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欧州(ユーロ諸国)統一金融API義務付けとフィンテック


 

EU

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 送金や決済に関わる欧州金融機関統一のAPIの提供が2017年末までにEU諸国の内ユーロ加盟国の金融機関(The Single Euro Payments Area)に義務付けられました。欧州のフィンテックにおける金融APIのオープン化はこの標準に基づいて進みます。

国内でも大手銀行が盛んにハッカソンを実施していますが、将来は欧州のような統一オープン金融APIに向かうでしょう。

 

SEPA Regulation

The SEPA Regulation (EC 260/2012) adopted in 2012, aims to create the reality of a European Single Market for retail payments. The SEPA Regulation marked 1 February 2014 as the point at which all credit transfers and direct debits in euro would be made under the same format: SEPA Credit Transfers and SEPA Direct Debits.

An amendment to the SEPA Regulation introduced a transition period of six months – until 1 August 2014 – to ensure minimal disruption for consumers and businesses.

EPA: a collaborative work

The Single Euro Payments Area (SEPA) is an initiative of the European banking industry that will make all electronic payments across the euro area – e.g. by credit card, debit card, bank transfer or direct debit – as easy as domestic payments within one country are now. The SEPA project is strongly supported by the European Commission and the European Central Bank. The SEPA Council, that will soon be replaced by a new governance body, the Euro Retail Payments Board (ERPB), puts together all the stakeholders of the payment market and aims at facilitating the set-up and smooth transition to SEPA.

Single Euro Payments Area (SEPA)

 

★★ Directive on Payment Services (PSD)

 

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