Le Royaume-Uni rêve d’une API bancaire ouverte

Le Royaume-Uni continue d’être un moteur d’initiatives pour sa finance à l’image de son dernier projet: une API bancaire ouverte.

un petit clic pour ma veille

En déplorant les inefficientes opérationnelles et financières découlant des asymétries d’information dans le secteur financier, le Trésor souhaite ainsi développer un cadre facilitant les échanges de manière standardisée. Il explore donc cette opportunité dans un rapport analysant comment des entreprises technologiques financières font un meilleur usage des données bancaires grâce à des interfaces de programmation d’applications (API) et des données ouvertes.

En introduction, le Trésor résume ses objectifs de la manière suivante:

The Open Data Institute was commissioned by HM Government and engaged Fingleton Associates to explore how competition and consumer outcomes in UK banking could be affected by banks giving customers the ability to share their transaction data with third parties using external Application Programming Interfaces (APIs). As part of our work, we also reviewed how these outcomes would be improved if banks published non-personal data as open data.

These two forms of data access comprise the core reference points throughout the document. In the main, when we refer to external APIs we mean read only access to some or all transaction history data and other account information. Occasional references to write access, such as the ability to initiate payments, are labelled as such. When we refer to open data, we generally describe the data set in question on each occasion.

We largely focus on the implementation of these data sharing concepts in two core banking markets: Personal Current Accounts (PCAs) and SME Lending. However, we have also tried to capture some of the benefits that would accrue in other adjacent markets.

Le rapport de 91 pages est disponible ci-dessous avec un passage en revue intéressant sur l’utilisation des APIs aujourd’hui dans le domaine financier (page 16 à 22) :

Cliquer pour accéder à 141202_API_Report_FINAL.PDF

Un article intéressant en relation avec cette actualité et dont est extrait le paragraphe suivant:

This week, the Open Banking Working Group (OBWG) published its framework for the UK Open Banking Standard. The framework seeks to create:An open API for data that’s shared, including, but not limited to, customer data.An open data API for market information and relevant open data.Secure, publicly accessible web APIs have been around for more than 10 years in the financial services sector. Many popular ecommerce platforms employ APIs to increase adoption by exposing various features of the underlying platform to third-party application developers. These include PayPal, Stripe, Authorize.Net and LevelUp. Payment APIs have grown by almost 2,000% since 2009, with financial APIs growing at more than 470% during that time.

http://banknxt.com/55745/uk-open-banking-api-framework/

Veilleur et spécialiste en cybersécurité

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