参与该计划的机构包括苏格兰皇家银行、巴克莱银行、英国汇丰银行、劳埃德银行集团和桑坦德银行，以及MarketInvoice，The ID Co.和iwoca等金融科技创企。
A collective of top UK banks and and financial technology firms have helped to craft a set of guidelines designed to improve engagement between fintech startups and financial institutions.
The new guidelines have been developed by the British Standards Institute through sponsorship from the government-backed Fintech Delivery Panel as part of HM Treasury’s Fintech Sector Strategy.
The document has been jointly created by the UK’s top retail banks - Royal Bank of Scotland, Barclays, HSBC UK, Lloyds Banking Group, and Santander - and vendors, such as MarketInvoice, The ID Co., and iwoca, with the aim of addressing the issues that prevent fintechs and financial institutions from becoming successful allies.
The Publicly Available Specification - PAS 201:2018 - will be freely available not only to the 1,600 fintech companies currently operating in the UK but also to those international startups wanting to engage with UK-based financial institutions.
The PAS provides a number of pointers for companies to bear in mind when pitching to banks, and an explanation of both the commercial considerations and the necessary checks and controls that need to be satisfied to meet business and regulatory demands. This includes recommendations on preparation, data gathering, due-diligence, on-boarding, commercial and contractual processes, as well as data protection and information security considerations.