Will Open Banking trigger the API of Me?
summary
Claims that open banking (PSD2 / CMA pressure) can feed a real personal data store that exposes an “API of Me” for curated, authorized sharing. Demonstrations include Miko, Mydex-style vaults, TrueNomi’s federated bridge and aggregators like Figo; ingestion currently relies on web scraping, CSVs or aggregator APIs. Risk: draft SCA specs give banks wide implementation leeway, creating many incompatible interfaces. Conclusion: open banking greatly accelerates personal data stores but regulation and fragile standards mean it’s plausible, not guaranteed.
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chapters (9)
- 0:00Introduction
- 2:45What is a Personal Data Store
- 4:23Document Management
- 6:48Personal Data Store
- 7:51Miko
- 9:00MyDeck
- 9:59TrueKnowMe
- 12:49Importance of Open Banking
- 17:26Aggregators
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