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Obsah fóra agroserver.sk -> Teleskopické manipulátory -> Open Banking Was Only The Beginning
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Založený: 11 máj 2021
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PríspevokZaslal: Št jún 24, 2021 5:58 am    Predmet: Open Banking Was Only The Beginning Odpovedať s citátom

Open Banking Was Only The Beginning – Welcome To The World Of Open Data

Increasingly banks are moving beyond basic compliance with Open Banking mandates to proactively participate in platforms and ecosystems that better leverage customer data and create truly personalized experiences. For the most part, traditional banks have been slow in their response to the opportunities Open Banking affords, seeing compliance as the principal goal, but that is changing as banks see new entrants build successful business models on data-sharing foundations. In this new world, banks can be manufacturers, packagers or distributors, but whatever roles they choose to play, the traditional vertically integrated approach to banking will look increasingly insular.

Banks' lukewarm response to Open Banking is understandable — they are juggling many investment priorities and thus far data sharing mandates like PSD2 haven’t led to material customer churn or revenue loss. The response of many executives has been ‘much ado about nothing’ — which was amplified by customers who, during the pandemic, valued the support of traditional banks rather than the temptation to try something new. However, more than three-quarters (76%) of banks worldwide expect customer adoption and Open Banking application programming interface (API) usage to increase by 50% or more in the next 3–5 years. The combination of an increase in API calls and the availability of platforms to connect customers to services within and outside a bank will drive the next evolution of Open Banking — the “Open Data” economy. สล็อตทดลองเล่น

A key enabler of the Open Data trend is the blurring of industry boundaries. Companies outside the banking industry are partnering with fintechs and others to bring financial products and services onto their platform to better serve customers and create a stickier customer proposition. For example, Enel, an Italy-based utility company, is collaborating with Swedish fintech Tink to launch an account aggregation solution, and with SIA to create mobile banking solutions. In Southeast Asia, ride-hailing platforms GoJek and Grab now offer dozens of on-demand services to more than 170M customers through their apps, from payments and digital wallets to transportation and food delivery services.
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