2023年4月18日

Cuscal Basiq CDR警告说可能会切断客户直接联系银行由凯特·韦伯在4月18日,2023年12:40PM可能看到市场整合和超级应用占主导地位的崛起。Cuscal-owned Basiq警告政府,“行动启动”修正案提出的消费者数据(CDR)可能无意中破坏了金融市场和为“超级应用”铺平道路。周二,Cuscal及其开放金融平台,Basiq,经济学的参议院立法委员会听证会关于调整CDR实施法律。拟议的修正案涉及“行动启动”,这将让消费者指导fintechs和其他服务提供者代表他们执行自动化操作,如开设新账户换银行。立法草案目前已经通过了众议院和参议院的一个委员会之前,预计将在2023年5月初报告。回应提问评标委员会主席杰斯沃尔什的创始人兼首席执行官Basiq一Ćuća表示,尽管行动启动可以促进竞争,给消费者更多的选择,这也可能导致市场整合和超级应用的兴起。Ćuća说,他担心修正案是部长级宣言权力能使“有人定义API或应用程序编程接口整个行业需要推出。“如果我们快进,这可能导致什么,如果不妥善处理,自然是白色标签的企业直接面向消费者的企业,”他说。“如果有人指定说,嘿,你现在需要打开你的核心业务服务作为一个API接口,你需要启用第三方能够连接(它),可以创建一个经济环境,消费者不再需要直接通过对业务提供的核心服务,因为他们可以通过第三方。”,明显劣势(企业)。 I think our bigger concern is that it could lead to a 'white labelling' of industries going forward." He added if consumers no longer need to use a business's website or app to be able to carry out specific functions, there are concerns around regulations. “What we're flagging as a potential concern is that if we go too far with this, if we don't define the actions in what we call 'industry participative approach', we could have a negative impact," he said. Citing brands like Apple and Google, he said: “The negative impact in the extreme could be [the emergence of] potential super apps, [where] someone's got a phenomenal amount of marketing dollars that can plug into all these APIs and can pay for all the consumers to go to their app and never have to go to the other third-party app. “I think that's something that we think needs to become a balance out and be managed really carefully." Ćuća is strongly advocating for increased participation by the industry itself adding the fintech sector “was one that got a little bit left out” despite being the “ones that actually implementing” the CDR. “Making sure that we have the right balance is important,’ Ćuća said.