オープンバンキング標準は、従来型の銀行を、高まる消費者ニーズに応えるクラウドベースのデジタルサービスプロバイダーへと変えようとしています。この新たな標準によって、さまざまな地域や決済制度にどのような影響が及ぶのかご確認ください。

  • Third-party firms can build financial applications using a bank’s data and infrastructure using APIs
  • Businesses, banking and fintech are starting to invest in new technology to handle new forms of payment to keep up with consumer demands
  • New regulations are geared towards increasing innovation and collaboration between banks and fintechs so that customers have data security, transparency and choice.

The reason we have been growing so fast is because the world is moving online, but verifying identity has been stuck in the offline ... If you think the purpose of a bank is to connect borrowers and savers and centralise trust, we can decentralise the trust piece.

- Husayn Kassai, Cofounder, Onfido (U.S.)

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Open Banking is Transforming Digital Payments | Equinix Whitepaper