natgillin/translations-raw huggingface dataset:
However , the Eurosystem is concerned about the emergence of a situation whereby the two international card schemes would progressively become the only providers of card payment services offered by banks in the euro area .
Kljub temu izraža zaskrbljenost nad možnostjo , da bi dve mednarodni kartični shemi postopno postali edini ponudnici storitev kartičnih plačil v ponudbi bank euroobmočja .
Indeed , interchange fees are higher with Visa and MasterCard than with national schemes .
Medbančne provizije so v okviru Visa in MasterCard dejansko višje kot pri nacionalnih shemah .
Therefore the extension of the use of these two schemes at the domestic level creates the risk that merchants could have to pay higher fees .
Zato razširitev teh dveh shem na domačo raven predstavlja tveganje , da bodo morali trgovci plačevati višje provizije .
For this reason , merchants have expressed significant concerns about the side-effects of SEPA migration .
Slednji so že izrazili veliko zaskrbljenost glede stranskih učinkov migracije v SEPA .
In Belgium , for example , it was decided that Bancontact / MisterCash , a very efficient and low-cost scheme without interchange fees , will be replaced by Maestro .
Tako je bilo na primer v Belgiji odločeno , da bo Maestro zamenjal sedanji Bancontact / MisterCash , ki je zelo učinkovita in nizkocenovna shema brez medbančnih provizij .
Belgian merchants have expressed fears that this may lead to the introduction of interchange fees , thus raising merchants » service charges .
Belgijski trgovci se bojijo , da bi bile zaradi tega uvedene medbančne provizije , kar bi dvignilo tudi provizije , ki jih morajo plačevati sami .
As a result , the Eurosystem fears that competition limited to the two systems would be insufficient to maintain the present low level of fees in Europe .
Eurosistem se zaradi teh razlogov boji , da konkurenca , omejena na ta dva sistema , ne bi zadoščala za ohranitev trenutno nizke ravni provizij v Evropi .
Concerns about competition conditions have been exacerbated by governance aspects .
Zaskrbljenost v zvezi s konkurenčnimi pogoji se je še povečala zaradi vprašanja samega upravljanja shem .
MasterCard recently changed its ownership structure from a membership userdriven model to a shareholder-driven solution .
MasterCard je namreč nedavno spremenil svojo lastniško strukturo iz članskega modela , ki temelji na zahtevah uporabnikov , v model , ki temelji na zahtevah delničarjev .
Visa has also announced similar intentions , though Visa Europe will preserve its membership association structure .
Visa je prav tako napovedala podobne načrte , čeprav bo Visa Europe ohranila svojo člansko strukturo .
The Eurosystem is not opposed per se to any shareholder-driven solutions , but it does consider that these could lead to excessive price increases if the number of competitors is insufficient .
Eurosistem v načelu sicer ne nasprotuje rešitvam , ki temeljijo na interesih delničarjev , vendar meni , da bi lahko povzročile čezmerna povečanja cen , če bi bilo število konkurenčnih ponudnikov prenizko .
The existence of at least one more European bank-owned scheme would lessen the risk of price increases .
Tveganje višjih cen bi bilo manjše , če bi obstajala vsaj še ena shema v lasti katere od evropskih bank .
Finally , Option 3 could crystallise national fragmentation .
Končno , 3 . možnost bi lahko trajno utrdila nacionalno razdrobljenost .
If the card industry massively opts in favour of co-branding and this situation becomes permanent , economies of scale would not materialise in the euro area , and competition between national schemes would remain limited .
Če se panoga kartičnih shem množično odloči za co-branding in takšna struktura postane trajna , v euroobmočju ne bo mogoče izkoristiti prednosti ekonomij obsega , konkurenca med nacionalnimi shemami pa bo ostala omejena .
Therefore , co-branding cannot be the only , or even the main , solution in the long term .
Zato co-branding na dolgi rok ne more biti edina ali celo glavna rešitev .
Rather , it should mostly be seen as a short-term solution designed to facilitate SEPA compliance by 2008 and 2010 .
Bolj smiselno bi ga bilo razumeti kot kratkoročno rešitev , ki je namenjena lažji uskladitvi s SEPA do leta 2008 in 2010 .
PUBLIC POLICY PROVISIONS
DOLOČBE JAVNIH POLITIK
Given the risk that SEPA migration could translate into a deterioration of conditions for both cardholders and merchants , which would in turn also affect banks and could give SEPA a very negative image , the Eurosystem deems it necessary to clarify a series of policy provisions that need to be taken into consideration by schemes / banks , in addition to the requirements of the EPC 's SCF , in order to operate within SEPA .
Glede na tveganje , da bi se migracija v SEPA lahko sprevrgla v poslabšanje pogojev tako za imetnike kartic kot za trgovce , kar bi spet vplivalo na banke in bi se lahko odrazilo v zelo negativni podobi SEPA , se zdi Eurosistemu potrebno , da pojasni niz določb javnih politik , ki jih morajo sheme in banke upoštevati poleg okvira delovanja SEPA , ki ga je izdal Evropski svet za plačila , če želijo delovati v SEPA .
EMERGENCE OF A EUROPEAN CARD SCHEME National card schemes generally offer efficient and inexpensive card payment services in the national markets .
POJAV EVROPSKE KARTIČNE SHEME Nacionalne kartične sheme na splošno nudijo učinkovite in nedrage storitve plačevanja s karticami na nacionalnih trgih .
A SEPA for cards could capitalise on this in order to ensure an equally efficient and inexpensive service for the entire euro area market .
SEPA za kartice bi lahko to izkoristila za zagotovitev prav tako učinkovitih in ugodnih storitev na celotnem trgu euroobmočja .
As a result , the Eurosystem expects at least one European card scheme to emerge in the coming years .
Eurosistem zato pričakuje , da se bo v prihodnjih letih pojavila vsaj ena evropska kartična shema .
It will of course be up to the banks to decide whether this scheme should have international reach , or whether the scheme will
Seveda se bodo morale banke same odločiti , ali naj ima ta shema mednarodni doseg ali pa naj zgolj sprejme co-branding z mednarodnimi kartičnimi shemami , ko gre za ponudbo plačilnih storitev izven euroobmočja .
ECB The Eurosystem 's view of a « SEPA for cards » November 2006 co-brand with international card schemes to offer payment services outside the euro area .
ECB Stališče Eurosistema do „SEPA za kartice » November 2006
For such a scheme or schemes to emerge , the SCF provides two sub-options as examples : 1 ) expansion to the euro area , which implies important efforts to make the brand known and accepted by merchants outside its country of origin , and 2 ) alliances , which require agreements between schemes that typically do not function the same way .
na euroobmočje : pri tej možnosti so posebej pomembne dejavnosti , s katerimi blagovna znamka postane znana in jo sprejemajo trgovci izven države izvora ; 2 ) povezovanje : ta možnost terja dogovore med shemami , ki običajno ne delujejo na enak način .
Both strategies are certainly highly challenging , as a series of elements will have to be put in place that are taken for granted in existing business proposals .
Obe strategiji sta nedvomno izjemno zahtevni , saj predpostavljata vrsto elementov , ki v obstoječih poslovnih predlogih veljajo za samoumevne , dejansko pa jih je treba šele vzpostaviti .
The Eurosystem is well aware of the degree of complexity and the risks of such an undertaking in terms of governance , decision-making and the creation of a brand .
Eurosistem se zaveda izjemne kompleksnosti in tveganosti takšnega podviga , ko gre za vprašanja upravljanja , odločanja in oblikovanja blagovne znamke .
Nevertheless , the Eurosystem expects that the respective national card schemes should define their strategies as soon as possible , despite the clearly complex nature of the issue .
Vseeno pričakuje , da bodo ustrezne nacionalne kartične sheme kljub očitni zahtevnosti tega vprašanja čim prej oblikovale svoje strategije .
THE INTERCHANGE FEE ISSUE Interchange fees , which are paid by the acquirers ( and ultimately by the merchants ) to the issuing banks , have been an efficient instrument in terms of promoting the adoption of cards by European citizens .
VPRAŠANJE MEDBANČNIH PROVIZIJ Medbančne provizije , ki jih banki izdajateljici plačajo banke pridobiteljice ( in na koncu trgovci ) , so doslej delovale kot učinkovita spodbuda evropskim državljanom , da sprejmejo kartice .
However , such fees can also be an obstacle to competition as they reduce the ability of merchants to negotiate the fees they pay to their acquirers .
Vendar takšne provizije konkurenco lahko tudi ovirajo , saj trgovcem otežujejo pogajanja o provizijah , ki jih plačujejo svojim bankam pridobiteljicam .
The current uncertainty with respect to how interchange fees will evolve in the future is considered by banks and schemes to be one of the main factors delaying SEPA-related decisions and hampering the completion of business proposals .
Sedanja negotovost glede prihodnjega razvoja medbančnih provizij je po mnenju bank in shem eden glavnih dejavnikov , ki povzroča zamude pri odločanju o SEPA in ovira dokončanje poslovnih predlogov .
The Commission issued the Sector Inquiry Report on cards , which dealt mainly with interchange fees , and gave the general impression that an abolition of interchange fees could be envisaged .
Komisija je izdala poročilo o raziskavi panoge kartičnih shem , ki je v glavnem obravnavalo medbančne provizije in pustilo splošen vtis , da bi jih bilo mogoče odpraviti .
The Eurosystem would like to invite the Commission to announce as soon as possible its policy with regard to interchange fees .
Eurosistem zato vabi Komisijo , da čim prej predstavi svojo politiko glede medbančnih provizij .
In case this policy substantially differs from current conditions , the Commission is invited to provide appropriate adaptation times , in order to avoid market disruption .
Če bo ta politika bistveno odstopala od sedanjih razmer , se od Komisije pričakuje , da bo zagotovila ustrezno prehodno obdobje , da proces prilagajanja ne bi povzročil motenj na trgu .
The decisions of European and national competition authorities also urgently need to be aligned , especially in terms of adopting a coherent stance across the euro area .
Prav tako je nujno , da evropski in nacionalni organi za varstvo konkurence čimprej uskladijo svoje odločitve , kar še zlasti pomeni , da sprejmejo koherentno stališče za celotno euroobmočje .
This would greatly facilitate new market initiatives in particular .
S tem bi močno spodbudili predvsem nove tržne pobude .
The policy principles that apply to interchange fees should also contribute to a level playingfield for all card schemes .
Načela politike , ki veljajo za medbančne provizije , bi morala prispevati tudi k enakim konkurenčnim pogojem za vse kartične sheme .
Furthermore , transparency needs to be enhanced : interchange fees should be made publicly available on the internet . The calculation method which led to their determination should , if possible , be submitted to the competition authorities for approval .
Poleg tega je treba izboljšati preglednost delovanja : medbačne provizije bi morale biti javno dostopne na internetu , metode za njihovo izračunavanje pa bi bilo treba , kjer je to mogoče , predložiti pristojnim organom v odobritev .
FOSTERING COMPETITION The move to SEPA should not consist just in making current national payment services accessible throughout the euro area . SEPA , given its user-oriented nature , should be seen as an opportunity to improve the quality and efficiency of payment services by reducing costs .
KREPITEV KONKURENCE Prehod na SEPA ne bi smel pomeniti zgolj to , da nacionalne plačilne storitve postanejo dostopne v vsem euroobmočju . SEPA bi zaradi naravnanosti k uporabnikom morali razumeti prej kot priložnost za izboljšanje kakovosti in učinkovitosti plačilnih storitev ter znižanje stroškov .
To ensure the dynamism of the European card market , European payments need to retain their competitive edge , and a forward-looking approach must be adopted .
Za dinamičen evropski kartični trg morajo evropska plačila ohraniti svojo konkurenčno prednost , hkrati pa bi bilo treba sprejeti v prihodnost usmerjen pristop .
Competition would contribute in terms of reaching these objectives , and would take place at three levels : between card schemes ;
Konkurenca bi olajšala doseganje teh ciljev in bi potekala na treh ravneh : med kartičnimi shemami ;
between issuing and acquiring banks ;
med bankami izdajateljicami in pridobiteljicami ;
and in processing card payments . -* ACQUIRING AND ACCEPTANCE PRACTICES To ensure a level playing-field for all at the European level , the Commission is invited to clarify its position with respect to the following acquiring and acceptance practices which are linked to competition and transparency : -- any fee-related restrictions to cross-border acquiring in the euro area ;
-* PRAKSE PRIDOBIVANJA IN SPREJEMANJA Za zagotovitev enakih konkurenčnih pogojev na evropski ravni Eurosistem vabi Komisijo , da pojasni svoje stališče glede naslednjih praks pridobivanja in sprejemanja , ki so povezane s konkurenco in preglednostjo delovanja : -- vse s provizijami povezane omejitve čezmejnega pridobivanja v euroobmočju : vsa pravila , ki zmanjšujejo koristi čezmejnega pridobivanja , in s tem spodbude zanj , je treba odpraviti ; -- „spajanje » provizij kartičnih shem , ki jih banke pridobiteljice zaračunavajo trgovcem ( kar pomeni ponudbe za pridobitev transakcij pod različnimi blagovnimi znamkami oz .
any rules that reduce the benefits and thus the incentives for cross-border acquiring need to be removed ;
shemami nasproti enotni proviziji ( v paketu )) . Ta ukrep prikriva razlike v provizijah med shemami in s tem ovira konkurenco ;
-- the « blending » of card scheme fees applied by acquirers to merchants ( meaning the offer to acquire transactions under different brands / schemes against a single ( package ) merchant service commission ) . This measure conceals fee differentiations between schemes , and thus hampers competition ;
prepovedi trgovcem , da bi zahtevali doplačilo za kartična plačila , če so ta dražja od drugih instrumentov ; izvajanje pravila » sprejema vseh kartic « ( honour all cards ) za trgovce ( ki bi morali obvezno sprejeti vse sheme določene blagovne znamke ) .
-- the prohibition on merchants to surcharge payments by cards if the latter are more costly than other instruments ; -- the application of an « honour all cards » rule to merchants ( making it compulsory to accept all schemes of a given card brand ) .
zagotoviti s kartičnimi standardi , ki so trenutno v razvoju . V zvezi s terminali je še posebej pomembno , da se oblikujejo standardi in vzpostavi neodvisen certifikacijski organ ter tako zagotovi možnost soobstoja različnih plačilnih aplikacij in odpravi morebitne tehnične ovire za sprejem katere koli kartice na katerem koli terminalu .
-* PROCESSING In line with the general policy of the Eurosystem in the field of market infrastructures , banks should have different possibilities to process card payments . Contractual obligations between banks and card schemes that request the use of a particular channel should be eliminated .
Usklajene in primerne varnostne zahteve so potrebne za enoten proces ocene varnosti . Dve težavi , s katerima se bo morala soočiti tako nova evropska kartična shema kot tudi sedanje nacionalne sheme v okolju SEPA , sta pokritje celega euroobmočja ter vzpostavitev mreže za obdelavo transakcij .
Vertical integration needs to be replaced by more open and flexible market structures , fostering competition and allowing economies of scale to be realised .
V panogi bi za obdelavo novih kartičnih produktov / shem SEPA lahko preučili tudi možnost uporabe sedanjih plačilnih infrastruktur , še zlasti infrastrukture za direktne bremenitve .
The separation of scheme management and processing services , as required in the SCF , needs to be actual and not just on paper .
Plačilno funkcijo je treba jasno opredeliti , različni programski dodatki , kot so na primer programi zvestobe , pa ne bi smeli ovirati interoperabilnosti .
For example , cross-subsidisation between card schemes and their processing units or offers of bundled services are not acceptable . STANDARDISATION To ensure cardholders can use their SEPA cards across SEPA , it is important to ensure that merchants are able and willing to accept all SEPA cards , or at least all the cards that are relevant for them .
Vse stranke morajo imeti možnost , da sodelujejo pri oblikovanju in izbiri standardov , rezultat pa mora biti zavezujoč za vse , če naj se zagotovi , da bodo standardi , še zlasti v fazi terminal-banka pridobiteljica , zadovoljevali potrebe vseh udeležencev , predvsem trgovcev in imetnikov kartic .
To secure this objective , work on standardisation is of the utmost importance .
Nihče ne sme imeti možnosti nesprejetja oz .
Technology should not be a barrier to competition .
opt-out in roki za uvedbo morajo biti jasno določeni .
Uniform standards will entail a technical level playing-field for all euro area card schemes and infrastructure / service providers .
Tehnični standardi sami po sebi ne morejo zagotoviti , da bo vsak imetnik svojo kartico lahko uporabil povsod v območju SEPA .
Standards should cover every phase of the transaction chain ( cardholder-to-terminal , terminal-to-acquirer , acquirer-to-issuer ) , as
Da bi imetniki svoje kartice lahko uporabljali na vseh terminalih , bodo morda potrebne dodatne zahteve , na primer na področju poslovnih pravil in praks .
well as the security evaluation and certification of technical devices .
To bo prispevalo tudi k enakim konkurenčnim pogojem za vse kartične sheme .
Interoperability standards should be mandatory , and should be finalised swiftly in order to facilitate migration to SEPA .
VARSTVO PODATKOV Kartična plačila vsebujejo osebne podatke , ki so v EU močno zaščiteni .
The EPC should investigate how the objectives of the SCF , especially interoperability , could be ensured by the card standards which are currently being developed .
EU je s sprejetjem Direktiv 95/46 / ES in 2002/58 / ES vzpostavila pravni okvir , ki omogoča tako varovanje osebnih podatkov kot tudi njihov prost pretok med
Concerning terminals in particular , standards plus an adequate and independent certification body should be set up to ensure the coexistence of different payment applications , so that there is no technical hurdle for any card to be accepted at any terminal . Harmonised and adequate security requirements are needed for a common evaluation process .
-* PROCESIRANJE V skladu s splošno politiko Eurosistema na področju tržne infrastrukture bi morale banke imeti različne možnosti za procesiranje kartičnih plačil . Pogodbene obveznosti med bankami in kartičnimi shemami , ki zahtevajo uporabo določenega kanala , bi bilo treba odpraviti .
Two general problems facing a new European card scheme and the current national schemes in the SEPA environment are euro area-wide reachability and the establishment of a transactionprocessing network .
Vertikalno integracijo bi morale zamenjati bolj odprte in prilagodljive tržne strukture , ki bi pospeševale konkurenco in omogočale koriščenje ekonomij obsega .
The industry could also study the possibility of using the current payment infrastructures , in particular the direct debit ones for the processing of new SEPA card products / schemes .
Ločitev upravljanja shem in storitev procesiranja , ki jo zahteva okvir delovanja , bi morala biti dejanska in ne zgolj na papirju .
The payment function needs to be clearly defined , and the various add-ons such as loyalty programmes should not hamper interoperability .
Tako na primer ni sprejemljivo navzkrižno subvencioniranje med kartičnimi shemami in njihovimi centri za procesiranje , ali ponujanje vezanih storitev .
Participation in the definition / choice of standards must be open and the outcome mandatory for all parties in order to ensure that standards , especially in the terminal-to-acquirer domain , adequately satisfy the needs of all stakeholders , particularly merchants and cardholders .
STANDARDIZACIJA Da bi imetniki kartic svoje kartice SEPA lahko uporabljali v celotnem območju SEPA , morajo biti trgovci sposobni in pripravljeni sprejeti vse kartice SEPA ali vsaj tiste , ki so zanje smiselne .
There cannot be any opt-out options , and a clear implementation deadline needs to be defined .
Tehnologija ne bi smela ovirati konkurence . Enotni standardi bodo zagotovili tehnično enake konkurenčne pogoje za vse kartične sheme euroobmočja in ponudnike infrastrukture oz .
Technical standards alone cannot ensure that the aim of making it possible for every cardholder to use his or her card throughout SEPA is realised . Additional requirements might be needed , for example in the field of business rules and practices , to ensure that cardholders can use their card at every terminal .
Standardi bi morali zajeti vsak člen v transakcijski verigi ( imetnik kartice-terminal , terminal-banka pridobiteljica , banka pridobiteljica-banka izdajateljica ) , kot tudi varnostno oceno in certifikacijo tehničnih naprav . Standardi interoperabilnosti bi morali biti obvezni ter bi jih bilo treba čim prej dokončati , da se olajša migracijo v SEPA .
This will also contribute to creating a level playing-field for inter-scheme competition .
Evropski svet za plačila ( EPC ) bi moral preučiti , kako bi bilo izpolnjevanje ciljev SCF , še zlasti interoperabilnost , mogoče
DATA PROTECTION Card payments contain personal data , a topic that is extensively protected by EU legislation . The EU has set up a legal framework enabling both the protection of personal data and the free circulation of such data among Member States , by means of the adoption of Directives 95/46 / EC and 2002/58 / EC .
državami članicami . Glede odtoka podatkov iz EU evropski okvir načeloma dovoljuje prenose samo v tiste tretje države , ki jamčijo za ustrezno raven varovanja , primerljivo s standardi , ki se uporabljajo v EU .
With regard to data flowing outside the EU , the European framework in principle only allows transfers to third countries that guarantee an adequate level of protection which corresponds to the standards applicable within the EU .
Prenosi v tretje države , ki ne jamčijo za ustrezno raven varovanja , so vseeno možni , če se podpiše ustrezna pogodba ali sprejme zavezujoč kodeks ravnanja ( npr .
Transfers to third countries that cannot guarantee an adequate level of protection may nevertheless be possible by way of a contract or via the adoption of a binding code of conduct ( e.g. binding corporate rules ) .
zavezujoča podjetniška pravila ) .
However , the transfer outside the EU of nonaggregated data for statistical purposes or for marketing purposes should be avoided .
Kljub temu bi se bilo prenosu neagregiranih podatkov izven EU za statistične ali trženjske namene treba izogibati .
Reputational risks linked to data transfers outside the EU should also be taken into account , as these could jeopardise the confidence of users in card payments .
Prav tako bi bilo treba upoštevati nevarnost izgube ugleda zaradi prenosov podatkov izven EU , saj takšna tveganja lahko ogrozijo zaupanje uporabnikov v kartična plačila .
The conditions under which the transfer of data outside the EU is organised have to be clarified .
Zato je treba jasno opredeliti pogoje , po katerih je organiziran prenos podatkov izven EU .
FRAUD Combating fraud is crucial for the building of SEPA ;
ZLORABE Preprečevanje zlorab je ena bistvenih nalog pri gradnji SEPA ;
in particular , differences in fraud levels between transactions within and between euro area countries need to disappear .
pri tem je še zlasti pomembno , da se število zlorab med državami euroobmočja zmanjša na raven znotraj teh držav .
Fraud increases card payment fees and may even threaten the acceptability of the instrument ; therefore , combating fraud is linked to the reliability of cards as payment instruments .
Zlorabe zvišujejo provizije za kartična plačila in lahko ogrozijo celo sprejemljivost instrumenta samega , zato je boj proti zlorabam povezan z zanesljivostjo kartic kot plačilnih instrumentov .