2022年6月16日

加拿大皇家銀行和數據聚合軟件Plaid周一宣布了一項訪問協議，內容涉及雙方如何處理加拿大皇家銀行客戶的金融數據，這些客戶將銀行賬戶與個人理財應用等數千個應用程序連接起來。該協議意味著，Plaid將用與銀行的API連接，取代其屏幕抓取RBC數據的做法——這種做法曾讓這家金融科技公司陷入法律麻煩。在獲得客戶許可的情況下，RBC現在將向Plaid授予數字代幣，該金融科技公司可以使用它訪問銀行的機器可讀數據門戶。這一轉變不會顯著改變使用Plaid的RBC客戶的用戶體驗，但它將為用戶提供更好的隱私控製和信息安全。雙方將在未來幾個月內實施該協議，一旦轉換完成，Plaid將不再保存用戶的密碼。從更廣泛的意義上說，根據Plaid的金融準入主管金格•貝克(Ginger Baker)的說法，加拿大最大銀行(按淨收入和資本總額計算)達成的協議可能會成為競爭對手的一個榜樣。該協議還可能影響加拿大正在進行的賦予公民更大的銀行數據所有權的努力。加拿大政府表示，開放銀行將“增加消費者的選擇，改善加拿大人的財務結果”，允許他們通過api在應用程序之間安全地同步財務數據。一些國家有要求安全數據共享的規則，包括英國，它在2018年建立了開放銀行規則。歐洲大部分國家也有。 With Canada’s largest bank now supporting API-based data access for Plaid, the country’s data sharing environment could start to look more like that of the U.S. According to John Pitts, Plaid’s global head of policy, more than half of the fintech’s U.S. traffic today happens via APIs rather than screen scraping. U.S. regulators have been considering open banking rules for years. The Consumer Financial Protection Bureau (CFPB) made an advanced notice of proposed rulemaking in November 2020 concerning standards around consumer-authorized access to financial data. The bureau said in May this process “will give consumers access to their own data.” Prior, in a July 2021 executive order , President Joe Biden encouraged the director of the CFPB to revisit the rulemaking efforts, saying it would allow consumers to “more easily switch financial institutions and use new, innovative financial products.” In September, the Congressional Research Office reported that such a rule “could facilitate competition and innovation in consumer financial services.” Observers do not expect the CFPB to finalize a rule until 2023 . In the meantime, Mike Holly, executive director of deposits and retail payments product management for USAA, encourages banks that have not already embraced open banking to do so. “Build your roadmap now, because what you'll probably find is that, if you're not already behind, if you wait for the regulatory environment to catch up to you, you're going to be waiting and waiting,” Holly said. “Just keep moving.”