OCHIQ BANK API'LARI: MOLIYAVIY MA'LUMOTLARGA KIRISH IMKONINI BERUVCHI HUQUQIY ASOSLAR
Kalit so‘zlar:
Ochiq bank API'lari, uchinchi tomon provayderlari (TPP), PSD2, mobil ilova, platforma, moliyaviy ma’lumotlarAnnotasiya
Ochiq bank API'lari moliyaviy sohada inqilob qilish imkoniyatiga ega bo‘lgan yangi va rivojlanayotgan texnologiyadir. Ochiq bank API'lari uchinchi tomon provayderlariga (TPP) banklardan mijozlarning moliyaviy ma'lumotlariga xavfsiz va standartlashtirilgan tarzda kirish imkonini beradi. Biroq, ochiq bank API'lari ham bir qator huquqiy muammolarni keltirib chiqaradiki, ochiq bank API-lari orqali moliyaviy ma'lumotlarga kirishni ta'minlash uchun amaldagi qonunchilik asoslari, ochiq bank API-larini muvaffaqiyatli joriy etishni ta'minlash uchun hal qilinishi kerak bo‘lgan asosiy huquqiy masalalar shular jumlasidandir.
Foydalanilgan adabiyotlar
Directive 2015/2366/EU of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market; OJ L 337, 23 December 2015, pp. 35–127.
Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data; OJ L 119, 4 May 2016, pp. 1–88.
European Court of Justice: Judgment of 11 September 2014, MasterCard Inc. and Others vs. European Commission; C-382/12 P, EU:C:2014:2201.
European Commission: Frequently asked questions: making electronic payments and online banking safer and easier for consumers. QANDA/19/5555, 13 September 2019
Graef, I., Husovec, M., Purtova, N.: Data portability and data control: lessons for an emerging concept in EU law. Ger. Law J. 19(6), 1359–1398 (2018)
Martens, B.: An economic policy perspective on online platforms. Institute for Prospective Technological Studies, Digital Economy Working Paper 2016/05. European Commission, Brussels (2016)
