最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

两个“开放银行”概念,如何分得清楚?

国际资讯

两个“开放银行”概念,如何分得清楚?

2018年伊始,欧洲与英国相继推出PSD2和Open Banking法规,开创了银行业近十年来的又一个变革时代。

然而,希望与现实总是存在着巨大的差异。比如在英国,有几家大型银行并没能在规定期限到来之前完成改革提出的系统升级。而在欧洲,因为银行合规所需的技术标注尚在商榷之中,法规落实可能要等到2019年才能正式开始。

这里我们必须先帮大家厘清一个问题,也就是Open Banking与open banking的区别。

首先,所谓的Open Banking (包括PSD2等类似法律)是一种拯救银行业的新规,而且其实并不受到银行欢迎,目前也很少为消费者所知。现有的媒体报道大多都是负面的,有关安全与隐私担忧等问题都亟需积极调整。

虽然看起来差不多,但是open banking指向的却是另外一个范畴,既通过现代化、开放式、科技型经营战略来改革金融服务业。自2008年以来,谷歌、亚马逊和Facebook等科技巨头给传统银行业运营带来了不小的挑战和冲击。为了避免被淘汰,银行业纷纷开始利用金融科技或者与大型企业开源结合来实现自身变革。

总而言之,Open Banking法规生效还需时日,而open banking营商模式则在快速塑造着新一代的金融模式。Open Banking有望在未来为新金融模式提供法律保障,而open banking则将会为推动未来金融监管提供更多的监管视角和需求。

PSD2 and Open Banking went live in Europe and the UK on Saturday, in what may prove to be one of the most transformational moments in banking in decades.

In the UK, there have been a few challenges to implementation, including a handful of the country’s largest banks not managing to make the required system changes in time. Furthermore, across Europe, in a rather bizarrely phased rollout, the technical standards that banks must meet in order to comply with the legislation are still being developed and won’t become mandatory until 2019.

In an admirable (if accidental) case of legislative foresight, PSD2/Open Banking may be the law that saves banking. Initially challenged by disruptive fintechs post-2008, and more recently by the likes of Google, Amazon and Facebook, banks are being forced to modernise their business models before they become obsolete.

Which brings us to the important distinction between Open Banking (the legislation) and open banking (the strategy of bringing modern, open, tech-forward business models to financial services). The former is a directive largely disliked by banks and ignored by consumers, while the latter underpins the current wave of open and connected banks, fintechs and big tech firms transforming financial services.

The lead-up to the PSD2/Open Banking launch was confused, and coordinated communication to consumers outlining the changes hasn’t been forthcoming. So far, media coverage has been largely negative, highlighting security and privacy concerns rather than the massive customer benefits the legislation enables. Unfortunately, these concerns are valid.

Interim measures

With banks slow to complete the technical development required to fully comply with new legislation, risky interim measures have been put in place. ‘Screen scraping’, which requires customers to divulge passwords to third parties, is the interim method for PSD2 compliance. According to Megan Caywood, chief platform officer at Starling Bank, “in many cases, banks are sending their customers information saying ‘share your log-on credentials’ with third parties”.

APIs, on the other hand, offer security enhancements and functionality improvements over screen scraping. “Whenever you’re doing screen scraping, you’re giving a third party your log-in credentials so they can access all of your bank data,” says Megan. “APIs are nice because they share information securely, and they also give you granular control of the data that’s shared. Screen scraping says take my log-on credentials and access all of my bank data.”

There’s significant work left to do in order to get PSD2/Open Banking right, but it’s a mistake to be overly focused on legislative changes. While the media rages, incumbent banks delay and customers puzzle over the new laws, fintech and big tech players such as Bud, TransferWise, Tandem, Starling, Monzo, Google, Apple, Amazon and many others are making quiet progress towards creating a very different financial services industry.

While Open Banking (the legislation) takes its time to take effect, open banking (the business model) is rapidly shaping the future of finance.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

常笑未央编辑团队

213
总文章数

TA还没写个人介绍。。。

加拿大成立“开放银行”咨询委员会

Finextra | 移动支付网 1天前

BBVA与Anthemis携手在伦敦设立金融科技孵化器

Emily Nico... | CITY A.M. 1天前

SEC宣布成立创新与金融科技战略中心

高旭 1天前

欧洲再多一家金融科技基金,预计规模5亿美元

George Ged... | ALTFI 2天前

从3家创企看阿根廷金融科技产业未来

栀航 10-17

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1