ISO 12812

With the rise of digital finance, secure and standardized mobile financial services (MFS) are essential for both consumers and providers. ISO 12812:2017 sets the international requirements for MFS, ensuring safety, interoperability, and efficiency. Quality Asia Certification offers ISO 12812:2017 certification to help organizations establish globally recognized mobile financial service frameworks that are compliant, secure, and trustworthy.

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What is ISO 12812?

ISO 12812:2017 is an international standard titled "Core banking — Mobile financial services." It defines the functional and non-functional requirements for mobile financial services, including mobile payments, account access, and transaction processing. This standard ensures seamless mobile banking operations while safeguarding user data and aligning with legal compliance frameworks.

ISO 12812 is divided into five parts, covering general framework, security, technology approaches, interoperability, and financial application interfaces, enabling institutions to deliver secure and standardized services across different mobile platforms.

Why is ISO 12812 important?

As mobile banking continues to replace traditional methods, financial institutions must address increasing risks related to fraud, data security, and system compatibility. ISO 12812:2017 ensures your mobile financial solutions are future-ready and internationally compliant. Certification by Quality Asia Certification helps you align with global banking practices, build customer trust, and meet regulatory expectations.

What are the benefits of ISO 12812?

  1. Defines robust security protocols for mobile financial services
  2. Promotes interoperability between different mobile banking platforms
  3. Reduces fraud and enhances data protection
  4. Aligns with global mobile payment regulations
  5. Ensures seamless user experience with consistent functionality
  6. Offers structured guidance for innovation in mobile financial applications

What kind of businesses can benefit from ISO 12812?

Certified organizations enjoy competitive advantages, regulatory trust, and customer loyalty. ISO 12812:2017 certification from Quality Asia Certification provides:

  1. Enhanced Brand Credibility
  2. Gain trust from clients and regulators by showcasing a globally recognized standard.
  3. Risk Reduction
  4. Lower exposure to data breaches, unauthorized transactions, and compliance penalties.
  5. Regulatory Alignment
  6. Meet international banking compliance requirements, easing global market entry.
  7. Customer Confidence
  8. Deliver secure and reliable mobile services that improve user satisfaction and loyalty.
  9. Operational Efficiency
  10. Improve system interoperability, reduce integration costs, and enhance service performance.
  11. Business Scalability
  12. Lay a strong foundation for growth in digital finance markets across regions.


Top Tips on making ISO 9001 effective for you.

#1

Top management commitment while practicing and accomplishing the standard is the key to success.

#2

Keeping staff informed about the ongoing practices, a well-communicated plan would increase the motivation and zeal of working in them.

#3

Making sure that the various departments of the organization work as a team for the benefit of the organization and customers as well.

#4

Review systems, policies, processes, and procedures for a smooth working of QMS.

#5

Speaking to customers & suppliers while getting feedback & working on improvements.

#6

Training staff carrying out the internal audits with the opportunity for improvement.

#7

Celebrate your achievement and use the QualityAsia Assurance Mark on your literature, promotional material, and website.

#8

Ensure continuous improvement by regularly reviewing and updating your quality management practices.

#9

Promote a culture of quality by encouraging innovation, accountability, and employee involvement at every level of the organization.

Why QualityAsia?

QualityAsia always vanguard in the auditing and governing of internationally acclaimed standards practices. At QualityAsia, we focus on driving the success of our clients through creating excellence with our trained professional auditors. The content of our service provision, comply with international certification rules defined by the accreditation bodies without burning a hole in your pocket. We will take you through the journey of audits with our best kept audit practices, viz.:

Initial Certification – Stage 1 (Preparatory Phase)
  • Thorough documented information review.
  • Exchange of information with staff through online or onsite presence.
  • Identification of key performances, processes & objectives as per the standard requisites.
  • Analysis of facilities, infrastructure, systems and processes in regard with the requested certification scope with a resource allocation review.

Initial Certification – Stage 2 (On-site Audit)
  • Measurement, reporting & reviewing the performances against key performances objectives.
  • Reviewing the suitability of the system meeting the legal, regulatory & contractual requirements.
  • Operational control of processes, internal audits & management reviews while understanding the responsibilities for the policies.
  • Conclusion based on prescriptive requirements, policy, performance objectives, staff skill, operations, procedures, internal audits, etc.


    Surveillance & Certification Renewal

    Drawing out the scrutiny on various aspects of the previously done audits on effectiveness while reviewing the various processes and control of the operations in the QMS and finally going for the recertification.

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