OPEN-BANKING-NEXTGEN

Open Banking NextGen open data / decentralized identity standard.

Définition

Open Banking NextGen designe l'evolution post-PSD2 Open Banking framework EU + UK 2024+, anticipated EU PSD3 (Payment Services Directive 3 + Payment Services Regulation PSR proposed juin 2023 by European Commission + adoption attendue 2025-2026) qui modernise Open Banking framework PSD2 + adds FIDA Financial Data Access Regulation proposed juin 2023 enabling broader Open Finance access (cre dits + savings + investments + insurance + pensions + multiple beyond payments accounts PSD2 scope). Standard + framework specifications detail interoperability + identity + privacy + data sharing + open APIs + multi-stakeholder governance + ecosystem adoption industry verticals (banking + finance + health + insurance + energy) + alignment regulations EU PSD2 + GDPR + FAPI + UK Open Banking Standard + multiple national implementations 2010s-2024+.

Origine

EU PSD2 PSD3 + PSR + FIDA proposed juin 2023 ; adoption attendue 2025-2026 ; UK Open Banking continues evolution post-Brexit.

Exemple en contexte

EU PSD3 + PSR + FIDA package adopted 2025 : extends Open Banking scope to Open Finance, fintech accesses with customer consent broader financial data (mortgages + investments + savings + insurance + pensions + credit data) via standardized APIs + fintech offers personalized financial advice + product comparisons + automated multi-bank account management across European customers' financial life, demonstrating Open Finance breakthrough.

Termes liés

• Open Banking EU PSD2 — predecessor framework.