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
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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.
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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.
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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
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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.
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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-
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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.
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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.
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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
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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.
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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.
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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.
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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.
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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
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