{"id":5806,"date":"2020-09-29T18:57:47","date_gmt":"2020-09-29T18:57:47","guid":{"rendered":"https:\/\/newmoneyreview.com\/?p=5806"},"modified":"2020-10-21T11:49:51","modified_gmt":"2020-10-21T11:49:51","slug":"financial-data-sharing-leaps-ahead-in-the-uk","status":"publish","type":"post","link":"https:\/\/newmoneyreview.com\/index.php\/2020\/09\/29\/financial-data-sharing-leaps-ahead-in-the-uk\/","title":{"rendered":"Financial data-sharing leaps ahead in the UK"},"content":{"rendered":"

Open banking\u2014which allows consumers to link savings, budgeting and faster payments apps with their bank accounts\u2014is leaping ahead in the UK. But consumer protection standards may need to jump to keep up with the trend.<\/p>\n

Data released yesterday by the Open Banking Implementation Entity (OBIE)<\/a> showed that the number of UK users of open banking services now exceeds two million, having doubled in just over six months, despite the disruption caused by the coronavirus pandemic.<\/p>\n

The OBIE was set up in 2016 by the UK\u2019s Competition and Markets Authority to deliver open banking. It is governed by the CMA and funded by the UK\u2019s nine largest banks and building societies.<\/p>\n

Open banking involves banks and third-party technology firms sharing consumers\u2019 financial data, with those consumers’ permission.<\/p>\n

It underlies a variety of services, including accounting, budgeting and financial comparison software and faster payments. These services are then delivered primarily through mobile phone-based apps.<\/p>\n

According to the OBIE, there was a sharp increase in the use of money management apps during the pandemic, nearly half of which was represented by 25-34-year-olds.<\/p>\n

\u201cOpen banking used to be the best-kept secret in financial services\u201d<\/p><\/blockquote>\n

The OBIE said that a survey of 2,000 UK adults revealed that one in five started using online banking apps during lockdown and 54 per cent now use them regularly.<\/p>\n

According to Imran Gulamhuseinwala, trustee of the OBIE, \u201cOpen banking used to be the best-kept secret in financial services.\u201d<\/p>\n

\u201cWe can now see that people want to exercise their rights over their data and will do so, as long as you make it simple and secure,\u201d he said.<\/p>\n

\u201cOpen banking-enabled products are rebalancing the market in favour of consumers and small businesses. Users are now able to engage more with their finances and are getting access to better products,\u201d Gulamhuseinwala said.<\/p>\n

The UK government has supported open banking as a way of giving consumers greater control of their finances. It now wants to extend the data-sharing approach to other sectors, such as non-bank finance, energy, communications, and pensions.<\/p>\n

\u201cA key mission of our strategy is to unlock the value of data across the economy\u201d<\/p><\/blockquote>\n

\u201cA key mission of [our] strategy is to unlock the value of data across the economy by creating an environment where data is appropriately useable, and available across businesses and organisations,\u201d Paul Scully, UK minister for small businesses, consumers and labour markets, said earlier this month.<\/p>\n

\u201cCustomers can already request data about themselves, but it is provided slowly, in hard-to-use formats, and often without the contextual information needed to make it useful,\u201d Scully said.<\/p>\n

Scully suggested that open banking could provide an example for other sectors.<\/p>\n

\u201cMaking the process easier would facilitate innovation \u2013 enabling multiple utility bills to be managed in one place, prompts to be shared when better deals (that match customers\u2019 preferences) become available, and reducing paperwork for small businesses,\u201d he said.<\/p>\n

However, the future success of app-based consumer financial services may depend not just on their speed and convenience, but also on the protections available if things go wrong.<\/p>\n

\u201cConsumers need help to exercise control and take responsibility\u201d<\/p><\/blockquote>\n

Last year, the authors of an Open Banking report<\/a> suggested that regulations in this area are inadequate.<\/p>\n

\u201cConsumer protection for both payments and data-sharing needs harmonisation and simplification,” aid Faith Reynolds, an independent consumer finance expert, and Mark Chidley, an independent SME representative, the co-authors of the report.<\/p>\n

\u201cConsumers need help to exercise control and take responsibility,\u201d they said.<\/p>\n

\u201cAt the moment, they cannot easily identify legitimate or illegitimate providers, or easily control how their data is shared or for what purpose.\u201d<\/p>\n

As an example of where consumer protection standards need improving, the two authors cited variable recurring payments (VRPs) made using open banking apps.<\/p>\n

VRPs enable third parties to use a customer\u2019s data to monitor his or her bank account and initiate a payment when certain conditions are met\u2014for instance, when surplus funds in an account hit a certain level.<\/p>\n

According to Reynolds and Chidley, VRPs offer more control to consumers than continuous payment authorities (CPAs), which are widely used by payday loan firms and debt collection agencies to recover funds from debtors.<\/p>\n

\u201cHowever, [VRPs\u2019] value could be undermined if there is not sufficient consumer protection built into their design to bring them in line with the protections on card payments and the regulatory limits on their use for debt repayment,\u201d they said.<\/p>\n

Card payment protections have themselves been proven uneven by the coronavirus pandemic, which has raised questions about the refund rights available to consumers who had paid for services using debit and credit cards and then not received them<\/a>.<\/p>\n

Meanwhile, the Bank of England governor made it clear earlier this month that e-money\u2014the form of money used by many of the payments service providers involved in open banking\u2014is less protected than money in a UK bank account<\/a>.<\/p>\n

The signs are that consumer protection in the data-sharing economy is rapidly moving up policymakers\u2019 agendas.<\/p>\n

The UK\u2019s Payment Services Regulator and its parent, the Financial Conduct Authority, have recently launched three new initiatives on payments and e-money, including a consultation on the consumer protections available to open banking clients.<\/p>\n

Sign up here<\/a> for the monthly New Money Review newsletter<\/em><\/p>\n

Click here<\/a> for a full list of episodes of the New Money Review podcast: the future of money in 30 minutes<\/em><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Open banking\u2014which allows consumers to link savings, budgeting and faster payments apps with their bank accounts\u2014is leaping ahead in the UK. 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