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Meil on väga hea meel teatada oma pilvepõhise tehingupanganduse platvormi käivitamisest koos strateegilise partneri [Investeciga](https://www.investec.com/en_int/welcome-to-investec.html "Investec Homepage"). 

Pandeemia on märkimisväärselt kiirendanud üleminekuid digitaalsetele lahendustele. Ometi pole paljudel ettevõtetel üle Euroopa õnnestunud digitaalsete finantsteenustega kaasa minna. See hõlmab mõningaid panku, aga ka veebiettevõtteid (nt kauplemiskohad) ja isegi mõningaid finantstehnoloogia ettevõtteid. Traditsiooniliste ja mittetraditsiooniliste ettevõtete seas on tohutu tahe lühendada üleminekuaega aastatelt kuudele või isegi nädalatele. 

Usume, et selle platvormi abil saame aidata neil ettevõtetel viia oma digitaalpangandus täiesti uuele tasemele, viia oma tooted turule nii kiiresti kui võimalik ja jõuda tarbijate nõudlusest ette.

Meie uus pangandus kui teenuse platvorm on pilvepõhine, modulaarne ja teeb koostööd juhtivate finantsteenuste partneritega. Pangandus kui teenuse kasutajatel on juurdepääs kõigele, mida on vaja selliste teenuste nagu rahahaldustehnoloogia riskianalüüsi või mobiilirakenduse arendamiseks. Platvormi kasutades saavad kliendid luua spetsiaalselt nende nõuetele vastava, lõppkasutajale sobiva veebipõhise rahahaldusteenuse, mida saab riigiti kohandada. 

Tänu sellele on meie platvorm tasuv ja hõlpsalt laiendatav, andes samas finantsteenuste pakkujatele võimaluse pakkuda klientidele kiirelt kaasaegset digitaalset rahahalduskogemust.

Investec on omanäoline pank, mis pakub investeerimis- ja varahaldusteenuseid era-, institutsionaalsetele ja äriklientidele. Meie uue pangandus kui teenuse platvormi kasutuselevõtuga kiirendavad nad koostöös Monesega oma ettevõtte tehingupanganduse arendamist. 

Monese ja Investec on tihedalt seotud ja oleme pühendunud sellele, et avada tarbijatele digitaalse panganduse kõik võimalused, eriti pandeemiajärgses maailmas. Meie eesmärk on üheskoos tagada, et pangad, finantstehnoloogiaettevõtted ja kauplemiskohad suudaksid rahuldada tarbijate seas kasvava pandeemiajärgse nõudluse kaasaegsete digitaalsete finantsteenuste järele.

__Monese asutaja ja tegevjuht Norris Koppel ütles: __„Meil on väga hea meel BaaS-i platvormi käivitamise üle ja hea meel, et meil on Investeci näol nii silmapaistev partner, kes panustab suure kogemusega erakordse pangandusteenuse pakkumisel. 

Oleme Moneses loonud tipptasemel tehnoloogilise platvormi, mida on proovitud ja testitud ning mis on integreeritud mõnede parimate partneritega selles valdkonnas. Meie kogemuse kohaselt katavad tavapanganduse pakkujad vaid väikese osa toodetest ja teenustest, mis on vajalikud kaasaegse digipanganduse nõudmistele vastamiseks ja seega on meie BaaS-i lahendus täielik – see on kõik, mida vajate arvelduskonto käivitamiseks nullist." 

__Lyndon Subroyen, Investeci digi- ja tehnoloogiavaldkonna juht, ütles:__ „Meil on Monesega pikaajaline suhe, kuna oleme viimastel aastatel investeerinud neisse Outward VC fondi ja väiksemate investeerimisvahendite kaudu. See strateegiline partnerlus võimaldab meil kasutada nende haaret, teadmisi ja digitaalseid võimalusi Investeci digitaalse arvelduskonto pakkumiseks Ühendkuningriigis. Oleme kindlad, et Moneses oleme leidnud parima partneri, kes pakub meie klientidele täiustatud võimalusi."

Meie partnerlus Investeciga on vaid üks paljudest eelmise aasta koostööprojektidest, mille üle uhked oleme. See hõlmab mitmeaastast strateegilist partnerlust Mastercardiga Euroopas ja oleme kasutusele võtnud ka Thought Machine'i pilvepõhise panganduse platvormi Vault.

Meie uus pangandus kui teenuse platvorm täiendab meie mobiiliraha rakendust, mis võimaldab klientidel üle Euroopa [avada kiiresti konto](https://monese.com/features/account-opening "Opening an account has never been easier") mitmes keeles ja valuutas. Kui soovid platvormi kohta lisateavet saada, saada meile küsimused aadressile [platform@monese.com](mailto:platform@monese.com).

Lisaks anname teada uuest strateegilisest partnerlusest Investeciga



Meie pangandus kui teenuse platvorm on kohal



Baas Hero

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

Blog > Banking-as-a-Service

Meil on väga hea meel teatada oma pilvepõhise tehingupanganduse platvormi käivitamisest koos strateegilise partneri Investeciga. 

Meie pangandus kui teenuse platvorm on kohal   

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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