Why open banking remains a closed shop since a year ago UK and EU gave tech groups access to account data? LiamWardProud tells:
The UK’s Open Banking Initiative, implemented following a Competition and Markets Authority enquiry into high street banking competition, came into force on Jan. 13, 2018. The UK’s nine largest account providers had to make customers’ financial data available to authorised third parties used by their account holders.
The European Union’s second Payment Services Directive, which also aims to promote competition by opening up bank data, came into force in Jan. 2018. Its required technical standards are due to come into force on Sept. 14, 2019.
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