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加拿大启动开放式银行公众咨询

其他国际资讯

加拿大启动开放式银行公众咨询

2018年9月,加拿大财政部成立了一个开放式银行咨询委员会,针对是否应该追随英国脚步,简化第三方金融服务提供商获取个人用户银行数据流程一事展开调查。

近日,加拿大政府还就此发起了一项公众意见咨询,希望借此了解公众对于第三方分享财务数据的意愿,并就开放式银行是否能提供实际效益,如何管理与消费者保护、隐私和安全相关的风险以及政府应该在任何方面发挥何种作用提出意见。

加拿大政府表示,开放式银行业务可以鼓励供应商提供更具竞争力和创新性的定制产品和服务。此外,客户可以从更高的透明度中受益,帮助他们做出更明智的决策,更好地转移和管理资金。

然而,加拿大银行家协会却并不太喜欢这个想法,并曾警告称,让第三方获取客户数据可能会带来一系列风险和相关后果。

据了解,本次意见征询将于2月11日结束,之后该委员会还将就此提交一份开放式银行模式价值报告。

 

 

The Canadian government has launched a public consultation on the merits of Open Banking as it seeks to gauge consumer enthusiasm for sharing financial data with third parties.

The Department of Finance Canada set up an Advisory Committee on Open Banking in September to investigate whether the country should follow the UK in making it easier for people to let third party financial services providers access their banking data.

Now, a consultation paper has been published and individuals and organisations are being invited to offer their opinions on whether open banking would provide meaningful benefits, how risks related to consumer protection, privacy and security should be managed, and what role government should play in any implementation.

The government says that open banking could spur providers to offer more tailored products and services, on a more competitive and innovative basis. In addition, customers could benefit from greater transparency, helping them to make more informed decision and move and manage their money better.

The Canadian Bankers Association is less enamoured with the idea, and has in the past warned that giving third parties access to customer data could "give rise to contagion, reputational and other types of risks with broad-ranging consequences".

Comments on the consultation can be submitted until 11 February, after which, the committee will deliver a report assessing the merits of open banking.

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