{"id":23233,"date":"2021-08-25T16:40:58","date_gmt":"2021-08-25T11:10:58","guid":{"rendered":"https:\/\/plyinsight.com\/?p=23233"},"modified":"2022-10-12T17:28:55","modified_gmt":"2022-10-12T11:58:55","slug":"dilemma-of-bank-customers-convenience-or-safety","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/dilemma-of-bank-customers-convenience-or-safety\/","title":{"rendered":"Dilemma of Online Banking : Convenience or safety"},"content":{"rendered":"

The RBI is not willing to ease its stance on tokenization, insisting that payment facilitators cannot store customer card details. This would come as an inconvenience to many, particularly online shopaholics who have to so far key in only the CVV number of their cards saved (masked with the last four digits visible) on the e-commerce portal and proceed with a transaction.<\/strong><\/p>\n

What the RBI is proposing is that every time a transaction is to be made, the entire card details must be keyed in.<\/strong> these would reach the merchant servers in a tokenized format, or as random numbers. Since the tokenised numbers generated would be one time in nature, the merchant site and payments facilitator would have no reason to save the details.<\/p>\n

The RBI\u2019s logic is that this will introduce a robust safety mechanism for Indian consumers.<\/strong> E-commerce sites and others in the chain, however, argue that it will be a body blow to online transactions since fast checkouts will be hampered. Single click purchases with tech sites such as Google and Apple will also cease to exist with this, adding some element of complexity to purchasing apps.<\/p>\n

To be sure, even now, few people want to store their card details with e-commerce sites. And while payments industry insiders, too, have welcomed the RBI stance on customer safety, they want as alternative mechanism, which the central bank has not yet agreed to .<\/p>\n

\u201cThe RBI\u2019s concerns are genuine because we have seen several hacks on merchants and payment service providers (PSPs) in the recent past, wherein data of millions of cards was compromised,\u201d<\/strong><\/p>\n

\u201cWhile the RBI has allowed payment aggregators to store card details for transaction procession purposes, it wants to prohibit the one click checkout service. The demand, however, is that since payment aggregators and gateways are following best practices, they might as well allow the one-click checkout service,\u201d<\/p>\n

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\n

\u00a0 \u00a0 \u00a0\"Kathputli\" \u00a0 \"Asean <\/strong>\"Pioneer-Logo\"<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

The RBI is not willing to ease its stance on tokenization, insisting that payment facilitators cannot store customer card details. This would come as an inconvenience to many, particularly online shopaholics who have to so far key in only the CVV number of their cards saved (masked with the last four digits visible) on the […]<\/p>","protected":false},"author":1,"featured_media":23234,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1543],"tags":[1316,1170,1385,1236,99,1384],"class_list":["post-23233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-september-articles-2021","tag-customers","tag-banks","tag-debitrule","tag-e-commerce","tag-rbi","tag-tokenization"],"yoast_head":"\nDilemma of Online Banking : Convenience or safety - PLY INSIGHT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plyinsight.com\/hi\/dilemma-of-bank-customers-convenience-or-safety\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dilemma of Online Banking : Convenience or safety - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"The RBI is not willing to ease its stance on tokenization, insisting that payment facilitators cannot store customer card details. 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