
-- expansion or alliances , i.e. Option 2 , are fully SEPA-compliant , provided that the SEPA requirements are met and that national markets are open to competition ;
možnost -- širitev ali povezovanje -- je povsem skladna s SEPA , pod pogojem , da so izpolnjene zahteve SEPA , nacionalni trgi pa odprti za konkurenco ;
-- co-branding , i.e. Option 3 , is in principle SEPA-compliant , provided that the SEPA requirements are met by all national card payment schemes and that national markets are open to competition .
-- 3 . možnost -- co-branding -- je povsem skladna s SEPA , pod pogojem , da vse nacionalne kartične sheme izpolnjujejo zahteve SEPA , nacionalni trgi pa so odprti za konkurenco .
However , even if Options 1 and 3 can clearly help banks and card schemes to be SEPAcompliant by 1 January 2008 , they nevertheless give rise to concerns in the long run .
možnost bankam in kartičnim shemam resda omogočata , da se s SEPA uskladijo še pred 1 . januarjem 2008 , vseeno pa so z njima na dolgi rok povezana nekatera vprašanja .
Concerning Option 1 , the Eurosystem welcomes the willingness of Visa and MasterCard to offer a domestic service for the euro area .
V zvezi s 1 . možnostjo Eurosistem pozdravlja pripravljenost Visa in MasterCard , da v euroobmočju ponudita storitev domačih transakcij .