标准2025手机银行不仅使我们生活更加便利，还使那些没有银行服务的人获得银行服务。新发布的一系列标准将为该技术的扩大和发展提供平台，为更多的人提供强大而安全的银行服务。
根据世界银行统计，全球约有20亿人处于“无银行帐户”状态，即他们无法访问银行账户。现金为王，这会导致一些现金带来的问题。不过，越来越多的人，尤其是在发展中国家，已经拥有了移动设备，手机在金融领域的功能日愈完善，能够提供更多的服务和交易。
移动设备能够在大量平台和金融机构间进行交易得益于强大的界面和较高的操作性。日前已布的新系列标准有国际标准和技术规范。ISO 12812 核心银行——移动金融服务 规定了更高互操作性的常用术语和要求，同时，它还规定了技术组件及其接口以及不同参与方的作用，使每个人都在同一而面上。
负责本系列标准制定的ISO技术委员会ISO/TC 68/SC 7主席帕特里斯.赫佐格（Patrice Hertzog）表示，由于世界上有更多的手机超过银行账户，开发该技术将为更多用户提供安全的金融服务。
“金融存取有诸多益处，使个人和企业能够规划自己的生活，也能够投资于教育、健康、保险等。世界银行的目标是2020年前实现全球人民能够享受金融存取服务，这些标准的发布有利于实现此目标。
“此外，通过支持此领域技术的开发和实施，该标准将会对其他部门的标准，例如ISO 20022金融信息等进行补充，改善并提升终端用户的使用体验。
该系列标准由工ISO / TC 68 / SC 7 /WG 10作组制定，其秘书处由ISO的法国成员法国标准化协会（AFNOR）承担。WG 10工作组由来自多个国家和部门的专家，来自行业的联络机构，如欧洲支付委员会和环球同业银行金融电讯协会（Swift），以及诸如国际消费者协会这样的消
费者代表。
A step towards financial inclusion for all with new ISO standards
Mobile banking not only makes our life easier, it gives access to banking services to those that have none. A new series of standards just published will provide the platform for this technology to expand and grow, bringing robust and secure banking services to more people than ever before.
According to the World Bank, around two billion people worldwide are “unbanked”, meaning they have no access to a bank account. Cash is king and that can bring with it its own problems. However, more and more people, particularly in developing countries, have a mobile device, whose functionality in the financial world is growing daily, offering more and more services and transactions.
The ability of mobile devices to execute transactions between the large number of platforms and financial institutions is due to a robust interface and effective operability. A new series comprising International Standards and technical specifications has just been published. ISO 12812, Core banking – Mobile financial services, defines common terms and requirements for greater interoperability. It specifies the technical components and their interfaces and the role of the various parties so that everyone is on the same page.
Patrice Hertzog, Chair of ISO/TC 68/SC 7, the ISO technical subcommittee that developed the series, said that with more people having mobile phones than bank accounts in the world, developing this technology will bring secure financial services to a wider audience.
“Financial access has many benefits, allowing people and businesses to plan their lives and also invest in things like education and health, and access insurance. The World Bank has a goal of universal financial access by 2020, and these standards will help contribute to that.
“In addition, through supporting the development and implementation of technology in this area, the standards will provide a catalyst for refining and improving the experience of the end user by complementing other standards in the sector such as ISO 20022 for financial messaging,” he said.
The series was developed by working group WG 10 of ISO/TC 68/SC 7, whose secretariat is held by AFNOR, ISO’s member for France. WG 10 included experts from a wide range of countries and sectors, including liaison organizations from industry, such as the European Payments Council and Swift, and consumer representatives like Consumers International.
The ISO 12812 series can be purchased from your national ISO member or through the ISO Store.