Zaveden\u00ed otev\u0159en\u00fdch bankovn\u00edch rozhran\u00ed (API) v \u010cesk\u00e9 republice bylo d\u016fsledkem sm\u011brnice EU o platebn\u00edch slu\u017eb\u00e1ch \u010d. 2 (PSD2), kter\u00e1 od roku 2019 vy\u017eaduje, aby banky poskytovaly t\u0159et\u00edm stran\u00e1m bezpe\u010dn\u00fd p\u0159\u00edstup k dat\u016fm z\u00e1kazn\u00edk\u016f \u2013 s jejich souhlasem. Dnes v\u0161echny velk\u00e9 \u010desk\u00e9 banky \u2013 \u010cesk\u00e1 spo\u0159itelna, Komer\u010dn\u00ed banka, \u010cSOB a Fio banka \u2013 nab\u00edzej\u00ed ve\u0159ejn\u00e1 API pro inici\u00e1tory plateb (PIS) a agreg\u00e1tory \u00fa\u010dt\u016f (AIS). To umo\u017enilo vznik \u0159ady fintech aplikac\u00ed, kter\u00e9 zjednodu\u0161uj\u00ed finan\u010dn\u00ed spr\u00e1vu.
\nJedn\u00edm z prominentn\u00edch p\u0159\u00edklad\u016f je Spendee, slu\u017eba vyvinut\u00e1 v Praze, kter\u00e1 umo\u017e\u0148uje u\u017eivatel\u016fm sdru\u017eovat \u00fa\u010dty z r\u016fzn\u00fdch bank, sledovat v\u00fddaje a vytv\u00e1\u0159et rozpo\u010det. Takov\u00e9 aplikace jsou obzvl\u00e1\u0161t\u011b obl\u00edben\u00e9 mezi mlad\u00fdmi lidmi a expaty.
\nOtev\u0159en\u00e1 API tak\u00e9 usnad\u0148uj\u00ed rozvoj embedded finance \u2013 integrace finan\u010dn\u00edch funkc\u00ed do nefinan\u010dn\u00edch platforem. Nap\u0159\u00edklad internetov\u00e9 obchody mohou nab\u00edzet okam\u017eit\u00e9 schv\u00e1len\u00ed \u00fav\u011bru nebo spl\u00e1tkov\u00e9 kalend\u00e1\u0159e p\u0159\u00edmo na str\u00e1nce platby.
\nTechnick\u00e1 implementace API v \u010cesk\u00e9 republice spl\u0148uje evropsk\u00e9 standardy \u2013 p\u0159edev\u0161\u00edm standardy Berlin Group nebo STET. To zaji\u0161\u0165uje kompatibilitu se slu\u017ebami z jin\u00fdch zem\u00ed EU a zjednodu\u0161uje \u0161k\u00e1lov\u00e1n\u00ed pro fintech spole\u010dnosti.<\/p>\n
\nBezpe\u010dnost z\u016fst\u00e1v\u00e1 prioritou. V\u0161ichni poskytovatel\u00e9 t\u0159et\u00edch stran mus\u00ed m\u00edt licenci od \u010cesk\u00e9 n\u00e1rodn\u00ed banky nebo jin\u00e9ho regula\u010dn\u00edho org\u00e1nu EU. Klienti proch\u00e1zej\u00ed siln\u00fdm ov\u011b\u0159ov\u00e1n\u00edm (SCA) a data jsou p\u0159en\u00e1\u0161ena \u0161ifrovan\u00fdmi kan\u00e1ly.
\nJe zaj\u00edmav\u00e9, \u017ee banky se zpo\u010d\u00e1tku otev\u0159en\u00fdm rozhran\u00edm br\u00e1nily z obavy z \u00faniku z\u00e1kazn\u00edk\u016f. Postupem \u010dasu si v\u0161ak uv\u011bdomily v\u00fdhody: partnerstv\u00ed s fintech spole\u010dnostmi zvy\u0161uje loajalitu a udr\u017euje u\u017eivatele v ekosyst\u00e9mu.
\nN\u011bkter\u00e9 banky \u0161ly je\u0161t\u011b d\u00e1l a vytvo\u0159ily si vlastn\u00ed tr\u017ei\u0161t\u011b API. Nap\u0159\u00edklad \u010cesk\u00e1 n\u00e1rodn\u00ed banka spustila platformu, kde v\u00fdvoj\u00e1\u0159i mohou testovat integrace a firmy mohou propojovat finan\u010dn\u00ed slu\u017eby bez p\u0159\u00edm\u00e9 interakce s IT odd\u011blen\u00edm.
\nNicm\u00e9n\u011b \u00farove\u0148 p\u0159ijet\u00ed dat o otev\u0159en\u00e9m bankovnictv\u00ed z\u016fst\u00e1v\u00e1 skromn\u00e1. Odhaduje se, \u017ee m\u00e9n\u011b ne\u017e 15 % populace aktivn\u011b vyu\u017e\u00edv\u00e1 slu\u017eby AIS\/PIS t\u0159et\u00edch stran. To je zp\u016fsobeno jak n\u00edzkou informovanost\u00ed, tak ned\u016fv\u011brou ve sd\u00edlen\u00ed finan\u010dn\u00edch informac\u00ed.
\nOtev\u0159en\u00e1 API se v budoucnu stanou z\u00e1kladem pro personalizovan\u00e9 finan\u010dn\u00ed nab\u00eddky, automatizovan\u00e9 \u00fa\u010detnictv\u00ed a integraci s vl\u00e1dn\u00edmi slu\u017ebami. \u010cesk\u00e1 republika m\u00e1 d\u00edky vysok\u00e9 \u00farovni digitalizace dobrou pozici k rozvoji tohoto ekosyst\u00e9mu.<\/p>\n","protected":false},"excerpt":{"rendered":"
Zaveden\u00ed otev\u0159en\u00fdch bankovn\u00edch rozhran\u00ed (API) v \u010cesk\u00e9 republice bylo d\u016fsledkem sm\u011brnice EU o platebn\u00edch slu\u017eb\u00e1ch \u010d. 2 (PSD2), kter\u00e1 od roku 2019 vy\u017eaduje, aby banky poskytovaly t\u0159et\u00edm stran\u00e1m bezpe\u010dn\u00fd p\u0159\u00edstup…<\/p>\n","protected":false},"author":2,"featured_media":115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inovace"],"_links":{"self":[{"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/posts\/114","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/neoloricin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=114"}],"version-history":[{"count":1,"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/posts\/114\/revisions"}],"predecessor-version":[{"id":116,"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/posts\/114\/revisions\/116"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/neoloricin.com\/index.php?rest_route=\/wp\/v2\/media\/115"}],"wp:attachment":[{"href":"https:\/\/neoloricin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/neoloricin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/neoloricin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}