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銀行同業帳戶數據共享先導計劃明年開展 28家銀行參與
金管局宣布「銀行同業帳戶數據共享」(IADS)先導計劃即將啟動。IADS旨在讓客戶按其意願,安全而高效地與其他銀行共享其銀行帳戶數據。 金管局金融科技促進辦公室聯同香港銀行公會和銀行業界完成了IADS的初步研究。結果顯示銀行同業共享客戶的銀行帳戶數據,有助促進銀行業務數碼化,加強銀行風險管理,並提升客戶體驗。研究亦為IADS先導計劃建立了守則和標準,涵蓋零售、公司和中小企客戶,以促進銀行按客戶意願與同業共享數據。 IADS先導計劃將於明年1月1日開展,共有28家銀行參與,涵蓋存款帳戶資訊。預計銀行將逐步開發創新的銀行服務,例如簡化信貸申請流程、帳戶資訊綜覽和以數據為本的定制服務。在先導計劃期間,金管局將監察實施進度和市場發展,並進一步制定IADS將來可能的實施方式。
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