Executing the open banking strategy in the United States
在美国实施开放银行战略
Engaging with consumers in the journey
在旅途中与消费者接触
​In other countries, open banking has grown due to regulations—but US growth will be industry-driven. Here are some key factors US bank leaders can consider when developing their open banking approaches.
在其他国家，由于监管的原因，开放银行业务有所增长，但美国的增长将受到行业的推动。以下是美国银行业领导人在制定开放式银行业务方法时可以考虑的一些关键因素。
Key messages
关键信息
In the United States, open banking is expected to evolve as an industry-driven initiative, unlike other countries, where regulatory mandates are forcing many banks to adopt open banking. However, US banks can benefit from lessons learned in these regions, such as how to establish technical and customer experience standards for data-sharing/APIs.
在美国，与其他国家不同，开放银行业务预计将演变为一项由行业驱动的举措，而其他国家的监管要求正迫使许多银行采用开放银行业务。然而，美国银行可以从这些地区的经验教训中获益，例如如何建立数据共享/api的技术和客户体验标准。
If done well, open banking can help US banks achieve key strategic goals. Open banking can amplify and accelerate banks’ digital transformation efforts and the emergence of new business models.
如果做得好，开放银行可以帮助美国银行实现关键的战略目标。开放银行可以放大和加速银行的数字化转型努力和新业务模式的出现。
So far, attitudes toward open banking in the United States appear to be mixed. Our consumer survey revealed one in five consumers in the United States find open banking valuable,1 but the interest is higher among millennials and the Gen Z generation. This suggests US banks should target younger generations in their initial open banking initiatives.
到目前为止，人们对美国开放银行业的态度似乎参差不齐。我们的消费者调查显示，五分之一的美国消费者认为开放式银行很有价值，但千禧一代和Z一代的兴趣更高。这意味着，美国银行应在最初的开放银行业务举措中瞄准年轻一代。
But consumers also expressed some concerns, especially about privacy, and the security and use of personal data. This seems to point to a need for banks to educate consumers about the benefits of open banking.
但消费者也表达了一些担忧，特别是隐私、个人数据的安全和使用。这似乎表明，银行需要教育消费者开放银行业务的好处。
The question, “Who owns my data?” is at the heart of how receptive consumers may be about open banking. Less than one-third of consumers feel they are in control of their financial data, which is a growing source of friction for them. Banks should recognize that the concept of customers as owners (or co-owners) of their financial data will likely soon become a reality, given the global political and social trends concerning privacy and customer data. Allowing for this shift may not only alter the relationships consumers have with their financial institutions; it could also change business models in banking.
问题是，“谁拥有我的数据？“这是消费者对开放银行业务的接受程度的核心。不到三分之一的消费者认为他们能够控制自己的财务数据，这对他们来说是一个越来越大的摩擦源。银行应认识到，考虑到有关隐私和客户数据的全球政治和社会趋势，客户作为其财务数据所有者（或共同所有者）的概念很快将成为现实。允许这种转变不仅可能改变消费者与其金融机构的关系，还可能改变银行业的商业模式。
While the potential upside may be vast, the stakes are high. US banks should be selective in how they implement open banking practices. They can take the lead from a position of strength, pivoting from a product-centric mindset to a customer-centric focus.
虽然潜在的好处可能很大，但风险很大。美国银行应在如何实施开放式银行业务方面有所选择。他们可以从一个强势的位置开始，从以产品为中心的思维转向以客户为中心的焦点。