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We're with you on the go (Global Image)

Loren

É com muito entusiasmo que anunciamos o lançamento da nossa plataforma bancária transacional baseada na nuvem juntamente com uma parceria estratégica com a [Investec](https://www.investec.com/en_int/welcome-to-investec.html "Investec Homepage"). 

A pandemia acelerou significativamente as transformações digitais. No entanto, muitas empresas por toda a Europa foram deixadas para trás, enquanto tentam aceder a serviços financeiros digitais. Incluem-se aqui alguns bancos, mas também negócios online como marketplaces e mesmo algumas empresas fintech. Existe uma enorme vontade por parte das empresas tradicionais e não tradicionais de reduzir o tempo de transformação de anos para meses ou mesmo semanas. 

Com esta plataforma, acreditamos que vamos ajudar esses negócios a levar os seus produtos bancários digitais a todo um outro nível e colocá-los no mercado o mais rapidamente possível para responder à procura dos consumidores.

A nossa nova plataforma BaaS é baseada na nuvem, modular e totalmente integrada com os principais parceiros de serviços financeiros. Os utilizadores BaaS terão acesso a tudo de que precisam para prestarem serviços como tecnologia de gestão financeira, avaliação de risco ou desenvolvimento de aplicações móveis. Os clientes poderão utilizar a plataforma para criar serviços de gestão financeira ponto a ponto, totalmente feitos à medida, que podem ser adaptados a cada país. 

Isto torna a nossa plataforma económica e ajustável, ao mesmo tempo que damos aos prestadores de serviços financeiros a possibilidade de oferecerem uma experiência de gestão financeira digital moderna aos clientes, de forma célere.

A Investec é um banco distinto que disponibiliza serviços de investimento e gestão de património a clientes privados, institucionais e empresariais. Irão adotar a nossa nova plataforma BaaS para acelerar o desenvolvimento da sua proposta enquanto banco transacional em colaboração com a Monese. 

A Monese e a Investec estão perfeitamente alinhadas e empenhadas na abertura de todas as possibilidades bancárias digitais aos consumidores, em particular, num mundo pós-pandemia. Juntos, queremos assegurar que os bancos, as empresas fintech e os marketplaces conseguem dar resposta à procura acelerada de serviços financeiros digitais por parte dos consumidores, após a pandemia.

__Norris Koppel, fundador e CEO da Monese, diz:__ “Estamos muito entusiasmados com o lançamento da nossa plataforma BaaS e muito satisfeitos por ter um parceiro tão distinto como a Investec, que traz consigo uma experiência significativa no que respeita à oferta de serviços bancários excecionais. 

Na Monese, criámos uma plataforma de tecnologia inovadora, que foi testada e comprovada e integrada com alguns dos melhores parceiros no setor. De acordo com a nossa experiência, os prestadores de serviços bancários básicos cobrem apenas uma parte dos produtos e serviços necessários para dar resposta às atuais exigências em termos de bancos digitais. Como tal, a nossa oferta BaaS funciona totalmente ponto a ponto: é tudo de que precisa para lançar uma conta corrente, de raiz. 

__Lyndon Subroyen, diretor global de tecnologia e digital na Investec, diz:__ “Temos uma relação de longa data com a Monese, tendo investido neles por meio do fundo Outward VC e outros instrumentos de investimento mais pequenos, nos últimos anos. Esta parceria estratégica vai permitir-nos tirar proveito da escala, dos conhecimentos e capacidades digitais deles para disponibilizar a oferta de conta corrente digital da Investec no Reino Unido. Estamos confiantes de que encontramos na Monese o melhor parceiro para melhor capacitar os nossos clientes."

A nossa parceria com a Investec é apenas uma das muitas em que tivemos o orgulho de participar no ano passado, onde se inclui uma parceria estratégica de vários anos ao nível da Europa com a Mastercard e adotámos também a plataforma bancária nativa Vault, da Though Machine.

A nossa nova plataforma BaaS vai complementar a nossa app financeira móvel, que permite que os clientes na Europa [abram uma conta](https://monese.com/features/account-opening "Opening an account has never been easier") rapidamente em vários idiomas e moedas. Se tiver interesse em saber mais sobre a plataforma, envie-nos um e-mail para [platform@monese.com](mailto:platform@monese.com) com quaisquer questões.

E anunciamos uma nova parceria estratégica com a Investec



Chegou a nossa plataforma Banking\-as\-a\-Service



Baas Hero

baas banking as-a-service monese coins cloud-based platform technology

Blog > Banking-as-a-Service

É com muito entusiasmo que anunciamos o lançamento da nossa plataforma bancária transacional baseada na nuvem juntamente com uma parceria estratégica com a Investec. 

Chegou a nossa plataforma Banking-as-a-Service   

Part of our mission at Monese is to make financial services as fair, transparent and safe as possible. With that in mind, we want to share how we protect you, your money and your identity.  

## How your money is protected                                                
As you might know, we're authorised by the Financial Conduct Authority (FCA) as an e-money institution. Monese accounts are e-money accounts, and they’re provided by our long-term partner [PrePay Solutions](https://www.pps.edenred.com/ "PPS") (PPS), who is authorised and regulated by the FCA and the National Bank of Belgium (NBB) to issue e-money and provide payment services. As your account is provided by PPS, they’re also responsible for protecting your money.

At Monese, your money is protected through a process known as “safeguarding”.

### What is safeguarding?
Safeguarding means your money is kept separate from any money owned by Monese or PPS and it’s placed into a secure account with an authorised bank, or covered through an insurance policy or similar guarantee. __We never lend your money to anyone and it’s always available to you, on demand__. 

__There’s also no upper limit per customer or account for safeguarding. This means that all the money within your Monese account is protected.__

The safeguarding process makes sure that there’ll always be enough money to repay all customers if an e-money institution goes out of business. In the unlikely case that this happens, the process will be handled by an insolvency practitioner or administrator. It's also worth noting that because the administrator can deduct their costs from this money, you might get slightly less than your full account balance back and it may take longer. 

Banks offer different protection to their customer money. For example, in the UK, this is known as Financial Services Compensation Scheme (FSCS) — a statutory scheme that repays UK customers if a bank goes out of business and can’t repay customers itself. As explained above, your Monese account is protected through the safeguarding process. 

FSCS protection is limited to £85,000 per individual customer per covered firm, but there’s no upper limit per customer or account for safeguarding. This means that all the money within your Monese account is protected.

It’s also worth noting, for our customers in the UK, that in the unlikely case that an e-money institution goes out of business, it might take longer than an FSCS claim — which normally pays out within seven days — to return your money.

Safeguarding also applies to all pots you have with Monese, and similar safeguarding principles apply to money in EUR and RON accounts. Money you have in a savings account with Raisin is protected by the FSCS (or equivalent in Europe) as it’s deposited with authorised banks.

You can read more about how your money is safeguarded in section 2.2 of our [Terms](https://monese.com/terms "Terms & Conditions"). 
Here’s a [page](https://www.fca.org.uk/consumers/using-payment-service-providers "Using payment service providers") on the FCA’s [website](https://www.fca.org.uk/consumers/using-payment-service-providers "Using payment service providers") with more information for our UK customers.
If you’re a UK customer, you can also head to the FCA's website to find out more about the main differences between banks and e-money firms, or for more information on safeguarding requirements, go [here](https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements "Safeguarding requirements for authorised payment institutions and electronic money institutions"). 

Bear in mind, though, there are times when you may not have instant access to your account. On rare occasions, we may need to block your account if it doesn’t meet certain requirements. You can read more about situations like this in our [terms and conditions](https://monese.com/terms "T&Cs") or on our [blog](https://monese.com/blog/blocked-account "Why is my Monese account blocked?").

## Keeping you and your details safe 
Protecting you, your money and your identity is our number one priority, and it sits at the heart of everything we do here at Monese. We’ve developed technologies and processes to protect you against fraud. 

To help us detect unusual activity, we use our own state-of-art systems to stay one step ahead of fraudsters and cybercriminals.  And it’s not just for you — we too don’t want our products to be used for financial crime. You can be confident that your personal information, account and money are safe and secure with us.

We’re also members of the fraud intelligence agency CIFAS, helping us stay in constant communication with other banking services and provide insight into fighting cybercrime.

## What can you do to keep yourself and your money safe?                                                            
There are many things you can do yourself to stay protected and keep your money safe and secure:

- Sign up to Monese with your own phone and set a strong passcode for your app. 
- When you’re out and about, be sure to use Privacy Mode, pay with your phone whenever you can and if you’ve lost your card, lock it in-app. 
- Check your transactions regularly and never share any sensitive or private information on public forums. 
- Using a [virtual card](https://monese.com/blog/create-virtual-card "Create a virtual card") is a good way to stay secure, particularly when you’re shopping online. 

You can read more about how you can keep your Monese account protected [here](https://monese.com/blog/keeping-monese-account-protected "Keeping your Monese account protected").

Online criminals and their schemes are becoming more sophisticated every day. New and complex ways to trick and rob innocent people of their money are constantly being created. Make sure you’re aware of things like [how we at Monese get in touch with you](https://monese.com/blog/make-sure-youre-talking-to-us "How to make sure you’re really talking to us"), how to tell if you’re on a legitimate Monese website or social media page, plus anything else we’d never ask of you. 

For even more advice on keeping yourself secure and how you can best keep an eye out for scams, head to our [blog](https://monese.com/blog-list?cat=security "Latest articles - Security").   

<br/><br/>

We’ll always work to protect you, your details and your money. If you have any questions, don’t hesitate to get in touch on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com).

Everything you need to know about how we protect you, your money and your identity 

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Publicado por Alexandra

Chegou a nossa plataforma Banking-as-a-Service

How we keep you and your money safe

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