{"id":4855,"date":"2021-08-18T11:42:10","date_gmt":"2021-08-18T03:42:10","guid":{"rendered":"https:\/\/www.moneythor.com\/?page_id=4855"},"modified":"2022-09-06T12:06:27","modified_gmt":"2022-09-06T04:06:27","slug":"un-guide-mondial-du-systeme-bancaire-ouvert","status":"publish","type":"page","link":"https:\/\/www.moneythor.com\/fr\/un-guide-mondial-du-systeme-bancaire-ouvert\/","title":{"rendered":"Un guide mondial du syst\u00e8me bancaire ouvert"},"content":{"rendered":"<script>\r\nfunction displayLocation(location) {\r\n\/\/ Hide all areas\r\nfor (var i = 0; i < document.getElementsByClassName('area').length; i++) {\r\n  document.getElementsByClassName('area')[i].style.display = \"none\";\r\n}\r\n\/\/ Display the selected one\r\ndocument.getElementsByClassName(location)[0].style.display = \"block\";\r\n}\r\n<\/script>\n<p>Since the launch of the second Payment Services Directive (PSD2) in Europe, there has been a sharp rise in the number of countries and banks adopting open banking initiatives. This interactive page details the regions, countries and institutions that are moving towards open banking and proposes a framework for categorising them based on four pillars:<\/p>\n<div id=\"pillars\" onmouseover=\"var pillarsDesc = document.getElementsByClassName('pillarDesc'); for (var i = 0; i < pillarsDesc.length; i++) { pillarsDesc[i].style.display = 'block'; }\" onmouseout=\"var pillarsDesc = document.getElementsByClassName('pillarDesc'); for (var i = 0; i < pillarsDesc.length; i++) { pillarsDesc[i].style.display = 'none'; }\">\n<div class=\"row\"  id=\"row-690073221\">\n\n\t<div id=\"col-1978426269\" class=\"col medium-2 small-12 large-2\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<img decoding=\"async\" class=\"alignright\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/10\/Icon-Global-min.png\" style=\"width:80px; height:80px;\"\/><br \/>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1446556611\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Geographical Scope<\/h3>\n<div class=\"pillarDesc\" style=\"display:none;\">\nOpen banking initiatives can be introduced at an <i>international level<\/i>, a <i>national level<\/i> or at an <i>industry level<\/i>, i.e. when industry players introduce open banking initiatives, not a government body.\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1934098116\" class=\"col medium-2 small-12 large-2\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<img decoding=\"async\" class=\"alignright\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/10\/Level-of-Regulation.png\" style=\"width:80px; height:80px;\"\/><br \/>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-278199465\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Level of Regulation<\/h3>\n<div class=\"pillarDesc\" style=\"display:none;\">\nOpen banking directives can be <i>mandatory<\/i>, <i>organic<\/i>, i.e.where guidance is offered but not enforced or <i>unregulated<\/i> i.e. where no legislation or guidance is offered at a national\/international level.\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n<div class=\"row\"  id=\"row-1452249868\">\n\n\t<div id=\"col-1802594212\" class=\"col medium-2 small-12 large-2\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<img decoding=\"async\" class=\"alignright\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/10\/Stage-of-Development-3.png\" style=\"width:80px;height:80px;\"\/><br \/>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-68746341\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Stage of Development<\/h3>\n<div class=\"pillarDesc\" style=\"display:none;\">\nCountries are at varying stages of development: <i>the emergent stage<\/i>, i.e. no directive has been introduced, the <i>transitional stage<\/i>, i.e. regulation has been introduced but banks yet to adhere to it or the <i>implemented stage<\/i>, i.e. banks have implemented the standards.\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-2038253065\" class=\"col medium-2 small-12 large-2\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<img decoding=\"async\" class=\"alignright\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/10\/Degree-of-Standardisation.png\" style=\"width:80px;height:80px;\"\/><br \/>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-2040986272\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h3>Degree of Standardisation<\/h3>\n<div class=\"pillarDesc\" style=\"display:none;\">\nOpen banking can vary from <i>un-standardised<\/i>, i.e. a market lacks national-level standards, <i>functional<\/i>, i.e. only high level standards are introduced or <i>technical<\/i> i.e. a market provides technical specifications.\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div><\/div>\n<p>Click on any of the regions or countries below to see what initiatives have been introduced there.<\/p>\n<p><i>Last Update: 6 September 2022<\/i><\/p>\n<div class=\"row\"  id=\"row-2105852524\">\n\n\t<div id=\"col-214821665\" class=\"col medium-3 small-12 large-3\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<p><strong>Europe<\/strong><br \/>\n<a href=\"javascript:displayLocation('europe');\">The European Union<\/a><br \/>\n<a href=\"javascript:displayLocation('unitedkingdom');\">The United Kingdom<\/a><br \/>\n<a href=\"javascript:displayLocation('russia');\">Russia<\/a><\/p>\n<p><strong>Asia Pacific<\/strong><br \/>\n<a href=\"javascript:displayLocation('australia');\">Australia<\/a><br \/>\n<a href=\"javascript:displayLocation('china');\">China<\/a><br \/>\n<a href=\"javascript:displayLocation('hongkong');\">Hong Kong<\/a><br \/>\n<a href=\"javascript:displayLocation('japan');\">Japan<\/a><br \/>\n<a href=\"javascript:displayLocation('malaysia');\">Malaysia<\/a><br \/>\n<a href=\"javascript:displayLocation('newzealand');\">New Zealand<\/a><br \/>\n<a href=\"javascript:displayLocation('singapore');\">Singapore<\/a><br \/>\n<a href=\"javascript:displayLocation('southkorea');\">South Korea<\/a><\/p>\n<p><strong>North America<\/strong><br \/>\n<a href=\"javascript:displayLocation('canada');\">Canada<\/a><br \/>\n<a href=\"javascript:displayLocation('usa');\">USA<\/a><\/p>\n<p><strong>Latin America<\/strong><br \/>\n<a href=\"javascript:displayLocation('argentina');\">Argentina<\/a><br \/>\n<a href=\"javascript:displayLocation('brazil');\">Brazil<\/a><br \/>\n<a href=\"javascript:displayLocation('colombia');\">Colombia<\/a><br \/>\n<a href=\"javascript:displayLocation('mexico');\">Mexico<\/a><\/p>\n<p><strong>Africa<\/strong><br \/>\n<a href=\"javascript:displayLocation('kenya');\">Kenya<\/a><br \/>\n<a href=\"javascript:displayLocation('nigeria');\">Nigeria<\/a><br \/>\n<a href=\"javascript:displayLocation('rwanda');\">Rwanda<\/a><br \/>\n<a href=\"javascript:displayLocation('southafrica');\">South Africa<\/a><\/p>\n<p><strong>The Middle East<\/strong><br \/>\n<a href=\"javascript:displayLocation('bahrain');\">Bahrain<\/a><br \/>\n<a href=\"javascript:displayLocation('egypt');\">Egypt<\/a><br \/>\n<a href=\"javascript:displayLocation('israel');\">Israel<\/a><br \/>\n<a href=\"javascript:displayLocation('qatar');\">Qatar<\/a><br \/>\n<a href=\"javascript:displayLocation('saudiarabia');\">Saudi Arabia<\/a><br \/>\n<a href=\"javascript:displayLocation('turkey');\">Turkey<\/a><br \/>\n<a href=\"javascript:displayLocation('uae');\">UAE<\/a><\/p>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1879138064\" class=\"col medium-9 small-12 large-9\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<div class=\"area\">\n<h3>Global Outlook<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/11\/Global-Outlook-Nov-2021-Update.png.png\"\/>\n<\/div>\n<div class=\"area europe\" style=\"display: none;\">\n<h3>The European Union<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Europe.png\"\/><\/p>\n<p>PSD2, which stands for the Second Payment Services Directive, was introduced by the European Union with the aim to create a more innovative payments market, regulate new players and protect customers online.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Europe-1.png\"\/>\n<\/div>\n<p>Key to this is the necessity for banks to open up their APIs and customer data to new Third Party Providers (TPPs) entering the market. First passed in 2015, the EU has struggled to fully adopt the regulation with big setbacks around Strong Customer Authentication pushing out the deadline for implementation to December 2020. <\/p>\n<p>In 2022, the EU commenced their review of the\u00a0Second\u00a0Payment Service Providers Directive\u00a0(PSD2) to\u00a0analyse the current state of Open Banking in Europe, the\u00a0impacts of the directive, as well as to identify what the barriers are to a more open financial system in the region. <\/p>\n<\/div>\n<div class=\"area unitedkingdom\" style=\"display: none;\">\n<h3>The United Kingdom<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/UK.png\"\/><br \/>\nIn 2016, The UK Competitions and Market Authority (CMA) introduced their own national Open Banking initiative which builds on its PSD2 obligations and mandates that the nine leading banks in the country (CMA9) need to implement a predefined and standard API.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/UK.png\"\/>\n<\/div>\n<p>Unlike PSD2, it is a set of technical specifications and it does not leave the details up to the market to<br \/>\ndecide. Leading banks like Barclays, Llyods and HSBC have enabled users to view financial information from their other bank accounts within their respective mobile banking apps. <\/p>\n<p>The Financial Conduct Authority (FCA) are now looking to launch &#8220;Open Finance&#8221; which would extend to other financial products including mortgages and investments. In November 2021, FCA scrapped the 90 day re-authentication requirement to remove friction and make Open Banking easier to use. <\/p>\n<\/div>\n<div class=\"area russia\" style=\"display: none;\">\n<h3>Russia<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/07\/Russia.png\"\/><br \/>\nThe Central Bank of Russia (CBR) approved the first recommendatory standards for Open Banking in October 2020. They include API standards for account information, payment initiation as well as information security standards. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/07\/Russia-1.png\"\/>\n<\/div>\n<p>However, it is taking an organic approach to implementation, and financial institutions in the country are still not obligated to provide access to customers\u2019 data via open APIs.<\/p>\n<\/div>\n<div class=\"area singapore\" style=\"display: none;\">\n<h3>Singapore<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Singapore-2.0-Final.png\"\/><br \/>\nThe Monetary Authority of Singapore (MAS) has been encouraging banks to adopt APIs since 2016 with the development of a financial industry API playbook.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Singapore.png\"\/>\n<\/div>\n<p>In December 2020, MAS launched the Singapore Financial Data Exchange (SGFinDex). SGFinDex is the world&#8217;s  first public-private open banking initiative with a digital infrastructure that taps into the national digital identity system, SingPass. <\/p>\n<p>It allows users to access and review personal financial information, such as  loans, transactions, investments and even CPF, from across government agencies and private-sector organisations. SGFinDex brings together  financial data for customers to give them a clear understanding of their finances and a holistic financial overview.<\/p>\n<\/div>\n<div class=\"area hongkong\" style=\"display: none;\">\n<h3>Hong Kong<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Hong-Kong.png\"\/><br \/>\nThe Hong Kong Monetary Authority (HKMA) has been promoting but not enforcing the adoption of Open Banking standards on the island with the aim of improving customers everyday banking lives since 2017.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Hong-Kong.png\"\/>\n<\/div>\n<p>Named the Open API framework for the Hong Kong Banking sector, these guidelines encourage banks to implement various API functions in a four-phase approach. Following the successful implementation of Phases I and II of the Open API Framework in January and October 2019 respectively, the HKMA announced the implementation plan for Phases III (Account information) and IV (Transactions) of the Open API Framework in May 2021. <\/p>\n<p>The HKMA will oversee and facilitate the process, enabling the Hong Kong Association of Banks (HKAB) to develop a set of standards covering key areas of customer experience and authentication, technical and data standards, information security, and operations. <\/p>\n<\/div>\n<div class=\"area japan\" style=\"display: none;\">\n<h3>Japan<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Japan.png\"\/><br \/>\nIn May 2017, the central Bank of Japan (BOJ) amended the Japanese Banking Act to include a regulatory framework which mandated that banks must provide open APIs by 2020 to encourage innovation in a predominantly cash-based economy. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Japan.png\"\/>\n<\/div>\n<p>Since then a number of leading banks in the country, including MUFG, Mizuho and Fukuoka have developed and launched API platforms. However, progress has stalled as banks and fintechs are struggling to reach agreements because of the high fees fintechs are being asked to pay the banks for access to client data.\n<\/p><\/div>\n<div class=\"area china\" style=\"display: none;\">\n<h3>China<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/China.png\"\/><br \/>\nChina has quickly become a stand-out nation when it comes to digital banking. With lightning fast development of banking technology, most banks in the country are leveraging APIs to provide their products and services to customers. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/China.png\"\/>\n<\/div>\n<p>To date this has all happened in the absence of regulation, however, China&#8217;s financial authority announced in early 2020 their plans to release regulation in order to securely support the growth of the API ecosystem in the country.\n<\/p><\/div>\n<div class=\"area malaysia\" style=\"display: none;\">\n<h3>Malaysia<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Malaysia-copy.png\"\/><br \/>\nMalaysia\u2019s central bank, Bank Negara Malaysia (BNM), established the Financial Technology Enabler Group in June 2016 to promote innovations in the fintech sector. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Malaysia.png\"\/>\n<\/div>\n<p>In 2017 the BNM established an Open API Implementation Group to develop standards and to review regulations. In 2019, the BNM released a Policy document which provides guidance on the development and publication of open APIs. This document encourages financial institutions to adopt the Open Banking API specifications but does not mandate it.\n<\/p><\/div>\n<div class=\"area southkorea\" style=\"display: none;\">\n<h3>South Korea<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/South-Korea.png\"\/><br \/>\nThe Financial Services Commission (FSC), South Korea\u2019s financial regulator announced plans to overhaul the country\u2019s current financial regulatory framework and introduce new initiatives that are focused on embracing flexibility and scalability in financial services. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/South-Korea.png\"\/>\n<\/div>\n<p>To promote the development and use of contactless financial services, the FSC began allowing savings banks and credit card companies to provide Open Banking services in the first half of 2021, which will be followed by financial investment businesses.<\/p>\n<p>The government also said it will allow more account types to be eligible to sign up for Open Banking and to connect Open Banking with other digital finance infrastructures. <\/p>\n<p>In December 2021, the FSC kicked off a pilot phase of MyData, a government-led programme aimed at giving users the ability to manage their personal financial data from different financial institutions on one platform. If successful, it will result in the development of a one-stop platform that offers analysis, financial advise and account transfer services all from the same place.<\/p>\n<\/div>\n<div class=\"area australia\" style=\"display: none;\">\n<h3>Australia<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Australia.png\"\/><br \/>\nIn 2018, the Australian Federal Government announced their plans to introduce Consumer Data Right (CDR) legislation which would give consumers the right to safely access and manage their data. <\/p>\n<p>Four of the leading banks in the region, namely Commonwealth, NAB, Westpac and ANZ, went live with Open Banking in July 2020 and all non-major banks were mandated to follow on the one-year anniversary that we recently celebrated. Unfortunately, the majority of banks failed to come to the party by July 2021.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Australia.png\"\/>\n<\/div>\n<p>To date, there is only one way to go to market with Open Banking, which is to become an Accredited Data Recipient (ADR) which allows full access to CDR data across banking and other sectors.  <\/p>\n<p>In March 2022, Australia&#8217;s Treasury Department commenced consultation on expanding its flagship competition policy, the Consumer Data Right (CDR), to include Open Finance.<\/p>\n<\/div>\n<div class=\"area newzealand\" style=\"display: none;\">\n<h3>New Zealand<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/New-Zealand.png\"\/><br \/>\nPayments NZ, the bank-owned governing body of New Zealand\u2019s core payment systems, debuted a set of standards in<br \/>\nMarch 2019 to provide a standardised API framework and direction for banks and third-party vendors interested in Open Banking opportunities. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/New-Zealand.png\"\/>\n<\/div>\n<p>The API service was launched as the Payments NZ API Centre. An updated version of these standards and an updated sandbox was released in 2020.\n<\/p><\/div>\n<div class=\"area usa\" style=\"display: none;\">\n<h3>The USA<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/USA.png\"\/><\/p>\n<p>While regulators in the US have chosen not to implement Open Banking standards at a national level, President Biden issued an Executive Order in July 2021 that hints at initiating  the process of regulating Open Finance in the US.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/USA.png\"\/>\n<\/div>\n<p>Currently, The Financial Services Information Sharing and Analysis Centre (FS-ISAC) Data Aggregation Work Group which comprises of banks, fintechs and financial aggregators, who are building and sharing API technical recommendations called the \u201cDurable Data API\u201d. Banks such as Wells Fargo, Citi and Bank of America have adopted these standards.\n<\/p><\/div>\n<div class=\"area canada\" style=\"display: none;\">\n<h3>Canada<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Canada.png\"\/><br \/>\nSince 2018, the Ministry of Finance&#8217;s Open Banking Advisory Committee has been conducting research into Open Banking standards. Split into multiple phases, the 2nd phase has been delayed due to the COVID-19 pandemic.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Canada.png\"\/>\n<\/div>\n<p>In July 2021, FinConect, a US based technology company signed an agreement with FICANEX, Canada&#8217;s largest surcharge free ATM network to deliver an Open Banking platform to Canadian credit unions and banking clients.\n<\/p><\/div>\n<div class=\"area mexico\" style=\"display: none;\">\n<h3>Mexico<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Mexico.png\"\/><\/p>\n<p>In June 2020, the Comisi\u00f3n Nacional Bancaria y de Valores (CNBV) published the first Open Banking guidelines, which establishes the expectation to exchange public, aggregated and transactional data across all financial entities. Financial institutions have 12 months to comply, and should be exchanging data and information by June 2021. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Mexico.png\"\/>\n<\/div>\n<p>According to the latest update in June 2021, over 2,200 financial entities in Mexico have already implemented APIs to exchange account data with third parties. Following this, the expectation will expand to include aggregated and transactional data. <\/p>\n<p>The CNBV is expected to publish new guidelines related to the sharing of transactional information from customers\u2019 accounts and credit. However, it remains to be seen when the deadlines for this data sharing will be compulsory. <\/p>\n<\/div>\n<div class=\"area argentina\" style=\"display: none;\">\n<h3>Argentina<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Argentina.png\"\/><br \/>\nThe Argentinian government has yet to introduce any regulation around Open Banking, however industry players in the market have taken steps to build standards for the country.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Argentina.png\"\/>\n<\/div>\n<p>Open Banking Argentina, a nongovernment body, has developed open banking standards with the aim of creating an interactive and innovative financial ecosystem in the country.<\/p>\n<\/div>\n<div class=\"area brazil\" style=\"display: none;\">\n<h3>Brazil<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Brazil.png\"\/><br \/>\nIn 2019, The Central Bank of Brazil (BACEN) published an Open Banking directive which outlined the objectives, scope and strategy for implementation of Open Banking in the country. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Brazil.png\"\/>\n<\/div>\n<p>The regulation was initially launched in early 2020 and is expected to be rolled out over four phases. Banks are forecasted to implement Open Banking by November 2020 and be fully operational by October 2021 with all major financial institutions mandated to adopt the regulation within the phased timeline.<\/p>\n<p>In late 2021, the final stage of the Open Banking initiative in Brazil took off, thus marking the shift into Open Finance, thus rendering the entire financial footprint of individuals with data such as mortgages, savings, pensions, insurance, and credit to be opened up to trusted third-party APIs upon consumer consent.\n<\/p><\/div>\n<div class=\"area colombia\" style=\"display: none;\">\n<h3>Colombia<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/01\/Colombia.png\"\/><br \/>\nThe Colombian government is introducing Open Banking to the country on a voluntary basis and will be conducting a series of workshops with financial sector players to advance a regulatory framework.<\/p>\n<p>Open Banking is expected to promote innovation in the financial services sector, ramp up the use of APIs and enable third-party developers and fintech companies to build applications and services. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/11\/Colombia-pillars.png\"\/>\n<\/div>\n<p>The Unidad de Proyecci\u00f3n Normativa y Estudios de Regulaci\u00f3n Financiera (URF), a governmental unit in Colombia for regulatory projection and financial regulation studies are running a series of public-private sector events to help define and refine the Government&#8217;s planned approach.<\/p>\n<p>The Open Banking initiative complements other URF initiatives like broader modernisation of the country\u2019s payment system and the overarching aim is to create a regulatory framework that encourages digitalisation and innovation across financial services in the country.<\/p>\n<\/div>\n<div class=\"area rwanda\" style=\"display: none;\">\n<h3>Rwanda<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Rwanda-Final.png\"\/><br \/>\nIn response to its growing fintech market, the National Bank of Rwanda (NBR) has released regulation around Open Banking and plans to release detailed standards in the near future.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Rwanda.png\"\/>\n<\/div>\n<p>The Open Banking regulation in Rwanda addresses data sharing and data portability with a view to encouraging innovation, efficiency, new products development and new players.<\/p>\n<\/div>\n<div class=\"area kenya\" style=\"display: none;\">\n<h3>Kenya<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/11\/Kenya.png\"\/><br \/>\nThe Central Bank of Kenya (CBK) has released a draft document outlining a five-year digitalisation plan to modernise the country\u2019s domestic payment landscape. Titled Kenya National Payments System Vision and Strategy 2021 \u2013 2025, it outlines a commitment to establishing a regulatory landscape  to enhance innovation and embracing Open Banking and APIs, among other key areas of focus. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/11\/Kenya-pillars.png\"\/>\n<\/div>\n<p>In the document, the CBK says it will work to define standards for API development and mandate data portability with hopes that more options and innovative solutions will be made available for Kenya-based users to choose from.\n<\/p><\/div>\n<div class=\"area nigeria\" style=\"display: none;\">\n<h3>Nigeria<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Nigeria.png\"\/><br \/>\nThe Central Bank of Nigeria (CNB) issued a regulatory framework for Open Banking in Nigeria in February 2021 to establish a regulatory environment for the development of a more innovative and customer-centric financial services. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Nigeria.png\"\/>\n<\/div>\n<p>Prior to the inception of the framework, banks operated in a closed ecosystem, with exclusivity of access to  their own data, and no data sharing. The framework will enable financial institutions and services in Nigeria to drive much needed innovation in the sector. <\/p>\n<\/div>\n<div class=\"area southafrica\" style=\"display: none;\">\n<h3>South Africa<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/South-Africa.png\"\/><br \/>\nIn contrast to other countries in the region, South Africa is a highly regulated market.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/South-Africa.png\"\/>\n<\/div>\n<p>While no regulation has been introduced around Open Banking to date, it is expected that when regulation is introduced it will be comprehensive and mandatory. For now, until regulation is released, the market has found its own way to introduce standards with leading banks in the region such as Nedbank launching APIs that are aligned to the UK&#8217;s Open Banking technical standards.\n<\/p><\/div>\n<div class=\"area bahrain\" style=\"display: none;\">\n<h3>Bahrain<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Bahrain.png\"\/><br \/>\nThe Central Bank of Bahrain (CBB) issued draft regulations on Open Banking in 2018 thus taking the lead in introducing regulations in the region.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Bahrain.png\"\/>\n<\/div>\n<p>The initiative was a major step towards transforming the financial services industry by enabling greater transparency and inclusivity through open data.<\/p>\n<p>In response to the CBB\u2019s mandates, The National Bank of Bahrain (NBB), partnered with Tarabut Gateway, an Open<br \/>\nBanking system provider, to develop and launch a common platform that banks in Bahrain could access in order to comply with Open Banking regulation and make use of standardised APIs.<\/p>\n<p>In November 2020, further strengthening the ecosystem, the CBB released a second phase of regulations called the Bahrain Open Banking Framework (BOBF), setting a precedent for how Open Banking is deployed across the Middle East and North Africa.\n<\/p><\/div>\n<div class=\"area egypt\" style=\"display: none;\">\n<h3>Egypt<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/11\/Egypt.png\"\/><br \/>\nIn 2019, the Egyptian the government passed a data protection law with a specific focus on customer consent that will support the implementation of Open Banking in the country.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/11\/Egypt-pillars.png\"\/>\n<\/div>\n<p>The Egyptian Banks Company, which is a venture co-owned by the Central Bank, the Ministry of Finance and several national banks collectively are currently working on formal regulations around open banking to incorporate into the central bank\u2019s regulatory sandbox and support its Fintech Egypt innovation hub.<\/p>\n<\/div>\n<div class=\"area israel\" style=\"display: none;\">\n<h3>Israel<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/Israel-Final.png\"\/><br \/>\nIn 2019, the Bank of Israel published its Open Banking draft guidelines and invited interested relevant stakeholders to comment or make suggestions.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Turkey.png\"\/>\n<\/div>\n<p>The regulation which will be rolled out in a phased approach, requires that banks initially allow for the secure sharing of bank account and transaction data. Following that, over a period of two years, access to additional customer information including customer\u2019s credit, loans, deposits, savings and securities portfolios will need to be shared with third parties.\n<\/p><\/div>\n<div class=\"area qatar\" style=\"display: none;\">\n<h3>Qatar<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2022\/07\/Qatar-Map.png\"\/><\/p>\n<p>Qatar National Bank (QNB) announced the launch of their Open Banking platform for their users and also a wider audience including partners and emerging fintechs in Qatar in June 2022. <\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2022\/07\/Qatar.png\"\/>\n<\/div>\n<p>Spearheading the Open Banking movement in Qatar, QNB&#8217;s platform will enable customers, fintechs and third-party providers gain access to its core financial services, securely share customer data and facilitate payments between organisations. The QNB issued its first digital services license in September 2022. <\/p>\n<\/div>\n<div class=\"area saudiarabia\" style=\"display: none;\">\n<h3>Saudi Arabia<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/07\/SaudiArabia.png\"\/><br \/>\nIn line with the strategic priorities set for Saudi Vision 2030, the Saudi Central Bank (SAMA) launched the first version of their Open Data Platform in December 2021. In 2022, the Arab National Bank followed suit and upgraded their existing B2B services using API technology to meet the future needs of Open Banking in Saudi Arabia.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2021\/07\/SaudiArabiaStatus.png\"\/>\n<\/div>\n<p>Financial inclusion, innovation and economic development are cornerstones of the Saudi Vision 2030, which is driving the change to financial ecosystems in the Kingdom. <\/p>\n<p>There are three phases to the Open Banking Initiative, beginning with a design phase in the first half of 2021. The market implementation phase started mid 2022, and banks are now required to open their APIs. <\/p>\n<\/div>\n<div class=\"area turkey\" style=\"display: none;\">\n<h3>Turkey<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/01\/Turkey.png\"\/><br \/>\nIn 2019, the Central Bank of the Republic of Turkey (CBRT) announced it would be fully complying with the European Union\u2019s PSD2 regulation.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/Turkey.png\"\/><\/p>\n<\/div>\n<p>Although not a member of the European Union, and therefore not required to comply with the regulation, the CBRT has chosen to adopt it after it did the same with its predecessor PSD1, five years ago.<\/p>\n<p>Turkish financial institutions adopted and implemented PSD2 standards on the 1st of January 2020, granting access to customer data to third-party providers.\n<\/p><\/div>\n<div class=\"area uae\" style=\"display: none;\">\n<h3>The UAE<\/h3>\n<p><img decoding=\"async\" width=\"100%\" class=\"alignnone size-full\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2019\/09\/UAE.png\"\/><br \/>\nIn July 2021, the Central Bank of the United Arab Emirates (CBUAE) announced the Retail Payment Services and Card Schemes Regulation, the fourth of its kind to lay the groundwork in the UAE for a new era of digital payments.<\/p>\n<div style=\"position: relative; float: right;\">\n<img decoding=\"async\" style=\"width: 20em; margin-bottom: 10px; padding-left: 10px;\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2020\/08\/UAE.png\"\/>\n<\/div>\n<p>The regulation initiates a licensing infrastructure for payment service providers operating &#8211; or wishing to provide &#8211; one or more of nine payment services or payment card schemes in the UAE, which includes Open Banking enabling services such as payment initiation, and payment account information services.<\/p>\n<p>A one-year transitional period has been given to existing payment service providers and card schemes to obtain the relevant license from CBUAE.\n<\/p><\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Since the launch of the second Payment Services Directive (PSD2) in Europe, there has been a sharp rise in the number of countries and banks adopting open banking initiatives. This interactive page details the regions, countries and institutions that are moving towards open banking and proposes a framework for categorising them based on four pillars: [&#8230;]\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-blank-title-center.php","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-4855","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A Global Guide to Open Banking | Moneythor<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.moneythor.com\/fr\/un-guide-mondial-du-systeme-bancaire-ouvert\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Global Guide to Open Banking | Moneythor\" \/>\n<meta property=\"og:description\" content=\"Since the launch of the second Payment Services Directive (PSD2) in Europe, there has been a sharp rise in the number of countries and banks adopting open banking initiatives. 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