Commercial Consent Platform (ACS)

2024: Commercial Consent Platform Launch Plan

Until the end of 2024, and Bank of Russia Ministry of Digital Development financial market participants plan to launch a commercial consent platform (PKS) on. This was announced portal "Public services" on May 3, 2024 by the press service State Duma of the Russian Federation Anton Nemkin of the deputy with reference to. News

The commercial consent platform will allow citizens to receive the services of banks, brokers, microfinance and insurance organizations without additional confirmation of information about themselves. In the near future, PKS may earn in the field of medicine, as well as retail.

It is assumed that the Russians will not need to additionally enter personal information about themselves - it will be enough to provide consent through "Public services." At the same time, the platform will store only the consent of citizens, and not personal information about them.

According to market participants, the platform will initially function on the basis of an open API. In the future, it is possible to use other formats of interaction.

When a person needs to remotely receive the service of a financial organization, and it will not have enough data about it, the person will be able to consent to the transfer of this data from another financial organization that has this information. For example, if a person needs to extend the mortgage insurance policy, he will be able to agree that his credit institution will transfer the necessary information to the insurer, the Central Bank explained.

After testing the pilot project, the client path of Russians will be greatly simplified, says Anton Nemkin. {{quote 'The citizen will no longer need to constantly enter personal information about himself. Information will be transmitted by market participants, without the need to "include" a citizen. For several years, such a mechanism has been operating in the public sector. Due to the system of interdepartmental interaction, the authorities request information from each other automatically to provide a particular state service. A similar approach is assumed here, - said the deputy. }}

Of course, these are primarily the financial and insurance segments. But in the context of digitalization, the use of big data is spreading more and more actively, "the deputy explained.

The user will know what kind of consent he provided and which organizations. In addition, citizens will have the opportunity to easily withdraw any consent provided earlier, - said Nemkin.