IP Considerations For UK Open Banking App Developers

Law360 (April 3, 2018, 2:30 PM EDT) -- Since Jan. 13, 2018, consumer-facing banks in the U.K. have been required to make customers' banking data available to authorized third parties in a standardized format. The premise behind these open banking reforms is to allow consumers (and small businesses) to abstract their banking data and banking service from the analysis and reporting of their financial transactions. Ultimately, open banking allows authorized third-parties to access and process a consumer’s banking data and present and process it in new and innovative ways.

Even prior to the introduction of open banking, a number of mobile applications were available in the U.K. that ingest...

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