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国际资讯监管与政策

FCA正式对Fintech创企开放用户数据获取申请

去年,英国竞争与市场管理局宣布,为促进行业竞争与创新,未来英国各家银行必须将所有现有技术可达的各项数据(包括产品价格、用户个人交易信息)等对外开放。

也就是说,第三方创企的app或者其他在线平台与服务也可以获取到所需的用户信息。比如,某个创企的app可以获得英国九大银行(包括劳埃德、汇丰、巴克莱、苏格兰皇家银行和桑坦德)中任何一家的最佳抵押贷款价格,或者可以直接获取到授权用户的信息。

该提案预计2018年1月正式生效。第三方企业在获取信息的同时,也要受到用户信息服务(AISPs)和支付发起服务(PISPs)等相关条款监管。理论上来说,金融科技创企有望获得现有市场中90%的账户信息,不过最终能否得到还需个人授权。

据了解,不久前汇丰银行就发布了一款全新的app,计划将现有用户数据与其他银行客户数据整合起来,建立一个覆盖面更广服务更加全面的金融管理在线平台。

Fintech startups are a step closer to getting their hands on customer data from some of the biggest high street banks in another move towards Open Banking.

Firms wanting to take advantage of account information being made available under rules outlined by the competition authority last year can apply to the Financial Conduct Authority from Friday.

Third party firms will be able to build apps and other platforms and services with the data from January 2018, but must be regulated as account information services (AISPs) or payment initiation services (PISPs).

The Competition and Markets Authority last year told banks they must make data, from product prices to individual transactions, technically accessible by other company's following a major review into retail banking to boost competition and innovation.

That means for example, an app created by a startup could access the best priced mortgage from any of the nine banks, including Lloyds, HSBC, Barclays RBS and Santander, or an accountant could be granted access to transaction information.

Fintechs will be able to access more than 90 per cent of the current account market in theory, though it will be up to each person to allow them access.

HSBC has already unveiled its own app ahead of the deadline through which it also plans to aggregate customers information from their accounts held with other banks to create a broader financial management app.


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