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\"\"NEW DELHI\/BENGALURU: The directive to digital payment companies from the country’s central bank mandating them to store all user data on servers within India<\/a>, by October, has sharply divided the industry. Local companies including the country’s largest digital payment provider Paytm<\/a> and Flipkart-owned PhonePe<\/a> have welcomed the move, global technology firms have cautioned against reciprocal action arising from such a directive.
\n
\nOthers such as payment provider PayU, owned by South African media conglomerate Naspers, has sought ‘data mirroring’ or datastorage in other locations besides India, to avoid global payment networks from being disrupted.
\n
\n“(There is) no reason why companies should be opposed to the order since most countries such as China, Russia and many countries in Europe require companies to not only store data locally but also process it within the country,” said Kiran Vasireddy, chief operating officer for the payments business of Paytm, which has been storing user data within India even before the Reserve Bank of India mandated it in April.
\n
\nFlipkart-owned PhonePe, which also stores data locally, expects no disruption in operations from the RBI mandate.
\n
\n“India is emerging as a huge democratically open digital economy and it has opened doors for any player to come and operate here, so it’s important that there are right safeguards to protect consumer interests in the long run,” Hemant Gala, head of payments and banking relations of PhonePe told ET. RBI’s directive in April directed all digital payment companies operating in India to set up data storage facilities within the country by October.
\n
\nWhile the payments ecosystem has grown in India, it needs “unfettered supervisory access” to the transaction data to ensure better monitoring of the network.
\n
\n
\"\"
<\/span><\/figcaption><\/figure>
India, the last major open market for internet<\/a> companies, has seen global firms launch digital payment platforms such as Google Tez, Amazon Pay, and WhatsApp to tap the growing opportunity in the country. Indo-US business advocacy groups such as the USIBC and US-India Strategic Partnership Forum (USISPF) have also raised concerns with authorities over the RBI’s directive.
\n
\nSusan Ritchie, vice president of Technology, Media, and Telecommunications, USISPF, said “The best course of action is to allow time until the global companies are able to conduct their reviews on impact of this order.”
\n
\nNot all global firms subscribe to the view.
\n
\nRajan Anandan, vice president for Google India and South East Asia, told ET recently that the company follows local laws and local legislation, so whatever India decides it will “comply” with it.
\n
\nNASSCOM RAISES CONCERNS<\/strong>
\nOn Thursday, technology lobby group Nasscom has also expressed its concerns in a representation sent to RBI over the mandate. The grouping which consists of members both India-based and from global corporations, has opposed the central bank mandate, sources told ET.
\n
\n“This is not just a payments issue. It hits global outsourcing. It may not be feasible for many companies to replicate systems in India. This move will also hit fraud mitigation,” said one of the people privy to details of Nasscom’s stand.
\n
\nDigital payments provider PayU India is asking for data replication — the ability to store both within India and another location.
\n
\n“Global companies often exchange best practices or release new products based on different markets. For example, we may want to use a checkout page for PayU India that has been developed in another
\n
\nmarket, and needs to be first tested based on user data. Restricting movement of data can make this difficult,” said Amrish Rau, CEO of PayU India.
\n
\nAmerican technology giant IBM has also cautioned that any sort of protectionism is often reciprocal.
\n
\n“In the digital world, like any other natural resource, flow of data is akin to ‘digital trade agreements’. Like any other form of trade, protectionism is often reciprocal — which means in steady state, restrictions apply both ways,” said Karan Bajwa, managing director, IBM India Pvt Ltd.
\n
\n“A unique partnership between policy makers, business leaders and citizens, led by government will be able to build the future of work and life in the age of data. It is with this view that we encourage carefully designed ‘digital trade agreements’ on data, as opposed to simplistic policies that have a detrimental impact on innovation.”
\n
\nLegal experts are of the view that RBI’s move is knee jerk and could hurt the multinational payment firms in their business in India.
\n
\n“The RBI’s decision represents India’s first significant policy move towards data localisation, and appears to be a knee-jerk reaction to several high-profile privacy breaches that has captivated the global media,” said Probir Roy Chowdhury, partner at law firm J Sagar Associates.
\n
\n“In an era of cloud computing and interconnectivity, physical access is of little relevance to the security of electronic data. On the contrary, forcing multinational companies to maintain numerous decentralised data centres makes it harder for these companies to exercise control and ensure adequate security,” he said.
\n\n<\/body>","next_sibling":[{"msid":64327445,"title":"NIC sets up cloud-enabled National Data Centre in Bhubaneswar","entity_type":"ARTICLE","link":"\/news\/nic-sets-up-cloud-enabled-national-data-centre-in-bhubaneswar\/64327445","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":64327533,"entity_type":"ARTICLE","title":"Digital payments industry divided over data order","synopsis":"Local giants like Paytm and Flipkart have backed the move, while global technology firms have cautioned against reciprocal action.","titleseo":"telecomnews\/digital-payments-industry-divided-over-data-order","status":"ACTIVE","authors":[{"author_name":"Surabhi Agarwal","author_link":"\/author\/479241991\/surabhi-agarwal","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479241991.cms?width=100&height=100&hid=268","author_additional":{"thumbsize":false,"msid":479241991,"author_name":"Surabhi Agarwal","author_seo_name":"surabhi-agarwal","designation":"Correspondent","agency":false}},{"author_name":"Mugdha Variyar","author_link":"\/author\/479245129\/mugdha-variyar","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479245129.cms?width=100&height=100&hid=268","author_additional":{"thumbsize":true,"msid":479245129,"author_name":"Mugdha Variyar","author_seo_name":"mugdha-variyar","designation":"Assistant Editor - Consumer Internet","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2018-05-26 08:45:20","lastupd":"2018-05-26 08:47:53","breadcrumbTags":["Digital transactions","paytm","phonepe","Flipkart","e-payments","Internet","India"],"secinfo":{"seolocation":"telecomnews\/digital-payments-industry-divided-over-data-order"}}" data-authors="[" surabhi agarwal","mugdha variyar"]" data-category-name="" data-category_id="" data-date="2018-05-26" data-index="article_1">

电子支付行业分歧数据的顺序

Flipkart公司本地巨头Paytm和支持这一举动,而全球科技公司警告不要交互作用。

Surabhi阿加瓦尔 Mugdha Variyar
  • 更新2018年5月26日08:47点坚持
新德里/班加罗尔:电子支付公司的指令从该国央行强制内所有用户数据存储在服务器上印度在10月,严重分歧。当地企业包括中国最大的电子支付服务提供商Paytm和Flipkart-ownedPhonePe对此举表示欢迎,全球科技公司警告称,互惠的行动源自于这样一个指令。

等支付提供商PayU,南非媒体集团Naspers旗下寻求数据镜像或datastorage在印度以外的其他位置,以避免全球支付网络被中断。

”(有)没有理由应该反对公司订单,因为大多数国家如中国、俄罗斯和欧洲的许多国家要求企业不仅在本地存储数据,而且过程在这个国家,“Kiran Vasireddy说,首席运营官Paytm的支付业务,已存储用户数据之前在印度央行(Reserve Bank of India)要求在4月。

Flipkart-owned PhonePe,也在本地存储数据,预计央行没有中断操作授权。

“印度正在成为一个巨大的民主开放的数字经济和它为任何球员打开了门来操作,所以重要的是有长期保障来保护消费者的利益,“赫曼特联欢晚会,支付和银行关系PhonePe告诉ET。央行的指令指示所有数字4月支付公司在印度设立运营数据存储设备内的国家在10月。

而支付生态系统已经在印度,它需要“无拘无束的监督访问”交易数据,以确保更好的监测网络。


印度,最后主要开放市场互联网公司,全球公司推出谷歌特斯等电子支付平台,亚马逊支付,WhatsApp利用日益增长的机会。印美商业游说团体如USIBC,美印战略伙伴关系论坛(USISPF)与当局也担心央行的指令。

副总裁苏珊•里奇技术、媒体和电信,USISPF说,“最好的做法是让时间全球公司能够进行他们的评论这个顺序的影响。”

并不是所有的跨国公司订阅视图。

谷歌副总裁Rajan阿南丹印度和东南亚,最近告诉等,公司遵循当地法律和地方立法,所以不管印度决定将“服从”。

行业协会提出了担忧
周四,技术游说组织行业协会也表示担忧在发送给表示央行授权。成员的分组由印度和全球企业,反对中央银行授权,消息人士告诉ET。

“这不仅仅是一个支付问题。它到达全球外包。它可能不是可行的许多公司在印度复制系统。此举也将打击欺诈减缓,”其中一个说的人参与行业协会的立场。

数字支付提供商PayU印度要求数据复制的能力来存储在印度和另一个位置。

“全球公司经常交流最佳实践或释放基于不同市场的新产品。例如,我们可能想要使用一个结帐页面PayU印度了

市场,需要首先测试了基于用户数据。限制运动的数据可以让这个困难,”首席执行官PayU印度Amrish劳说。

美国科技巨头IBM也警告说,任何形式的贸易保护主义往往是互惠的。

在数字世界,像其他自然资源一样,数据流是类似于“数字贸易协定”。像任何其他形式的贸易保护主义往往是互惠的,这意味着在稳定状态下,应用两方面的限制,“董事总经理凯伦Bajwa表示,IBM印度Pvt Ltd .)

“政策制定者一个独特的伙伴关系,商界领袖和公民,由政府将能够构建的未来工作和生活时代的数据。以这种观点,我们鼓励精心设计的“数字贸易协定”的数据,而不是简单的政策,对创新有不利影响。”

法律专家认为,央行此举是膝反射和可能会损害跨国支付公司在印度的业务。

“央行的决定代表印度的第一次重大的政策走向数据本地化,似乎是下意识的反应,几个高调的隐私侵犯,已经吸引了全球媒体,”罗伊Probir Chowdhury说,律师事务所合伙人J Sagar同事。

“在云计算和互连的时代,几乎毫无关联的物理访问电子数据的安全。相反,迫使跨国公司保持众多分散的数据中心使这些公司更难控制,确保足够的安全,”他说。
  • 5月26日,2018年出版的为是
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\"\"NEW DELHI\/BENGALURU: The directive to digital payment companies from the country’s central bank mandating them to store all user data on servers within India<\/a>, by October, has sharply divided the industry. Local companies including the country’s largest digital payment provider Paytm<\/a> and Flipkart-owned PhonePe<\/a> have welcomed the move, global technology firms have cautioned against reciprocal action arising from such a directive.
\n
\nOthers such as payment provider PayU, owned by South African media conglomerate Naspers, has sought ‘data mirroring’ or datastorage in other locations besides India, to avoid global payment networks from being disrupted.
\n
\n“(There is) no reason why companies should be opposed to the order since most countries such as China, Russia and many countries in Europe require companies to not only store data locally but also process it within the country,” said Kiran Vasireddy, chief operating officer for the payments business of Paytm, which has been storing user data within India even before the Reserve Bank of India mandated it in April.
\n
\nFlipkart-owned PhonePe, which also stores data locally, expects no disruption in operations from the RBI mandate.
\n
\n“India is emerging as a huge democratically open digital economy and it has opened doors for any player to come and operate here, so it’s important that there are right safeguards to protect consumer interests in the long run,” Hemant Gala, head of payments and banking relations of PhonePe told ET. RBI’s directive in April directed all digital payment companies operating in India to set up data storage facilities within the country by October.
\n
\nWhile the payments ecosystem has grown in India, it needs “unfettered supervisory access” to the transaction data to ensure better monitoring of the network.
\n
\n
\"\"
<\/span><\/figcaption><\/figure>
India, the last major open market for internet<\/a> companies, has seen global firms launch digital payment platforms such as Google Tez, Amazon Pay, and WhatsApp to tap the growing opportunity in the country. Indo-US business advocacy groups such as the USIBC and US-India Strategic Partnership Forum (USISPF) have also raised concerns with authorities over the RBI’s directive.
\n
\nSusan Ritchie, vice president of Technology, Media, and Telecommunications, USISPF, said “The best course of action is to allow time until the global companies are able to conduct their reviews on impact of this order.”
\n
\nNot all global firms subscribe to the view.
\n
\nRajan Anandan, vice president for Google India and South East Asia, told ET recently that the company follows local laws and local legislation, so whatever India decides it will “comply” with it.
\n
\nNASSCOM RAISES CONCERNS<\/strong>
\nOn Thursday, technology lobby group Nasscom has also expressed its concerns in a representation sent to RBI over the mandate. The grouping which consists of members both India-based and from global corporations, has opposed the central bank mandate, sources told ET.
\n
\n“This is not just a payments issue. It hits global outsourcing. It may not be feasible for many companies to replicate systems in India. This move will also hit fraud mitigation,” said one of the people privy to details of Nasscom’s stand.
\n
\nDigital payments provider PayU India is asking for data replication — the ability to store both within India and another location.
\n
\n“Global companies often exchange best practices or release new products based on different markets. For example, we may want to use a checkout page for PayU India that has been developed in another
\n
\nmarket, and needs to be first tested based on user data. Restricting movement of data can make this difficult,” said Amrish Rau, CEO of PayU India.
\n
\nAmerican technology giant IBM has also cautioned that any sort of protectionism is often reciprocal.
\n
\n“In the digital world, like any other natural resource, flow of data is akin to ‘digital trade agreements’. Like any other form of trade, protectionism is often reciprocal — which means in steady state, restrictions apply both ways,” said Karan Bajwa, managing director, IBM India Pvt Ltd.
\n
\n“A unique partnership between policy makers, business leaders and citizens, led by government will be able to build the future of work and life in the age of data. It is with this view that we encourage carefully designed ‘digital trade agreements’ on data, as opposed to simplistic policies that have a detrimental impact on innovation.”
\n
\nLegal experts are of the view that RBI’s move is knee jerk and could hurt the multinational payment firms in their business in India.
\n
\n“The RBI’s decision represents India’s first significant policy move towards data localisation, and appears to be a knee-jerk reaction to several high-profile privacy breaches that has captivated the global media,” said Probir Roy Chowdhury, partner at law firm J Sagar Associates.
\n
\n“In an era of cloud computing and interconnectivity, physical access is of little relevance to the security of electronic data. On the contrary, forcing multinational companies to maintain numerous decentralised data centres makes it harder for these companies to exercise control and ensure adequate security,” he said.
\n\n<\/body>","next_sibling":[{"msid":64327445,"title":"NIC sets up cloud-enabled National Data Centre in Bhubaneswar","entity_type":"ARTICLE","link":"\/news\/nic-sets-up-cloud-enabled-national-data-centre-in-bhubaneswar\/64327445","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":64327533,"entity_type":"ARTICLE","title":"Digital payments industry divided over data order","synopsis":"Local giants like Paytm and Flipkart have backed the move, while global technology firms have cautioned against reciprocal action.","titleseo":"telecomnews\/digital-payments-industry-divided-over-data-order","status":"ACTIVE","authors":[{"author_name":"Surabhi Agarwal","author_link":"\/author\/479241991\/surabhi-agarwal","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479241991.cms?width=100&height=100&hid=268","author_additional":{"thumbsize":false,"msid":479241991,"author_name":"Surabhi Agarwal","author_seo_name":"surabhi-agarwal","designation":"Correspondent","agency":false}},{"author_name":"Mugdha Variyar","author_link":"\/author\/479245129\/mugdha-variyar","author_image":"https:\/\/etimg.etb2bimg.com\/authorthumb\/479245129.cms?width=100&height=100&hid=268","author_additional":{"thumbsize":true,"msid":479245129,"author_name":"Mugdha Variyar","author_seo_name":"mugdha-variyar","designation":"Assistant Editor - Consumer Internet","agency":false}}],"Alttitle":{"minfo":""},"artag":"ET Bureau","artdate":"2018-05-26 08:45:20","lastupd":"2018-05-26 08:47:53","breadcrumbTags":["Digital transactions","paytm","phonepe","Flipkart","e-payments","Internet","India"],"secinfo":{"seolocation":"telecomnews\/digital-payments-industry-divided-over-data-order"}}" data-news_link="//www.iser-br.com/news/digital-payments-industry-divided-over-data-order/64327533">