Cash Management
Transcription
Cash Management
10/2012 Cash Management Ensure safe online banking p. 2 XML account reporting services bring advantages in an international environment p. 10 Sampo Bank to change its name: What will change on 15 November? p. 14 2 Cash Management 10/2012 Ensure safe online banking The Internet contains an ever-increasing number of malicious programs, many of which also target bank customers. Online banking is still safe, however, as long as companies see to the data security of their computers. Business Online and its security solutions have been designed to ensure that Business Online provides a secure venue for taking care of banking business. As part of the security it is important that customers protect their computers by regularly updating their software, using appropriate antivirus programs to protect against malware and are in general vigilant when using online banking services. 3 Sampo Bank never asks for information via e-mail The most common types of malware include viruses, worms and spyware which you may receive via e-mail, when downloading files from the Internet or when visiting suspicious sites. Viruses also spread via memory sticks. Malware may used to spy for bank identifiers and using them to make account transactions without the customer being aware of the fact. Use the latest version of Java In order to prevent malware, it is extremely important to keep the operating system, browser and Java software as well as other add-ons (such as Adobe Reader, Adobe Flash) up to date. You should always use the latest version of Java, for instance. 4 Cash Management 10/2012 Computers also need to have antivirus and firewall protection, which must be updated regularly. If you notice something unusual when using the online bank – for example, a counter appears when you are logging in and you are asked to wait – immediately terminate the session and contact the bank’s customer support to check the situation. Another typical online scam is phishing, where the customer is asked for his or her bank identifiers or credit card information via e-mail or on a fake website. If successful, the scammers try to drain the customer’s account or make online purchases using his or her money. Phishing messages vary and are constantly changing. Checklist for the company and computer users: Typical characteristics of phishing messages: • C heck with Information Management and the suppliers that workstation protection is in place and that it is updated regularly • You are asked, by e-mail, on a website or in the online bank, for your card number, its period of validity or PIN • You are asked for your online bank identifiers via a message • You receive an e-mail message from someone you do not know and the message is not addressed to you personally or it is written in poor Finnish or in English • The message may promise you money or threaten that your account will be closed • A link or Web address in the message routes to a page that asks for confidential information • Ensure that all software is updated regu larly. We recommend you allow automatic updates • E nsure that antivirus and firewall software are in place and that they are updated regularly • E nsure that instructions on the use of Business Online are available and remind people to be vigilant You should also be careful when using the Internet and e-mail or installing and downloading software. • A void suspicious websites. Do not open suspicious files, click on unfamiliar links or install unknown programs • N ever open strange and suspicious email messages or file attachments • W hen you are installing software, make sure that the site you are downloading it from is reliable or that the memory stick, CDs or DVD comes from a reliable software manufacturer. Sampo Bank will never request any information about your banking identifiers or credit cards by email. Sampo Bank will also never ask you, on its website or in the online bank, for your card number, period of validity or PIN 5 6 Cash Management 10/2012 Topical issues at payroll management seminars Etera will again provide a series of payroll management seminars. Starting in November, the seminars will offer a concentrated dose of topical information and tools for financial management professionals. There will be a total of 13 seminars in November and December around Finland, from Rovaniemi to Helsinki. Sampo Bank will be present at the seminars to provide information and advice on issues related to the termination of the direct debit scheme. 7 The payroll management seminars are aimed at those responsible for payroll and financial issues in accounting firms and companies. Specialists from Etera, Sampo Bank, the tax administration, Kela and the Unemployment Insurance Fund will present key information on topical issues and the latest services. One of the sector’s most important professional events of the year, the seminar is also an excellent place to meet colleagues. ing for this change already at this stage to ensure a smooth transition to the services that will replace the direct debit scheme. Direct debiting will be mainly replaced by e-invoices and the direct payment service, which is intended for customers who do not use online banking services. Further options include paper invoices or, in some cases, the SEPA direct debit. Information on the termination of the direct debit scheme More information (in Finnish) on the seminar, including venues and schedules, is available from www.etera.fi/php. Sampo Bank’s theme at the seminar is the termination of the national direct debit scheme in January 2014. It is advisable to start prepar- 8 Cash Management 10/2012 Register online Registration ends one week before the seminar. The number of participants is limited – register now! Statutory pension insurance via Sampo Bank In addition to convenient banking, Sampo Bank offers new entrepreneurs a quick and easy way to sort out their statutory YEL or TyEL pension issues through one phone call or via the online bank: • YEL refers to statutory pension insurance under the Self-Employed Persons’ Pension Act which is mandatory for each entrepreneur • TyEL refers to statutory pension insurance under the Employees’ Pensions Act. It is mandatory of all companies which have employees Etera’s TyEL and YEL pension insurance is available from Sampo Bank offices and over the telephone at Sampo Bank’s Corporate Service (tel. 0100 2580, Mon-Fri from 8:00 am to 6:00 pm, local network charge/ mobile network charge You can access the Etera online service directly from Business Online. You only need to log in once and you will be able to sort out both your banking issues and pension insurance. 9 10 Cash Management 10/2012 XML account reporting services bring advantages in an international environment Sampo Bank offers an extensive range of account reporting services in international XML format alongside domestic services. Account statements, reference number lists, payment lists and balance and transaction queries in XML format offer increasing flexibility in managing SEPA payments and help create a basis for uniform practices within the SEPA area. 11 When outgoing payment traffic material are compliant with the Single Euro Payment Area (SEPA), it is also natural to adopt an account reporting format that is compliant with the SEPA standards, that is, XML based. The XML standards on account and transaction reporting (ISO 20022) will replace national account and transaction reporting standards. Introduction possible in several channels XML account reporting services can be utilised in the Web Services 12 Cash Management 10/2012 channel, Business Online and the SWIFT channel. XML account reporting services require modifications to the bank connection software and possibly to other systems, such as accounting. Before introduction, companies must be check with their software supplier to ensure that its financial management software supports Sampo Bank’s XML account reporting. At the same time, it is advisable to determine whether it would benefit the company to start using the international RF Creditor Reference in invoicing. XML account reporting offers many advantages: • The information is in the same format as in XML payments. • There is more information available on the transactions, including the identifiers of the original payer and the ultimate beneficiary. • A uniform standard makes it possible to have the same handling processes for account reports received from different countries within the SEPA area. • The RF Creditor Reference is forwarded as such into the XML account statement or XML reference number list. Including the RF Creditor Reference on invoices within the SEPA area helps the company’s trading partners to get used to using the reference, and payments are easy to allocate in the sales ledger. • If the company has an agreement on the consolidated debiting of foreign payments, the XML account statement shows one consolidated debit transactions, instead of foreign payments debited as individual payments. The customer may choose to have the itemisation of the consolidated debit transaction included in the XML account statement or the XML reference number list. • In order to facilitate the testing of XML account reports and service migration, XML account reports may be used in parallel with the account reports based on the national standard. • The XML account reporting services will later be included in the service portfolio in other Danske Group countries. 13 14 Cash Management 10/2012 November is a time of change Over the years we have watched together as the world around us has changed and how all of ur daily lives have grown increasingly international. Since 2007 Sampo Bank has been part of the international Danske Bank Group. Now the time has come to introduce a single shared name within the group, and so as of 15 November our name will be Danske Bank. Our shared name is just the first step towards building a new kind of future. It will bring us new and inspiring opportunities to utilise our broad international networks and expertise in entirely new ways. As a result, we will be able to offer you an even greater wealth of knowledge and experience in the future, including even more advanced solutions. 15 What will remain the same? You will not need to do anything about the following matters. We or our partners will take care of them on your behalf. Accounts and account numbers? All your company’s agreements and account numbers will remain the same, as will your bank’s SWIFT/ BIC code (DABAFIHH). Corporate cards? Your corporate cards will be automatically renewed upon expiration. Until then, your current cards will remain valid. Payment terminals? We have informed all our payment terminal suppliers about the name change. Most of the payment terminals in Finland will be updated automatically. 16 Cash Management 10/2012 If your payment terminal has not been updated after 15 November (i.e. if the name “Sampo Pankki” continues to appear on receipts), you can update the terminal yourself following the instructions provided by the terminal supplier. If you are still unable to update the terminal, contact your terminal supplier directly. Bank connection software? Our software supplier will update the name when introducing the next version of the software. The name of the bank connection software will change from “Sampo Linkki” to “Danske Linkki” when the software is next updated in May 2013. What changes are required? If your company uses the following services, you will have to make certain changes: Invoicing details 1. The name of the payee’s bank should be changed on transfer forms and invoice specifications from “SAMPO PANKKI” to “DANSKE BANK”. The name “DANSKE BANK” is used in all language versions. 2. If necessary, make the changes also to the transfer form and invoice specification on the e-invoice presentment service. New online payment button 3. If your company has an online shop, change the online payment button on 15 November 2012. You can download the new button from https://www. danskebank.fi/verkkopalvelu/logo.gif. The design and appearance of the button are new. For more details, go to www.sampopankki.fi/verkkopainike. 4. From 15 November onwards, send the payment request message for online payments to the new address https://verkkopankki.danskebank.fi/SP/ vemaha/VemahaApp. New identification service button 5. If your company or organisation has an online service that requires identification using Sampo Bank’s identifiers, change the identification service button on 15 November 2012. You can download the new button from https://www.danskebank.fi/ verkkopalvelu/logo.gif. The design and appearance of the button are new. For more details, go to www.sampopankki.fi/tunnistuspainike. 6. Send the identification request message for the identification service to the new address https://verkkopankki.danskebank.fi/ SP/tupaha/TupahaApp. Factoring “Sampo Rahoitus” will become “Danske Finance / Danske Bank” on 15 November. 7. Change the factoring transfer text on Factoring invoice templates from either “Sampo Pankki Oyj” or “Sampo Rahoitus” to “Danske Bank Oyj”. These changes apply to both electronic and paper invoices. 17 Sampo Bank plc Registered domicile and address Helsinki, Hiililaiturinkuja 2, FIN-00075 SAMPO BANK Business ID 1730744-7 Current news on Cash Management www.sampopankki.fi/encashmanagement Corporate Customer Service eBanking Customer Service Software and data transfer services Mon-Fri 9:00 a.m. – 5:00 p.m. Mon-Fri 8:00 a.m. – 6:00 p.m., Mon-Fri 8:00 a.m. – 5:00 p.m., tel. 010 546 3112 tel. +358 100 2580/3 tel. +358 600 125 25 (0,0828€/call + 0,12€/min.) (lnc/mnc) (1.18 €/min + lnc/mnc)