DNB Betalingsverkeer

1-15 van 32 resultaten
Overzicht van DNB Betalingsverkeer
Titel of themaDatum
TIBER-NL Guide Second Test Round final november 2017
DNB heeft samen met instellingen in de financiële kerninfrastructuur van het betalingsverkeer een guide ontwikkeld om door middel van ‘red team’-testen de verdediging tegen cyberaanvallen verder te versterken. Het programma dat de sector –inclusief DNB zelf- aan deze testen onderwerpt heet TIBER: Threat Intelligence Based Ethical Red Teaming. Doel is om de cyberweerbaarheid van onze financiële kerninstellingen te verhogen door te leren van elkaars best practices.
Introducing Machine Readable Security Features selection criteria februari 2017
Since the level of automation in the cash cycle has grown, banknote equipment manufacturers (BEMs) have become more important during the launch of a new banknote or series. The software of all banknote handling machines (BHMs) needs to be adapted, and often for new machine readable security features (MRSFs) hardware adaptations will be required. Compared to hardware adaptation, the costs for software adaptation are low. This paper explores the criteria for the selection of MRSFs that will enable a smooth introduction on BHMs by software adaptation, with the objective of a high level of security at low implementation costs.
BRAIN - Machine Learning to Measure Banknote Fitness januari 2012

A challenge for central banks is to decide whether used banknotes are still suitable for recirculation, or rather should be shredded and replaced by new ones. Obviously longer use of banknotes reduces the printing costs and environmental burden. Given the huge amounts of banknotes in circulation, determining the fitness of banknotes is not only of importance in cost control, but also poses a serious technical challenge in terms of processing speed and accuracy. With the current technology fit notes are often shredded along with unfit ones. In this paper DNB proposes a fitness detection method that may contribute to a reduction of the amount of unnecessary shreds.

Learning Banknote Fitness for Sorting juli 2011
P. Balke and J-M Geusebroek
In this work, a machine learning method is proposed for banknote soiling determination. We apply proven techniques from computer vision to come up with a robust and effective method for automatic sorting of banknotes. The proposed method is evaluated with respect to various invariance classes. The method shows excellent performance on a large validation set of over 8,000 banknotes from the Eurosystem, while being learned
on only 300 banknotes per denomination.
From Fit to Unfit: How Banknotes become Soiled juli 2011
P. Balke
A banknote is a product with a long tradition. It is well known and commonly used. Yet banknotes still have an unreveiled secrecy, not meaning their security features, but their life! Especially the link between their environment and deterioration remains somewhat a mystery. Four typical deterioration stages of a banknote in circulation in the Netherlands are described in this paper. The study elaborates on earlier work conducted by DNB in the field of banknote soiling.
Payment of cross-border online shopping: behaviour, perceptions and desires januari 2011
Anneke Kosse
In January 2011, De Nederlandsche Bank conducted an online survey among Dutch consumers to get an insight into their behaviour, perceptions and desires with respect to payments of cross-border online purchases (i.e. online shopping at foreign web stores). The main conclusion is that the current range of payment instruments for cross-border online shopping does not satify consumers' needs and that there is a need for a secure and low-cost cross-border payment solution that is based on online banking. The survey conclusions underline the importance of the EPC e-Payment Framework that aims at achieving full reachability for all consumers in SEPA. This Factsheet presents the most important findings of the survey.
Grensoverschrijdend betaalgedrag door Nederlanders in 2009 december 2010
Nicole Jonker en Anneke Kosse

In het kader van SEPA doet de Nederlandsche Bank sinds 2007 ieder jaar onderzoek onder Nederlandse consumenten naar hun grensoverschrijdend betaalgedrag. Begin dit jaar is de meting voor de 4e maal afgehouden. Dit rapport bevat de belangrijkste bevindingen. Duidelijk wordt hoe Nederlandse consumenten in 2009 betaalden in en naar het buitenland, wat zij vinden van de verschillende betaalmogelijkheden en hoe zij aankijken tegen SEPA. De resultaten laten zien dat de eerste gevolgen van SEPA zichtbaar worden, maar ook dat er nog altijd geen sprake is van één Europese betaalmarkt, zowel qua betaalgedrag als qua beleving. Ook wordt duidelijk dat de bekendheid van en beeldvorming over SEPA nog altijd onvolledig en soms zelfs onjuist is. Ook over de IBAN en BIC heerst nog veel onbekendheid. Het wordt dan ook van belang geacht de communicatie richting het publiek op deze punten te verbeteren.

The Colour of Soil november 2010

In this paper the colour of soil on banknotes is revealed. It is demonstrated that soiling changes the spectral reflectance of the banknote surface mainly in the blue part of the spectrum, i.e. soil on banknotes has a distinct yellowish/brownish tint. For euro banknotes the best option to detect soil is a reflection measurement in the blue part of the visual spectrum, more precise around 450 nm. This can be achieved using either using a blue illumination for the soil sensor or using a form of white light and using a blue filter in front of the light capturing device.

New Soiling Test Method: Anti-Dirty Fingers januari 2010
P. Balke

The deterioration of banknotes is mainly studied in practice, i.e. in circulation trials. This is a direct consequence of the lack of knowledge about the physical and chemical processes that cause deterioration in circulation. Because circulation trials have some major drawbacks DNB initiated research on these basic issues. By using an artificial sebum in combination with an ageing treatment a so-called 'Super Unfit' banknote was reproduced under laboratory conditions. It is likely that the sebum on circulated banknotes is due to interaction with the human finger. While the banknote is transferred the banknote is touched and fingerprint deposits are left behind on the banknote. During the lifetime of the banknote this procedure is frequently repeated, i.e. fingerprint deposits will accumulate and eventually will form a layer of aged sebum (soil).

Creditcardgebruik in Nederland oktober 2009
Anneke Kosse

In hoeverre het toegenomen aanbod en de stijgende acceptatie van creditcards in Nederland daadwerkelijk invloed hebben op het betaalgedrag van consumenten is onduidelijk. Daarom heeft de Nederlandsche Bank onderzoek gedaan onder meer dan 2000 huishoudens. Doel van dit onderzoek is inzicht te krijgen in hoe consumenten aankijken tegen het gebruik van creditcards in Nederland. Tevens is onderzocht in hoeverre consumenten de kosten van het gebruik van de creditcard gedeeltelijk willen dragen in de vorm van een opslag geheven door de winkelier.

Grensoverschrijdend betaalgedrag door Nederlanders in 2008 oktober 2009
Nicole Jonker en Anneke Kosse

Met als doel inzicht te krijgen in de mate waarin SEPA en andere ontwikkelingen in het betalingsverkeer het betaalgedrag en de betaalbeleving van consumenten beïnvloeden, doet de Nederlandsche Bank ieder jaar onderzoek naar het grensoverschrijdend betaalgedrag van Nederlandse consumenten. Dit onderzoek beoogt inzicht te verschaffen in het betaalgedrag, de beleving en de wensen van Nederlandse consumenten met betrekking tot betalingen naar en in andere eurolanden en in de ontwikkeling daarvan gedurende de tijd. Een vergelijking van de resultaten met die van voorgaande jaren geeft een indruk van of en hoe internationale betaalgewoonten van Nederlandse consumenten veranderen.

De veiligheid van toonbankbetaalmiddelen juni 2009

Doel van de Nederlandsche Bank is de maatschappelijke efficiëntie van het Nederlandse betalingsverkeer te bevorderen en de veiligheid ervan te waarborgen. Daartoe is het onder andere van belang te weten hoe de consument de veiligheid van het Nederlandse betalingsverkeer ervaart, wat de impact is van het toegenomen aantal fraude-incidenten, en wat de rol van media-uitingen hierbij is. Dit onderzoek geeft inzicht in hoe Nederlandse consumenten aankijken tegen de veiligheid van het Nederlandse toonbankbetalingsverkeer en in welke mate zij hun betaalgedrag hierop aanpassen.

Banknote opinion polls: a method for collecting customer feedback on banknote design maart 2008
Hans, A.M. de Heij

In 2002 DNB introduced the motto 'DNB Knowledge Bank'. Payment systems, one of them being cash, are pointed out by DNB's board as one of the three main knowledge areas of DNB, together with super vision and monetary policy. To support this policy further, the first DNB Cash Seminar was held in Amsterdam on 28 - 29 February 2008. This paper is one of the subjects presented by DNB, contributing to the Seminar's theme 'Consumer research on banknote design'. The paper presents the findings of the 13 opinion polls held by DNB since 1983. These findings are split in two parts: a) unique time series like the public's knowledge of security features and b) recommendations to come to better banknote design. Also other ways to come to public input for banknote design are mentioned.

Programme of Requirements - a powerful tool to develop new, secure banknotes januari 2008
Hans, A.M. de Heij

New banknote designs are often disappointing because:
- The new note is not on time, as a result of endless design loops and time consuming decision making.
- The new note exceeds the development budget because of not foreseen additional research.
- The new note is not attractive and does not communicate.
- And the worst: a mistake is made, e.g. in the text or in one of the images. Or something is forgotten.

Although may be bureaucratic at first glance, working with a clear Programme of Requirements (POR) could diminish the above shortcomings. The graphic designer might qualify the listed requirements ‘as thick as a telephone book’. But in practice working with a POR for new banknotes will save a lot of paper work and will turn out to be efficient and user friendly. Further more it will lead to new design concepts. 

Recently Quality Management is another driver to introduce a Programme of Requirements, especially when central banks want to operate according ISO 9001. A complete POR is a key part in such a procedure.

1-15 van 32 resultaten