Datenaggregatoren sind einigen Großbanken ein Dorn im Auge

Von Ralf Keuper

Der Chef von J-P. Morgan Chase, Jamie Dimon, geht auf Distanz zu den sog. Datenaggregatoren, wie Mint, Quicken, Acorn oder Penny, worüber u.a. die New York Times in Jamie Dimon Wants to Protect You From Innovative Start-Ups berichtet. Dimon wirft den Aggregatoren u.a. vor, sie würden mehr Daten über die Kunden erheben, als nötig und überdies die Daten häufig an Dritte weiterverkaufen, ohne dass dies für die Kunden transparent sei.

Der erwähnte Beitrag in der New York Times und Four Myths about Account Aggregation gehen näher auf die Kritikpunkte Dimons ein.

Dimon wirft die Anbieter in einen Topf. Festzuhalten ist, dass Anbieter wie Yodlee mit dem Verkauf der Daten ein einträgliches Geschäft betreiben, wie das WSJ vor einiger Zeit in Provider of Personal Finance Tools Tracks Bank Cards, Sells Data to Investors schrieb. Zu den von Dimon und anderen häufig ins Feld geführten Sicherheitsmängeln, wie sie z.B. mit dem sog. Screen Scraping verbunden seien, stellt die New York Times fest:

But by early 2002, the trade publication American Banker was declaring these concerns “almost passé.” Early on, big banks themselves used aggregators because high-net-worth customers wanted to see all their account balances on a single Web dashboard.

Weiterhin:

The aggregators have never had a breach that we know of. Plaid, in a position paper on these issues, points out that JPMorgan Chase had a breach in 2014 in which thieves stole the contact information of tens of millions of customers.

Einige Beobachter erkennen in der Aktion von Dimon und anderen, wie Wells Fargo und der Bank of America, die Furcht vor zunehmendem Wettbewerb bzw. vor der bevorstehenden dritten Marktphase:

Now comes Phase 3, in which the aggregators are helping start-ups automate the transfer of money from big banks, using the banks’ own data to do it. Consider Acorns, which rounds up your purchases to the nearest dollar, grabs that extra change from your bank and drops it in an Acorns investment account. Nifty, right?

Folgt daraus, dass die die Geschäftsmodelle von Banken und Datenaggregatoren nicht zusammen passen? Bei Xero ist man da anderer Ansicht. Der australische Anbieter setzt vor allem auf das Two-way data sharing:

More than 50 Australian financial institutions, including each of the big four banks, are feeding account data into the Xero accounting dashboard, which is used by 262,000 small businesses in Australia. But 20 have gone further, and are now engaged in two-way data sharing. This allows a Xero customer to authorise Xero to feed back to the bank or fintech their enriched data, providing a more comprehensive view of their business than banks typically get from current processes.

Also eher Kooperation statt Konfrontation?

In Europa wird sich die Situation für Datenaggregatoren und Banken mit der General Data Protection Regulation GDPR verändern. Wichtiger Bestandteil ist der Punkt Consent.

Weitere Informationen:

Dieser Beitrag wurde unter Fintech abgelegt und mit , , , , , , , , verschlagwortet. Setze ein Lesezeichen auf den Permalink.

12 Antworten zu Datenaggregatoren sind einigen Großbanken ein Dorn im Auge

  1. Hello there! I could have sworn I’ve been to this blog before but after browsing
    through some of the post I realized it’s new to me.
    Nonetheless, I’m definitely happy I found it and I’ll be bookmarking and
    checking back often!

  2. A fascinating discussion is definitely worth comment.
    I think that you ought to write more on this issue, it may not be a taboo
    subject but generally people don’t speak about such issues.
    To the next! All the best!!

  3. Avatar motivational sagt:

    As the admin of this web site is working, no doubt very quickly it
    will be famous, due to its quality contents.

  4. Hi, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam
    comments? If so how do you reduce it, any plugin or anything you
    can advise? I get so much lately it’s driving me mad so any help is very much appreciated.

  5. This design is incredible! You certainly know how to keep a reader entertained.

    Between your wit and your videos, I was almost moved to
    start my own blog (well, almost…HaHa!) Wonderful job.
    I really enjoyed what you had to say, and more than that, how
    you presented it. Too cool!

  6. Avatar Dewapoker sagt:

    What’s up, I desire to subscribe for this website to take newest updates, so where can i do it please assist.

  7. Hello there, You’ve done an excellent job. I will definitely
    digg it and personally suggest to my friends.
    I’m confident they’ll be benefited from this web site.

  8. Avatar fiverr sagt:

    Hi there! I know this is kind of off-topic but I had to ask.
    Does operating a well-established blog like yours require
    a lot of work? I’m completely new to blogging but I do write in my diary everyday.
    I’d like to start a blog so I can easily share my own experience and views online.
    Please let me know if you have any recommendations
    or tips for new aspiring blog owners. Appreciate it!

  9. Have you ever considered creating an ebook or guest authoring on other websites?

    I have a blog centered on the same topics you discuss and would love to
    have you share some stories/information. I know my readers would enjoy your work.
    If you’re even remotely interested, feel free to shoot me an e-mail.

  10. Pretty nice post. I simply stumbled upon your weblog and wanted
    to mention that I’ve truly loved surfing around your weblog posts.

    After all I will be subscribing on your rss feed
    and I hope you write again soon!

  11. Avatar bandar Togel sagt:

    After I initially left a comment I appear to have clicked the
    -Notify me when new comments are added- checkbox and from now on whenever a comment is
    added I get four emails with the exact same comment.

    There has to be a way you are able to remove me from that service?
    Thanks!

  12. Avatar sex sagt:

    Definitely consider that which you said. Your favourite justification appeared to be on the web
    the simplest factor to remember of. I say to you, I definitely get
    irked even as other people think about concerns that they plainly don’t realize about.
    You managed to hit the nail upon the top and defined out the whole thing with no need side-effects ,
    folks can take a signal. Will probably be again to get
    more. Thank you

Schreibe einen Kommentar

Deine E-Mail-Adresse wird nicht veröffentlicht.

Diese Website verwendet Akismet, um Spam zu reduzieren. Erfahre mehr darüber, wie deine Kommentardaten verarbeitet werden.