{"id":2188,"date":"2023-07-10T12:19:19","date_gmt":"2023-07-10T10:19:19","guid":{"rendered":"https:\/\/mia-fintech.io\/?p=2188"},"modified":"2024-06-19T14:32:31","modified_gmt":"2024-06-19T12:32:31","slug":"open-banking-open-finance-open-data-economy","status":"publish","type":"post","link":"https:\/\/mia-fintech.io\/it\/blog\/open-banking-open-finance-open-data-economy\/","title":{"rendered":"I nuovi paradigmi finanziari: Open Banking, Open Finance e Open Data Economy"},"content":{"rendered":"\n<h2 class=\"qzr-add-controls-font-choose wp-block-heading\">Cos\u2019\u00e8 Open banking e la tecnologia che supporta questa evoluzione&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La grande spinta alla base del cambiamento dell\u2019ecosistema finanziario \u00e8 dovuta alla sempre pi\u00f9 nota <strong>PSD2<\/strong> (<a href=\"https:\/\/www.ecb.europa.eu\/paym\/intro\/mip-online\/2018\/html\/1803_revisedpsd.en.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Payment Services Directive 2<\/a>). Grazie ad essa si sono sviluppati i <strong>nuovi paradigmi tecnologici<\/strong> di condivisione e interoperabilit\u00e0 dei dati conosciuti come <strong>Open Data e Open API<\/strong>, i quali a loro volta hanno gettato le basi per la nascita del paradigma dell\u2019<strong>Open Banking<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con Open Banking si intende un <strong>ecosistema aperto e digitale<\/strong> che consente lo scambio di dati e informazioni tra gli operatori bancari, finanziari ed extra finanziari che ne fanno parte. Questo scambio, naturalmente, avviene soltanto in seguito all\u2019autorizzazione fornita dai clienti dell\u2019ecosistema bancario, i quali rimangono sempre i destinatari finali dei servizi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019accesso ai <strong>dati e l\u2019innovazione tecnologica stanno radicalmente cambiando l\u2019intera industry<\/strong>. Il settore finanziario, infatti, \u00e8 alla ricerca di nuovi modelli di business, prodotti e servizi. Al centro di questa evoluzione vi \u00e8 l\u2019esperienza utente. Attualmente i consumatori sono abituati a interagire con le aziende attraverso una moltitudine di canali, fisici o digitali, e si aspettano un\u2019esperienza sempre pi\u00f9 semplice e omogenea.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un esempio concreto \u00e8 il Digital Onboarding, ovvero il processo digitale per accogliere nuovi clienti tramite un <a href=\"https:\/\/mia-fintech.io\/it\/blog\/identification-manager-identita-digitale\/\" target=\"_blank\" rel=\"noreferrer noopener\">sistema di identificazione<\/a> e certificazione delle identit\u00e0 sicuro, facile e affidabile. Nella prima fase di acquisizione dell\u2019utente questo processo <strong>digitalizza l\u2019esperienza degli utenti<\/strong> con un inserimento pi\u00f9 rapido dei loro dati e successivamente permette di accedere al loro account attraverso la verifica automatizzata dell&#8217;account e dell&#8217;identit\u00e0. Questo consente di garantire servizi bancari pi\u00f9 rapidi, personalizzati e completi.&nbsp;<\/p>\n\n\n\n<h2 class=\"qzr-add-controls-font-choose wp-block-heading\">Le evoluzioni dell\u2019Open banking: Open finance e open data economy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le potenzialit\u00e0 dell\u2019Open Banking sono in costante sviluppo, tanto che ormai si parla gi\u00e0 di<strong> Open Finance e Open Data Economy<\/strong>. Questi due paradigmi sfruttano <strong>le innovazioni portate dall\u2019Open Banking<\/strong>, e le declinano su altri aspetti del settore finanziario. <\/p>\n\n\n\n<h3 class=\"qzr-add-controls-font-choose wp-block-heading\">Open Finance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Con l\u2019Open Finance si passa dalla semplice vendita di prodotti finanziari alla fornitura di servizi completi e personalizzati. In questo nuovo paradigma ha un <strong>ruolo chiave l&#8217;integrazione con partner e provider esterni che arricchiscono l&#8217;offerta<\/strong> con servizi assicurativi. Strettamente legato a questo paradigma \u00e8 ad esempio il fenomeno Bancassurance che consente la vendita di prodotti assicurativi attraverso i canali bancari. I prodotti assicurativi sono distribuiti dalle compagnie assicurative attraverso le piattaforme API delle banche, le quali sfruttano le proprie capacit\u00e0 di Open Banking per esporre i dati dei clienti e i prodotti assicurativi rilevanti.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le partnership tra diversi player sono fondamentali per ottenere l&#8217;accesso agli ecosistemi digitali e in questo scenario le API sono la forza trainante del business digitale, in quanto consentono un\u2019integrazione facile e veloce con i partner strategici.<\/p>\n\n\n\n<h3 class=\"qzr-add-controls-font-choose wp-block-heading\">Open Data Economy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<strong>Open Data Economy<\/strong> \u00e8 un\u2019ulteriore evoluzione dell\u2019Open Banking. I servizi forniti ai consumatori non riguardano pi\u00f9 solo la sfera finanziaria e assicurativa ma <strong>tutti i servizi e prodotti che gli utenti finali possono utilizzare nella loro quotidianit\u00e0<\/strong> a 360\u00b0: per esempio,, i servizi healthcare, lifestyle, travel ecc.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sfruttando il paradigma dell\u2019Open Data Economy, le banche non si posizionano solo come fornitori di servizi bancari e assicurativi, ma mettono a disposizione delle piattaforme con servizi integrati e personalizzati di vario genere, come per esempio quelli riguardanti la sfera dell&#8217;healthcare. Tutto questo \u00e8 possibile grazie alla condivisione dei dati e delle abitudini di consumo dei consumatori e all\u2019integrazione tra player di settori diversi che costruiscono diverse offerte sulla base delle molteplici esigenze dei consumatori.&nbsp;<\/p>\n\n\n\n<h2 class=\"qzr-add-controls-font-choose wp-block-heading\">Conclusioni&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Grazie alla tecnologia di Mia-FinTech le aziende possono garantire un\u2019<strong>esperienza completa, continuativa e positiva su diversi canali<\/strong>. Inoltre, possono avviare integrazioni e <a href=\"https:\/\/mia-fintech.io\/it\/prodotto\/\" target=\"_blank\" rel=\"noreferrer noopener\">collaborazioni con nuovi partner<\/a> in modo semplice e veloce, creando bundle di servizi integrati a tempo record per sfruttare al meglio nuove opportunit\u00e0 di business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Questo nuovo ecosistema economico favorir\u00e0 le collaborazioni tra le imprese: stanno emergendo, infatti, <strong>nuove strategie per la diffusione di servizi bancari e finanziari che sono caratterizzate da una fitta rete di partnership<\/strong> nella quale collaborano istituti bancari, intermediari, societ\u00e0 fintech e societ\u00e0 commerciali. <br>Mia-FinTech \u00e8 specializzata nel semplificare e accelerare l\u2019integrazione dei sistemi e l\u2019interoperabilit\u00e0 dei dati fra business partner e questo contente di abilitare diversi <a href=\"https:\/\/mia-fintech.io\/it\/casi-uso\/\" target=\"_blank\" rel=\"noreferrer noopener\">use cases<\/a>.<\/p>\n\n\n\t\t","protected":false},"excerpt":{"rendered":"<p>L&#8217;Open Banking, l&#8217;Open Finance e l&#8217;Open Data Economy: i paradigmi che stanno cambiando l&#8217;ecosistema finanziario grazie alla tecnologia.<\/p>\n","protected":false},"author":214943450,"featured_media":2215,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[1493],"tags":[1466,1523,1467],"class_list":["post-2188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-composable-technology-it","tag-open-banking-it","tag-open-data-economy","tag-open-finance-it"],"yoast_head":"<!-- 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