{"id":40384,"date":"2025-05-14T13:14:34","date_gmt":"2025-05-14T13:14:34","guid":{"rendered":"https:\/\/scope.nl\/?p=40384"},"modified":"2025-05-14T13:22:07","modified_gmt":"2025-05-14T13:22:07","slug":"fida-europa-zet-de-volgende-stap-in-open-finance","status":"publish","type":"post","link":"https:\/\/scope.nl\/en\/fida-europa-zet-de-volgende-stap-in-open-finance\/","title":{"rendered":"FIDA: Europe takes the next step in Open Finance"},"content":{"rendered":"\t\t
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Wat betekent dit voor uw organisatie \u2013 en hoe bereidt u zich voor? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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De Europese Commissie werkt aan nieuwe wetgeving die grote impact gaat hebben op de financi\u00eble secto<\/span>r: FIDA, oftewel de <\/span>Financial Data Access Regulation<\/span><\/i>. Deze opvolger van PSD2 breidt de verplichte toegang tot klantdata uit naar een veel breder spectrum van financi\u00eble producten, waaronder hypotheken, pensioenen, beleggingen en verzekeringen.<\/span>\u00a0<\/span><\/p>

Voor banken, verzekeraars, pensioenuitvoerders en andere financi\u00eble instellingen betekent dit \u00e9\u00e9n ding: <\/span>actie is vereist, zowel technisch als juridisch!<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Van PSD2 naar Open Finance <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Waar PSD2 alleen betrekking had op betaalgegevens, geeft FIDA consumenten het recht om al hun financi\u00eble gegevens te delen met derde partijen, zoals fintechs, budgetcoaches of financieel adviseurs. Maar wel op een veilige, transparante en gecontroleerde manier.<\/span>\u00a0<\/span><\/p>

FIDA wil hiermee:<\/span>\u00a0<\/span><\/p>

  • de klant meer regie geven over zijn eigen data;<\/span>\u00a0<\/span><\/li><\/ul>
    • innovatieve financi\u00eble diensten stimuleren;<\/span>\u00a0<\/span><\/li><\/ul>
      • en fragmentatie in de sector tegengaan.<\/span>\u00a0<\/span><\/li><\/ul>

        De wet is nog in ontwikkeling, maar wordt naar verwachting tussen 2026 en 2028 gefaseerd ingevoerd.<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        Wat betekent FIDA concreet voor uw organisatie? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        Breng in kaart welke data onder FIDA vallen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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        Niet alleen betaalrekeningen, maar ook informatie over leningen, spaargelden, beleggingen, pensioenen en bepaalde verzekeringen moet toegankelijk worden voor derden \u2013 mits de klant daar toestemming voor geeft.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        \n\t\t\t<\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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        Richt infrastructuur in voor veilige datadeling<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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        FIDA vereist het opzetten van <\/span>API\u2019s<\/span>, toestemmingsdashboards, veilige toegangsstructuren en <\/span>logging<\/span>. De technologie moet transparant zijn \u00e9n beheersbaar \u2013 ook voor de klant.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        Leg toestemming juridisch waterdicht vast <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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        Toestemmingen moeten niet alleen expliciet zijn, maar ook herroepbaar, traceerbaar en tijdsgebonden. U moet kunnen aantonen dat toegang direct wordt ingetrokken zodra toestemming vervalt.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        Maak contractuele afspraken met datagebruikers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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        In tegenstelling tot PSD2 is toegang onder FIDA niet gratis. Datahouders en datagebruikers moeten onderling afspraken maken over gebruiksvoorwaarden en vergoedingen.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        Werk samen tussen IT, legal en compliance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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        FIDA is geen puur technisch project. Het vraagt om een geco\u00f6rdineerde aanpak waarbij veiligheid, <\/span>governance<\/span> en klantgerichtheid centraal staan.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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        Wat moet u nu doen? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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        Hoewel FIDA nog niet van kracht is, is het belangrijk om vooruit te denken. De organisaties die zich nu al voorbereiden, bouwen niet alleen een voorsprong op \u2013 ze voorkomen ook dat compliance straks onder druk komt te staan.<\/span><\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

        The European Commission is working on new legislation that will have a major impact on the financial sector: FIDA, or the Financial Data Access Regulation. This successor to PSD2 extends mandatory access to customer data to a much broader spectrum.<\/p>","protected":false},"author":5,"featured_media":40386,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-40384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informatie"],"yoast_head":"\nFIDA: Europa zet de volgende stap in Open Finance - SCOPE FinTech Solutions<\/title>\n<meta name=\"description\" content=\"De Europese Commissie werkt aan nieuwe wetgeving die grote impact gaat hebben op de financi\u00eble sector: FIDA, oftewel de Financial Data Access Regulation. Deze opvolger van PSD2 breidt de verplichte toegang tot klantdata uit naar een veel breder spectrum.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scope.nl\/en\/fida-europa-zet-de-volgende-stap-in-open-finance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FIDA: Europa zet de volgende stap in Open Finance - SCOPE FinTech Solutions\" \/>\n<meta property=\"og:description\" content=\"De Europese Commissie werkt aan nieuwe wetgeving die grote impact gaat hebben op de financi\u00eble sector: FIDA, oftewel de Financial Data Access Regulation. 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