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市場調查報告書

全球開放銀行:美國進步以跟上全球運動的步伐

Open Banking Goes Worldwide: U.S. Inroads are Keeping Pace with Global Efforts

出版商 Mercator Advisory Group, Inc. 商品編碼 1021299
出版日期 內容資訊 英文 19 Pages, 1 Exhibit
商品交期: 最快1-2個工作天內
價格
全球開放銀行:美國進步以跟上全球運動的步伐 Open Banking Goes Worldwide: U.S. Inroads are Keeping Pace with Global Efforts
出版日期: 2021年08月02日內容資訊: 英文 19 Pages, 1 Exhibit
簡介

本報告評估了全球範圍內擴大開放銀行的努力,並檢查了國家方法,包括採用的 API 標準。一些國家專注於支付,一些國家專注於數據交換,一些國家將數據訪問作為消費者的權利。

我們對引入開放銀行業務的國家/地區進行了全球審查。它揭示了各國正在採取哪些方法來立法開放銀行業務,以及標準機構依靠什麼來實施提供數據和支付訪問權限的 API。

美國金融機構和金融科技構建 API 門戶策略如何嘗試對參與公司進行身份驗證、保護其 API 基礎設施並為不同用例構建標準 API。

刊登公司:

ACI Worldwide、Afinis、American Express、Ant Group、API Exchange (APIX)、ASB Trust Bank (ASB)、ASEAN Bankers Association、ASEAN Financial Innovation Network (AFIN)、Australian Competition and Consumer Commission (ACCC)、Bank of America、Bank of New Zealand (BNZ)、BB&T、BMO、BNY Mellon、Bottomline Technologies、CapitalOne、Chase、CIBC、Citi、Citizens Bank、City National Bank、Commonwealth Scientific and Industrial Research Organisation (CSIRO)、CSG International、Data61、Datacom、Diebold Nixdorf、Discover、Early Warning、Federal Deposit Insurance Corporation (FDIC)、Financial Data Exchange (FDX)、Finastra、FIS、Fiserv、FISPAN、Hong Kong Monetary Authority (HKMA)、HSBC、Intuit、Jack Henry、Japanese Bankers Association (JBA)、JPMorgan Chase、Konsentus、Mastercard、MicroBilt、Microsoft、Ministry of Economy、Trade and Industry (METI)、Monetary Authority of Singapore (MAS)、National Automated Clearing House Association (NACHA)、NCR、New York State Department of Financial Services (NY DFS)、Office of the Australian Information Commissioner (OAIC)、Open Banking Implementation Entity (OBIE)、Oracle、Paymark、Payments NZ、PayPal、Phixius、PNC Bank、PSCU、Q2 Software、RBC、Sage、SAP、Securities and Exchange Commission (SEC)、SHAZAM、TD Bank、Temenos、The Banking Industry Architecture Network (BIAN)、The Clearing House、The Federal Reserve Banks、The Global Financial Innovation Network (GFIN)、TradeMe、U.S. Bank、U.S. Federal Reserve Board、U.S. Office of the Comptroller of the Currency (OCC)、US Bank、US Financial Industry Regulatory Authority (FINRA)、USAA、Visa、Wells Fargo、World Bank Group's International Finance Corporation (IFC)

調查亮點:

  • 對試圖標準化開放銀行業務的主要標準機構的審查
  • 審查嚴重延遲互操作性的問題,尤其是合規性和互操作性測試的需要
  • 針對與開放銀行 API 開發相關的法律方法、特定立法和標準機構的特定國家/地區審查
目錄

New report from Mercator Advisory Group evaluates the worldwide expansion of open banking initiatives, reviewing approaches taken by each country including the API standards they embrace. Some countries have focused on payments, others on data exchange, while others have made data access a consumer right.

Mercator has completed a worldwide review of countries embracing open banking. This review identifies the approach each country has taken to legislate open banking and also identifies the standards bodies that they rely on to implement the APIs that deliver access to data and payments. This knowledge is important for any supplier that intends to enter these markets. Mercator Advisory Group's latest research report, “ Open Banking Goes Worldwide: U.S. Inroads are Keeping Pace with Global Efforts ” , evaluates the legislation and technology standards that are being promulgated in six countries including the U.S.

Our last report documented the stabilization of open banking within the EU and especially the U.K., but the success of open banking in the EU has expanded interest into other countries including Australia, Hong Kong, Japan, New Zealand, Singapore and the U.S.

"Combined with the 36 countries within the Single Euro Payments Area (SEPA), there are now a potential of 41 countries implementing open banking at some level," comments Tim Sloane , Research Director at Mercator Advisory Group and the author of the report. "Understanding what services are being prioritized in which countries combined with a recognition of the standardized APIs being used in each country enables financial institutions and fintechs to better plan their cross-border and market-entry strategies."

Those U.S financial institutions and fintechs building out an API portal strategy need to understand how each country intends to authenticate participants, secure the API infrastructure and establish standard APIs for a range of use cases.

This research report has 19 pages and 1 exhibit .

Companies and other organizations mentioned in this report include:

ACI Worldwide, Afinis, American Express, Ant Group, API Exchange (APIX), ASB Trust Bank (ASB), ASEAN Bankers Association, ASEAN Financial Innovation Network (AFIN), Australian Competition and Consumer Commission (ACCC), Bank of America, Bank of New Zealand (BNZ), BB&T, BMO, BNY Mellon, Bottomline Technologies, CapitalOne, Chase, CIBC, Citi, Citizens Bank, City National Bank, Commonwealth Scientific and Industrial Research Organisation (CSIRO), CSG International, Data61, Datacom, Diebold Nixdorf, Discover, Early Warning, Federal Deposit Insurance Corporation (FDIC), Financial Data Exchange (FDX), Finastra, FIS, Fiserv, FISPAN, Hong Kong Monetary Authority (HKMA), HSBC, Intuit, Jack Henry, Japanese Bankers Association (JBA), JPMorgan Chase, Konsentus, Mastercard, MicroBilt, Microsoft. Ministry of Economy, Trade and Industry (METI), Monetary Authority of Singapore (MAS), National Automated Clearing House Association (NACHA), NCR, New York State Department of Financial Services (NY DFS), Office of the Australian Information Commissioner (OAIC), Open Banking Implementation Entity (OBIE), Oracle, Paymark, Payments NZ, PayPal, Phixius, PNC Bank, PSCU, Q2 Software, RBC, Sage, SAP, Securities and Exchange Commission (SEC), SHAZAM, TD Bank, Temenos, The Banking Industry Architecture Network (BIAN), The Clearing House, The Federal Reserve Banks, The Global Financial Innovation Network (GFIN), TradeMe, U.S. Bank, U.S. Federal Reserve Board, U.S. Office of the Comptroller of the Currency (OCC), US Bank, US Financial Industry Regulatory Authority (FINRA), USAA, Visa, Wells Fargo, World Bank Group's International Finance Corporation (IFC)

Highlights of the report include:

  • A review of the major standards bodies attempting to create open banking standards.
  • A review of the issues that greatly delay interoperability, especially the need for compliance and interoperability testing.
  • A country-by-country review of legislative approach, specific legislation passed, and the standards bodies associated with the development of open banking APIs.