Establishing the Global Open Finance Centre of Excellence (GOFCoE) in Central Scotland to safely unlock the potential of customer data as a force to improve lives

在苏格兰中部建立全球开放金融卓越中心 (GOFCoE)，以安全地释放客户数据作为改善生活的力量的潜力

• 批准号: 107135
• 金额: $ 2869.89万
• 依托单位: UNIVERSITY OF EDINBURGH
• 依托单位国家: 英国
• 项目类别: Collaborative R&D
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 未结题
• 来源: https://gtr.ukri.org/projects?ref=107135
• 关键词: Establishing; Global; Open; Finance; Centre

Central Scotland, stretching between Edinburgh (Banking/Fund Management), Fife (Payments), Stirling (Insurance) and Glasgow (Banking/Insurance), has the UK's largest Financial Services concentration outside London employing 126,000 people (4.7% of all Scottish jobs). Financial Services are complemented by significant strengths in data science and Fintech, outstanding research talent across six universities and much of the UK's data-intensive computing facilities, including £550m investment in 'Data-Driven Innovation' via a City Region Deal.Open Banking, launched in the UK in 2018, is a pioneering initiative to rebalance markets in favour of consumers by using shared financial data through secure open Application Programming Interfaces (APIs) to increase competition and innovation, leading to better products and services. Open Banking is driving opportunities for collaboration between Fintechs, banks and universities to create innovative new data-driven services. The UK is a global leader with first mover advantage in Open Banking which has potential to become a cornerstone of Scotland's (and the UK's) digital economy. Open Banking will rapidly evolve into Open Finance, taking in products such as pensions, investments and insurance, another Central Scotland strength. Many countries are following our lead which creates global opportunities for both exports and inward investments.In recognition of these local strengths and this global movement, a Global Open Finance Centre of Excellence (GOFCoE) will be established with a mission to safely unlock the potential of customer data as a force to improve innovation, productivity and people's lives, addressing challenges such as fair access to credit, property ownership and saving for long life.The project, led by the University of Edinburgh, will focus on establishing GOFCoE, working in partnership with Fintech Scotland, the Financial Data and Technology Association, Scottish Enterprise and a consortium comprising financial services, Fintechs, professional services, public and third sector organisations. The project will deliver six key objectives:Catalyse financial data collaboration in a trusted environment to enable research and innovation, thus accelerating industry adoption of Open Finance at scale in Central ScotlandDecrease time-to-market and development costs, thereby improving start-up survival, attracting inward investment, securing jobs and creating export opportunitiesTrain new talent to enable regional sectoral expansionUndertake data-driven research to create knowledge of financial behaviours and deliver wider social and economic benefits locally and nationallyWork with regulators to establish ethical standards and best practice to ensure public trustBuild local, national and international partnerships to achieve financial sustainability.

苏格兰中部，爱丁堡（银行/基金管理），法夫（支付），斯特林（保险）和格拉斯哥（银行/保险）之间延伸，拥有英国最大的金融服务集中在伦敦以外，雇用126，000人（所有苏格兰工作的4.7%）。金融服务业在数据科学和金融科技方面拥有显著优势，六所大学的优秀研究人才和英国大部分数据密集型计算设施，包括通过城市地区交易投资5.5亿英镑用于“数据驱动创新”。2018年在英国推出的开放银行，是一项开创性的举措，通过安全的开放应用程序编程接口（API）使用共享的金融数据来重新平衡市场，以有利于消费者，从而增加竞争和创新，带来更好的产品和服务。开放银行正在推动金融科技、银行和大学之间的合作机会，以创造创新的数据驱动服务。英国是全球领先者，在开放银行方面具有先发优势，有可能成为苏格兰（和英国）数字经济的基石。开放银行将迅速演变为开放金融，包括养老金、投资和保险等产品，这是苏格兰中部的另一个优势。许多国家都在效仿我们的做法，为出口和对内投资创造全球机会。鉴于这些本地优势和这一全球运动，我们将建立一个全球开放金融卓越中心（GOFCOA），其使命是安全地释放客户数据的潜力，作为改善创新、生产力和人民生活的力量，解决公平获得信贷、该项目由爱丁堡大学牵头，将专注于建立GOFCoE，与Fintech Scotland，Financial Data and Technology Association，Scottish Enterprise以及一个由金融服务，Fintech，专业服务，公共和第三部门组织组成的财团合作。该项目将实现六个关键目标：在可信的环境中促进金融数据协作，以实现研究和创新，从而加速行业在苏格兰中部大规模采用开放式金融减少上市时间和开发成本，从而改善初创企业的生存，吸引外来投资，确保就业机会并创造出口机会培训新人才，以实现区域行业扩张开展数据驱动的研究，以创建金融行为知识，并在当地和全国范围内提供更广泛的社会和经济效益与监管机构合作，建立道德标准和最佳实践，以确保公众信任建立当地，国家和国际伙伴关系，以实现财政可持续性。