It is also necessary to protect any information required for money transfers

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Another important innovation, according to Artem Nazaretyan, is that when notifying about an incident, it is necessary to notify the regulator not only about the fact itself, but also about the response measures. The Central Bank must also be notified about the measures to disclose information through the media and the Internet.

. At the same time, as Artem bahamas cell phone number list Nazaretyan noted, it is necessary to identify not only the client's phone number and device, but also his email address. A requirement is also introduced to use an enhanced electronic signature or cryptographic protection tools to ensure the integrity of electronic messages.

As Fedor Muzalevsky warns, these requirements may prove difficult to implement or even impossible to implement: "The requirement to use cryptography "outlaws" SMS and push notifications, requiring GOST encryption and identification of the client's device, which is difficult to implement - and completely impossible to implement on the iPhone. This puts banks in a paradoxical situation - there is a requirement, but there is no way to fulfill it."

Stanislav Shilov believes that the greatest difficulties, as experience shows, are caused by the tightening of requirements for ensuring the integrity of electronic messages. The wording of the "letter" of the requirements is such that a number of simplified technological solutions that banks used in the mass segment (for example, SMS signature in solutions for individuals) turn out to be inconsistent with regulations.