HomeEconomyThey issue regulations to open a digital account

They issue regulations to open a digital account

Sudeban authorizes banking entities to pre-open accounts and other financial products on digital platforms

The Superintendency of Banking Sector Institutions (Sudeban) issued a circular establishing the procedure for the pre-opening and opening of accounts, in addition to other digital financial products and services, as well as the acceptance of electronic contracts.

In circular 03678, dated June 13, the superintendency authorizes banking entities to pre-open accounts and other financial products on digital platforms, with prior authorization from the institution, which must be requested with the requirements established for the introduction of new products and services.

Sudeban requires specific technological requirements, such as identification of the technological risks associated with the financial service or product; risk analysis, where the probability of occurrence, impact and level of the identified risks are observed; controls established to mitigate identified risks; characteristics of the technology, security and telecommunications equipment that will support the product or service; systems, applications or modules that will support it; information security mechanisms and flow of operations of the product or service, among others.

The pre-opening of accounts will be done through a digital data record, followed by a request that must be accompanied by the requirements, precautions and documentation required for the opening of accounts, both for natural and legal persons.

Active bank clients will be able to open new accounts or access other digital products and services of the same institution completely online and directly and immediately, as long as the data on the identification card is updated.

Regulated entities must ensure that customer data that exists in physical environments fully matches that stored on digital platforms.

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