銀行公會及存款公司公會發佈新修訂銀行營運守則 加強數碼化銀行服務安全
香港銀行公會及存款公司公會聯合發佈新修訂的《銀行營運守則》,以在不斷發展的數碼化銀行環境中持續加強客戶保障。這是自2021年修訂後再進一步檢討《守則》,以緊貼最新市場趨勢及客戶需要。此新修訂《守則》將於12月7日(今日)起生效,認可機構應採取必要措施,儘快符合新修訂《守則》所載的建議。
香港銀行公會主席孫煜表示,是次修訂的主要目的是進一步推動業界加強數碼化銀行服務的安全,鼓勵銀行在創新和保障消費者之間取得平衡,讓客戶充分享用便捷且安全的數碼化銀行服務。此外,新修訂《守則》亦強調銀行應提高銀行服務的透明度、提倡普及金融和公平對待每名客戶,以提升客戶體驗。
主要優化內容包括加強數碼銀行服務的披露要求,並將最新的《G20/OECD高層次金融消費者保護原則》納入為一般原則。認可機構須顯著及清晰地披露產品資訊,以方便客戶理解。網上銀行服務平台的界面設計應能提示客戶在進行任何交易前審閱產品資訊和申請詳情;
從若干關鍵層面提升銀行服務的透明度,包括提供拒絕開立、限制操作或註銷客戶賬戶的原因;認可機構在行使抵銷債務權利時提前通知客戶;通知客戶有關其貸款條款及條件的任何重大變更,或導致整體利率上升的任何有關變化;
加強卡服務保障,要求發卡機構在提高信用額度前必須徵得持卡人同意。發卡機構應為持卡人申請降低信用額度提供方便快捷的渠道。發卡機構應加強向持卡人提供保安建議,特別是有關進行交易使用的身份驗證要素、發現可疑卡交易時的責任,以及需確保其聯絡資料趨時。
認可機構應在《守則》生效日起6個月內儘快完全符合最新規定,如需要大規模電腦系統升級,可延長至12個月內實施。
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