{"id":51736,"date":"2015-07-25T13:13:52","date_gmt":"2015-07-25T17:13:52","guid":{"rendered":"http:\/\/oncubamagazine.com\/?p=51736"},"modified":"2015-07-25T13:13:52","modified_gmt":"2015-07-25T17:13:52","slug":"stonegate-bank-cuba-agreement-will-reduce-transaction-costs","status":"publish","type":"post","link":"https:\/\/oncubanews.com\/en\/styles-trends\/technologies-of-communication-and-media\/stonegate-bank-cuba-agreement-will-reduce-transaction-costs\/","title":{"rendered":"Stonegate Bank-Cuba Agreement will reduce transaction costs"},"content":{"rendered":"

Florida-based Stonegate Bank has gone from being a quite unknown name to becoming the first bank in the United States to sign a correspondent agreement with a Cuban financial institution, a historic step that will be crucial in expanding commercial relations between the two countries.<\/p>\n

The agreement was reached on Tuesday, July 21st<\/sup>, with Banco Internacional de Comercio S.A. (BICSA), a bank founded in 1993 that, according to a profile published on the official website of the Central Bank of Cuba, \u201chas an ample network of first-level correspondent banks, mainly in Europe, Asia and the Americas.\u201d<\/p>\n

Once the agreement is operational, in three to four weeks, it will be possible, for the first time in decades, to make direct transactions between Cuba and the United States, instead of having to use a third country in the process.<\/p>\n

Both parties conducted 90 intense days of due diligence before reaching this point, Stonegate Bank President David Seleski told OnCuba<\/strong> in an exclusive interview during his stay in Havana for the signing of the agreement.<\/p>\n

In the difficult art of coming to an understanding with Cuban institutions, a couple of elements have worked in Stonegate Banks\u2019s favour. The most important is probably the bank\u2019s step forward in responding to a request of the Department of State in early 2015, when they were looking for a bank willing to provide services to the Cuban Interests Section in Washington, at a time when that diplomatic mission was sort of \u201cuntouchable\u201d, financially speaking, in U.S. territory.<\/p>\n

Additionally, Seleski\u2019s commercial approach in doing business with Cuba may have done its part in portraying him as a desirable partner for the Cuban part, in that he does not come across as the impatient foreign banker who does not understand the other side\u2019s proceedings and wants to do things his way, but as a businessman who since 2011 has been getting familiar with Cuban regulations and its banking system, and understands the need to advance at a pace and in a way that suits both sides\u2019 interests.<\/p>\n

\u201cOur previous experience in Cuba was an advantage. We had gone through hurdles that other people had not. We already knew how the licensing system worked, and what was permitted and what wasn\u2019t,\u201d said Seleski.<\/p>\n

He also explained that their dealings with Cuba are not part of an exception to embargo regulations. \u201cThe Federal Registry allows for a U.S. bank to provide services to the Cuban diplomatic mission in the United States, and to enter into a correspondent relationship with a Cuban bank. That is, we can give services to the Cuban Embassy and Cuban banks,\u201d he said.<\/p>\n

With regards to the Cuban side, Seleski said that the Cuban government is very cautious when doing business. \u201cThey look into every issue. They don\u2019t just jump into anything. They did their own due diligence on us as well,\u201d he said.<\/p>\n

He also said that his Cuban counterparts had shown a high professional level: \u201cCubans conduct their risk assessment the same way we do in the United States. They are also relying on parties in the U.S. that understand U.S. law to help them. So it\u2019s not just one person making the decisions.\u201d<\/p>\n

In reference to the obstacles that still interfere with a more rapid interaction between the two countries, he spoke of the embargo and other restrictions that need to be overcome. \u201cBut it\u2019s not only the American side,\u201d he said, \u201cit\u2019s also the Cuban side, mainly in terms of regulations.\u201d<\/p>\n

\u201cWhat we want is to speed up the process to transfer money from one country to the other and make it more efficient,\u201d said Seleski. \u201cThat\u2019s what we are focused on now essentially.\u201d<\/p>\n

Currently, any transaction involving Cuban banks is slow and complicated. Not only the money has to go through a bank in a third country -something that necessarily makes the process slower- the transferred amount also has to be exchanged from one currency to another at least twice.<\/p>\n

\u201cRight now transactions have to be done through Canada or Europe, to use an example, where the money needs to be exchanged to Canadian dollars or Euros, respectively. Then, when it gets to Cuba, it has to be exchanged to CUC [Cuba\u2019s hard currency].\u201d<\/p>\n

\u201cMany times there are also problems because some banks are not sure about whether processing transactions involving Cuba is permitted or not, so they may be held and this, of course, delays the process. It\u2019s simply not efficient the way it is,\u201d he said.<\/p>\n

\u201cThe most important thing would be that Cubans were allowed to operate in dollars,\u201d Seleski noted. \u201cThat would definitely contribute to facilitate things considerably.\u201d<\/p>\n

A preliminary study conducted by Stonegate Bank showed that direct transactions would lower current costs by 1% to 4%.<\/p>\n

\u201cThis would make American products more competitive than products from other countries in the Cuban market,\u201d he added.<\/p>\n

In reply to OnCuba<\/strong>\u2019s question about how this deal would benefit the use of American credit cards, especially in connection with MasterCard\u2019s announcement in early 2015 that they would start operating in Cuba soon, Seleski explained that all that is only possible through agreements like the one his bank signed on Tuesday with Cuba.<\/p>\n

\u201cMasterCard obviously was expressing an interest in moving forward but the possibility of using a credit card also depends on the issuing bank. Also, this is something that was not possible without this correspondent relationship,\u201d he said.<\/p>\n

With regards to their plans to expand to other areas, such as remittances or online payment systems like PayPal, Seleski said that they have been contacted by interested parties, but that there is nothing conclusive yet.<\/p>\n

\u201cWe are exploring other avenues,\u201d he concluded. \u201cWe have many plans but we haven\u2019t conducted the necessary research yet so it\u2019s too soon to say which areas would be of interest to us. For now, we\u2019ll focused on moving forward with the correspondent agreement.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Florida-based Stonegate Bank has gone from being a quite unknown name to becoming the first bank in the United States to sign a correspondent agreement with a Cuban financial institution, a historic step that will be crucial in expanding commercial relations between the two countries. The agreement was reached on Tuesday, July 21st, with Banco […]<\/p>\n","protected":false},"author":3134,"featured_media":51658,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13930],"tags":[11573,11471],"ppma_author":[33546,8689],"class_list":["post-51736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologies-of-communication-and-media","tag-banking","tag-u-s-cuba-relations"],"acf":[],"yoast_head":"\nStonegate Bank-Cuba Agreement will reduce transaction costs | OnCubaNews English<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oncubanews.com\/en\/styles-trends\/technologies-of-communication-and-media\/stonegate-bank-cuba-agreement-will-reduce-transaction-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stonegate Bank-Cuba Agreement will reduce transaction costs | OnCubaNews English\" \/>\n<meta property=\"og:description\" content=\"Florida-based Stonegate Bank has gone from being a quite unknown name to becoming the first bank in the United States to sign a correspondent agreement with a Cuban financial institution, a historic step that will be crucial in expanding commercial relations between the two countries. 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