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.


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:

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