BSP Hinigpitan ang Payment Controls para sa AML Compliance
Nag-issue ang Bangko Sentral ng Pilipinas ng memorandum na nag-require ng mas strict na anti-money laundering controls sa payment systems dahil umabot na sa 57.4% ng retail volume ang digital transactions noong 2024. Nag-mandate ang directive ng enhanced monitoring sa merchant accounts, payment aggregators, at QR-enabled transactions, habang binabalaan ang mga Pilipino laban sa unlicensed cryptocurrency platforms.
Key Takeaway
Hinihigpitan ng BSP ang payment platforms matapos umabot sa 57% ng retail volume ang digital transactions.
Nag-issue si BSP Deputy Governor Bernadette Romulo-Puyat ng memorandum na nag-direct sa lahat ng BSP-supervised institutions na higpitan ang anti-money laundering at counter-terrorism financing controls sa payment activities.
Tina-target ng directive ang merchant accounts, payment aggregators, at QR-enabled transactions. Dapat saklawin ng controls ang account opening, customer onboarding, at ongoing monitoring sa branches, online platforms, mobile apps, at QR-enabled channels, na may measures na naaayon sa risk level.
May independent responsibilities ang payment aggregators kabilang ang merchant due diligence, risk-based onboarding, monitoring, at suspicious transaction reporting. Pero pinapanatili pa rin ng supervised institutions ang primary AML responsibility kahit gumagamit ng payment aggregators as intermediaries. Nag-mandate din ang BSP ng measures para maiwasan at ma-detect ang mule merchants at unauthorized QR code use.
Nag-issue ang central bank ng public warning laban sa unauthorized Virtual Asset Service Providers na nag-facilitate ng crypto exchange, trading, transfers, safekeeping, at payments. Ang mga Pilipinong gumagamit ng unlicensed VASPs ay nahaharap sa fraud risk, loss of funds and assets, limited legal recourse, lack of consumer assistance, at restricted access during enforcement actions.
Nakikipag-coordinate ang BSP sa relevant government agencies at private sector para i-monitor ang market at i-restrict ang access sa unauthorized VASP platforms. Dapat sumunod ang supervised institutions sa Manual of Regulations for Banks at Manual of Regulations for Non-Bank Financial Institutions. Umabot na sa 57.4% ng retail transaction volume ang digital payments noong 2024, mula sa 52.8% noong 2023.
ℹ️ Article Details
- Source: Google Alert: SEC Crypto
- Original URL: https://www.philstar.com/business/2026/05/12/2527221/bsp-banks-tighten-payment-controls-vs-money-laundering-risks
- Reading Time: 3 minutes
- Category: philippines
- Slug: bsp-tightens-payment-controls-aml-compliance-across-banks
- Workflow: Philippines Content Processor
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