表紙:アメリカ式のオープンバンキング
市場調査レポート
商品コード
1043315

アメリカ式のオープンバンキング

Open Banking American Style

出版日: | 発行: Mercator Advisory Group, Inc. | ページ情報: 英文 15 Pages, 1 Exhibit | 納期: 即日から翌営業日

価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=128.87円
アメリカ式のオープンバンキング
出版日: 2021年12月15日
発行: Mercator Advisory Group, Inc.
ページ情報: 英文 15 Pages, 1 Exhibit
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

オープンバンキングやコネクテッドバンキングは、義務化されていなくても、米国で進化しています。

当レポートでは、米国におけるコネクテッドバンキングの状況を考察し、金融機関にとっての機会を見出す新しい調査結果を発表しました。

掲載企業:Acorns、Fiserv、Plaid、Envestnet Yodlee、Finicity、FinLocker、Square、Truelayer

調査のハイライト:

  • コネクテッドバンキングの現在の市場
  • 想定されるユースケース
  • 許可されたデータへの影響
  • 金融機関の機会
  • コネクテッドバンキングを支えるエコシステムの概要
  • 市場における規制の状況
目次

Open banking or connected banking is evolving in the U.S. even without a mandate.

Mercator Advisory Group releases new research that considers the state of connected banking in the U.S. and finds opportunities for financial institutions.

The sharing of data permissioned by millions of account owners is being used for account authentication, balance checks, and gathering of transaction data. This information is used to open accounts; provide budgeting, savings and investment advice; and in some instances to facilitate payments. All of this activity is occurring without the assistance of industry-wide data standards, a specific regulatory framework, or a mandate to share data. This is poised to change with open banking, or connected banking, beginning to ramp up in the U.S. Mercator Advisory Group's latest report, “Open Banking American Style ”, explores current developments in connected banking in the U.S.

There is unlikely to be a mandate for open banking in the U.S., so this report has chosen the term connected banking to better describe the sharing of permissioned data. While many financial institutions see themselves only as a provider of data and therefore at a competitive disadvantage, banks and credit unions are beginning to plan how they may proactively reach out to fintechs and others in the financial services market to pull in data to their and their client's advantage. "Connected banking has the opportunity to level the playing field between traditional financial services providers and upstarts," comments Sarah Grotta, Director, Debit and Alternative Products Advisory Service at Mercator Advisory Group and author of the report.

This report has 15 pages and 1 exhibit.

Companies mentioned in this report include: Acorns, Fiserv, Plaid, Envestnet Yodlee, Finicity, FinLocker, Square, Truelayer.

Highlights of the report include:

  • The current market for connected banking
  • Likely use cases
  • Implications for permissioned data without a regulated mandate to participate
  • The opportunities for financial institutions
  • Overview of the ecosystem supporting connected banking
  • Status of regulation in this market