Response to consultation on draft Guidelines on the use of remote customer onboarding solutions

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1. Do you have any comments on the section ‘Subject matter, scope and definitions’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

no

2. Do you have any comments on Guideline 4.1 ‘Internal policies and procedures’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

no

3. Do you have any comments on the Guideline 4.2 ‘Acquisition of Information’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

no

4. Do you have any comments on the Guideline 4.3 ‘Document Authenticity & Integrity’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

[4.3 – 33e]
“where applicable, that the picture of the customer embedded in the document was not replaced.”
The guidelines of the Dutch government state that the user may cover the (personal)photo when sharing his or her identity document. This means that this obligation is not possible. What is the EBA opinion on this and does the requirement conflict with the GDPR?

In general, the VBIN believes that a proper alignment and more clarity around the application of the GDPR should be included in the guidelines.

[4.3 - 35]
“In situations where the customer’s own device allows the collection of relevant data, for example the data contained in the chip of a national identity card, financial sector operators should use this information to verify the consistency with other sources, such as the submitted data and other submitted documents”

This should be optional and depend on the assessment of the overall risk of the solution used. It should not be stated as an obligation.



5. Do you have any comments on the Guideline 4.4 ‘Authenticity Checks’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

[4.4 - 42]
“In situations where the evidence provided is of insufficient quality resulting in ambiguity or uncertainty so that the performance of remote checks is affected, the individual remote customer onboarding process should be discontinued and redirected, where possible, to a face-to-face verification, in the same physical location.”

Payment institutions do not have a local network of service offices or other possibilities to perform physical face-to-face verification at the same physical location.

Also, the impact of creating additional fallback solutions is too large. This should be part of the risk appetite of the PSP. Stopping the customer on-boarding process at that point is sufficient. The wording “where possible” is too obligatory.

6. Do you have any comments on the Guideline 4.5 ‘Digital Identities’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

no

7. Do you have any comments on the Guideline 4.6 ‘Reliance on third parties and outsourcing’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

no

8. Do you have any comments on the Guideline 4.7 ‘ICT and security risk management’? If you do not agree, please set out why you do not agree and if possible, provide evidence of the adverse impact provisions in this section would have.

no

Name of the organization

VBIN (United Dutch Payment Institutions)