According to the Public Relations report of the National Informatics Corporation, Dr. Alireza Mahyar, on Tuesday, on the second day of the Electronic Banking and Payment Systems Conference, described the Central Bank's initiative to draft a roadmap in the field of electronic banking as courageous, emphasizing: "One of the strengths of this roadmap is that it has not set any red lines."
He added: "In smart banking, customers do not go to the bank; if you remove the signboard of any bank, the customer receives similar services from all branches upon entry. In smart banking, the concept of branches is no longer significant, and your mobile phone advises you where to invest, which FinTech to borrow from, and how to utilize micro-investment opportunities."
Referring to the statements of Bill Gates, the owner of Microsoft, the CEO of the National Informatics Corporation stated: "Bill Gates said in 2015 that we no longer need banks, but we do need banking, which in essence is banking without a bank, and this is precisely where we need to move towards FinTech banking."
Mahyar described the playing field in banking as very large and added: "As the innovation and technology arm of the Central Bank, the National Informatics Corporation is looking to establish a center for the development of financial technologies. Although the Central Bank is the responsible authority in this field, we need to initiate new actions in this area, especially in terms of regulatory frameworks, by creating technology and information hubs and acceleration infrastructures."
He rated the position of the Central Bank's sandbox among the top five governmental sandboxes and said: "Technology, like water, will find its way, and technology owners will gravitate towards these sandboxes. The first session of the Central Bank's sandbox focused on cryptocurrencies, and we emphasized letting them come to properly articulate the needs and expectations of the sector."
Another action of the National Informatics Corporation, as he announced, is the development of monetary and banking infrastructures: "The era when a bank would create its own data center or cloud is over. Today, with the infrastructures we have, we own a data center as vast as Iran."
Mahyar, emphasizing that they are seeking to provide services in every aspect to circulate governmental and banking services within FinTech companies, stated: "We are looking for banking as a service in FinTechs and FinTech banking."
The CEO of the National Informatics Corporation also declared supporting the drafting of laws as another duty of the corporation, saying: "Based on the emphasis of the Central Bank's president, we are working on smart supervision, and I am very pleased to have seen good developments at this year's exhibition."
Mahyar concluded: "At the National Informatics Corporation, we are exchanging services with all universities, aiming to transform these separate islands into a unified structure."
Fariba Miraj, one of the directors of the Central Bank's New Technologies Deputy, explaining the process of drafting the Central Bank's roadmap, said: "The business environment in the country needs a plan for the development of FinTechs, and this need is evident every moment."
She continued: "If we look outside the country, we see they are moving forward quickly and systematically, and if we look inside the country, despite the unjust sanctions, the young generation of the country with their creativity are finding their way and shaping their businesses."
Miraj described the Central Bank's role as a regulatory body in the business sector as encouraging young people and activists, adding: "The previous strategic plan of the Central Bank from 2019 was prepared with the collaboration of FinTech activists, university professors, government officials, and private sector along with banking experts, and this plan was also reviewed in 2022."
She noted that synergy and convergence in implementation will greatly assist the Central Bank in executing this document.
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