Evropski fintechi združujejo moči, da bi odprte finance postale resničnost

Številni finančni tehnologi so združili moči za razvoj in spodbujanje odprtega finančnega ekosistema v Združenem kraljestvu in EU, ki ga podpirajo vmesniki za programiranje aplikacij (API).

Združenje za odprte finance (OFA), ki med svoje člane šteje Plaid, GoCardless in TrueLayer, želi uvesti dobo odprtih financ na približno enak način, kot je to storila direktiva EU o plačilnih storitvah (PSD2016) iz leta 2 za odprto bančništvo.

Kot naslednji korak v odprtem bančništvu neprofitno trgovinsko združenje upa, da bo odprto financiranje podjetjem in potrošnikom omogočilo "večji nadzor in preglednost njihovega ekonomskega življenja".

OFA, ki deluje iz Bruslja in Londona, ima tri ključne cilje: potrošnikom in podjetjem omogočiti dostop in uporabo svojih finančnih podatkov prek tretjih ponudnikov; razviti takojšnjo plačilno metodo, ki temelji na odprtih plačilih; in spodbujati "dobro delujoč" odprti finančni ekosistem.

The OFA has appointed Nilixa Devlukia as chair of the organisation. She has previously held senior roles at the UK’s Financial Conduct Authority (FCA) and the European Banking Authority.

Devlukia says industry, policy makers and regulators must come together to “make open finance a reality”.

Devlukia adds: “Through the promotion of an API-focused agenda in both payments and data, OFA aims to promote a healthy and sustainable fintech ecosystem, in which consumers and businesses all benefit from improved, innovative services.”

The need for collective efforts to make open finance a reality come as governments, regulators and industry in the UK and EU have begun to think about how such an ecosystem would work.

The European Commission has recently completed a public consultation on open finance with a legislative initiative hopefully to follow in 2023.

In the UK, open finance has been on the table since the FCA’s Call for Input in 2019 and a new ‘Smart Data’ bill introduced in July that could allow sector authorities to create a new open finance framework.

The OFA’s current members are Armalytix, Crezco, finAPI, GoCardless, Nuapay, Ordo, Plaid, Token, TrueLayer, Volt, Worldline, Worldpay and Yapily.