Yini i-open banking?

I-open banking ivumela likhasimende kutsi labelane ngekuphepha ngemininingwane yalo yasebhange — noma ligunyate inkhokhelo kusuka ku-akhawunti yalo — nebahlinzeki labanelayisensi ngema-API lahlelekile, esikhundleni sekutsi leyo mininingwane ihlale ivalelwe ngekhatsi kwebhange linye. Ngamafushane: likhasimende ngulonikati wemininingwane yalo futsi linguloncuma kutsi labelane ngayo nabani futsi ngobani.

ESaudi Arabia, i-Saudi Central Bank (SAMA) ihola loku ngeSakhiwo sayo se-Open Banking, lesacala ngeTinsita Tekwatisa nge-Akhawunti (AIS) bese kulandzela Tinsita Tekucalisa Inkhokhelo (PIS). Umphumela ngulesimiso setimali lesinemncintiswano nalesisha lesivulela banikati bemabhizinisi ematfuba lebekangekho ngaphambilini.

Kungani umnikati webhizinisi kufanele anake?

  • Tinkhokhelo letishibhile netisheshako: tinkhokhelo kusuka ku-akhawunti kuya ku-akhawunti ngekucalisa inkhokhelo tingehlisa tindleko temakhadi futsi tishesise kufika kwemali kuwe.
  • Kucinisekiswa kwetimali lokutsembekile: ngemvumo yelikhasimende, ungacinisekisa imininingwane yalo yetimali ngekushesha — loku kuyasita etimalini tekuboleka, ekukhokheni ngetitolo, noma ekucinisekiseni imali leholwako esikhundleni semaphepha.
  • Kukhokha lokushelelako: faka inkhokhelo yasebhange ngco esitolo sakho noma ku-app yakho, ngetinyatselo letimbalwa kanye nemakalishi lambalwa lashiywako.
  • Kucondza likhasimende ngalokujulile: umbono wetimali lonikwe ngemvumo ukusita kutsi unikete imikhicito netinsita letifanelana nemakhasimende akho kancono.

Tibonelo letisebentako ngekwemsebenti

  • Kuhweba nge-inthanethi: lukhetfo lwe-"khokha nge-akhawunti yakho yasebhange" ekugcineni kwekutsenga, eceleni kwa-Mada, Apple Pay, ne-STC Pay.
  • Timali tekuboleka nekukhokha ngetitolo: hlola kufaneleka kwekuboleka ngekushesha kusuka kumininingwane ye-akhawunti lenikwe ngemvumo esikhundleni setitatimende letentiwa ngesandla.
  • Ti-akhawunti nekubhalisa: kucondzanisa ngekutentekela kwetinkhokhelo nema-invoyisi, kanye nekucoca kwemali yekubhalisa lephindaphindwako ngalokushelelako.
Umcondvo lomkhulu: imininingwane yelikhasimende ihamba ngemvumo yalo kute ilisite — esikhundleni sekuhlala ivalelwe lapho kungekho muntfu lozuza kuyo.

Kuphepha nebumfihlo kucala

I-open banking yakhelwe emvumweni lecacile yelikhasimende futsi isebenta kuphela ngebahlinzeki labanelayisensi labagadvwa yi-SAMA. Ngobe itsintsa imininingwane yetimali lebucayi, kulandzela uMtsetfo Wekuvikela Imininingwane Yemuntfu (PDPL) kubalulekile: cocela imininingwane lencane ledzingekako, uyibetele, futsi usebentise imvume lenembile nekubhala lokwentiwako.

Ungacala njani

Cala ngendlela yinye lecacile yekusebentisa lenembuyiselo lephakeme — njengekungeta inkhokhelo yasebhange ngco ekugcineni kwekutsenga, noma kushesisa kuhlolwa kwekufaneleka kwekuboleka etimalini tekuboleka — ngekuhlanganisa nemhlinzeki lonelayisensi ngekhatsi kwesakhiwo se-SAMA. Fakazela imphumelelo ngetinombolo, bese wandza kancane kancane.

Indzima ye-Origami

Ku-Origami sihlanganisa tinhlelo takho nesitolo sakho nema-API e-open banking ngebahlinzeki labanelayisensi, ngeklama lephephile lehambisana ne-PDPL kanye nesipiliyoni sekukhokha lesishelelako kulikhasimende lakho. Sicala ngendlela yinye yekusebentisa, siyikale ngetinombolo, bese siyandza.

Imitfombo

  • Saudi Central Bank (SAMA) — Open Banking: sama.gov.sa
  • Luhlelo lwe-Open Banking lwe-SAMA.
  • Inothi: tinsita kanye neluhlu lwebahlinzeki labanelayisensi kuyashintja njalo; hlola umtfombo losemtsetfweni nalosesikhatsini ngaphambi kwanoma ngukuphi kuhlanganiswa.