OPEN-INSURANCE-OPIN

Open Insurance OPIN open data / decentralized identity standard.

Définition

Open Insurance OPIN (Open Insurance Initiative, founded 2021 par OPIN Foundation) est the open-source community + standards initiative pour Open Insurance, complement Open Banking + Open Finance trends pour insurance industry data sharing + API standards + customer consent management + insurance product comparison + claims automation + multiple use cases ; ongoing industry adoption + multiple country regulators considering Open Insurance frameworks (Brazil OpenInsurance launched 2023 SUSEP regulator + multiple). 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

OPIN Foundation founded 2021 ; Brazil OpenInsurance launched 2023 SUSEP regulator ; multiple country initiatives ongoing.

Exemple en contexte

Brazilian consumer uses OpenInsurance comparison app : authorizes app access her current insurance policies (auto + home + life + health) via OpenInsurance standardized APIs, app analyzes coverage + premiums + suggests better-value alternatives from competing insurers, consumer compares + switches insurers easily without manual paper documentation transfers, demonstrating Open Insurance consumer empowerment model similar Open Banking.

Termes liés

• Open Finance EU — similar Open ecosystem approach.