Notícias

APIMarket

SIBS API Market provides in a single shared platform a dedicated interface to TPPs/PSPs including all PSD2 APIs (Payment Accounts Information, Availability of Funds and Payment Initiation).

You can browse on the available APIs, access functional and technical documentation and choose the APIs that best fits to your business needs.

Then register and immediately start testing it at our Sandbox environment, a portal designed for Developers that want to access the technical documentation (with code samples) and test the available APIs in a self-contained testing environment, with static data.

CEMAH is available for testing.

 

  1. What is SIBS API MARKET?

SIBS API Market is a global and open API platform that aims to give easy access to a wide range of API for financial services. Regarding the new paradigm of Open Banking, SIBS API Market was developed in order to connect banks with third party providers (TPP) to become connected, creating a vibrant ecosystem for the development of new services and business models, in context of the recent Payment Services Directive (PSD2) and beyond.

 

  1. Value propositions

SIBS brings into this platform the best technology in security and fraud prevention, which, combined with our experience in managing critical payment services, offers the trust and security that our clientes are used to.

  • Trust & Security

SIBS brings into this platform the best technology in security and fraud prevention, which, combined with our experience in managing critical payment services, offers the trust and security that our clientes are used to.

  • Resilience

Scalable and resilient platform with the highest standards of availability.

  • Reachability

A one time implementation of PSD2 which gives access to Banks that represent more than 95% of Portuguese Payment accounts.

  • One Standard

One platform, one Standard, One API for TPPs to use in order to reach the participating banks.

 

  1. What are SIBS API Market Key Features?
  • PSD2 Compliance - Fully compliant platform with PSD2 regulation, based on the Berlin Group;
  • Self-service Subscription – Easily subscribe and immediately start using the available API products that better fit your needs;
  • Service Desk – Specialized Service Desk for Banks and TPPs, that ensures quick answers to your business and technical questions;
  • Developer Tools – Full range of tools for developers to easily implement, test and deploy their solutions in an environment with access to real end-to-end connection to Bank Data;
  • API Life Cycle Management - Creation, publishing, maintenance and removal of deprecated APIs;
  • Consent Management - Support for TPPs and/or Banks to manage the consent of end users;
  • Strong Customer Authentication - Support for Strong Customer Authentication methods provided by banks to their clients.
  • Security & Fraud Management - Fraud monitoring services; Protection of backend systems;

 

  1. What is PSD2?

Payment Services Directive (PSD2) intends to promote innovation and a level playing field that enables new players and existing services to develop new ways of paying and accessing payment accounts.

 

Its main goals are to:

  • Contribute to a more integrated and efficient European payments market;
  • Improve the level playing field for payment service providers;
  • Make payments safer and more secure;
  • Protect consumers from unsupervised and unregulated access to their accounts.

 

     For more information

Go to SIBS API Market - www.sibsapimarket.com and fill in the contact us form.

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Alteração Estatutária da CEMAH e Resultados de setembro 2018

A Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH) concluiu, no passado dia 6 de novembro, o processo de transformação em Sociedade Anónima com a realização de Assembleia Extraordinária da Santa Casa da Misericórdia de Angra do Heroísmo (SCMAH), que ratificou as deliberações da anterior Assembleia Geral da CEMAH realizada a 27 de setembro p.p..

De referir que tal transformação em nada altera o modelo de funcionamento da instituição, não obstante configurar a possibilidade de abertura de capital a outras entidades, mas sempre com maioria de capital da sua entidade fundadora e titular, a SCMAH, e decorre do novo regime jurídico das Caixas Económicas (Decreto Lei nº 190/2015 de 10 de setembro) que classifica a CEMAH como Caixa Económica Bancária, equiparada a Banco e, como tal, devendo adotar idêntica configuração jurídico-societária.

A atividade encontra-se em linha com as expetativas da Instituição, sendo que obteve um Resultado Líquido de 2,6 milhões de euros, até ao final do terceiro trimestre do corrente ano, aumento de 166% face ao mesmo período do ano anterior, tendo o Produto Bancário registado uma evolução positiva de 29%.
É de salientar o aumento da carteira de depósitos de 5,2% face ao período homólogo, reflexo da confiança dos clientes, bem como o verificado na carteira de crédito que cresceu 11,2%.

A CEMAH pretende continuar a posicionar-se como uma importante e sólida Instituição financeira ao serviço da economia dos Açores e sempre com o objetivo supremo de proteção dos seus depositantes, cumprimento do quadro regulatório vigente, relacionamento de excelência com os seus clientes, com uma gestão baseada em critérios de rigor e prudência, e na medida que for possível e consistente, libertação de meios através de dividendos para ajudar a cofinanciar a relevante obra social da sua Instituição Titular – a Santa Casa da Misericórdia de Angra do Heroísmo.

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Mercados

  • Taxa Média Mensal Junho 2019
  • Taxa a 1 mês -0,371%
  • Taxa a 3 meses -0,325%
  • Taxa a 6 meses -0,270%
  • Taxa a 12 meses -0,188%

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