Core Points - The EU is moving to exclude major US tech companies like Meta, Apple, Google, and Amazon from its new financial data-sharing system, which aims to foster the development of consumer-oriented digital financial products [1][4] - This decision is supported by Germany and is seen as a way to enhance European banks' ability to compete against large US tech firms, which are perceived as threats to the traditional banking sector [1][4] - The negotiations for the Financial Data Sharing Framework Regulation (FIDA) are nearing completion, with expectations that large tech companies will face significant setbacks in their lobbying efforts [1][3] Group 1: FIDA Framework - FIDA aims to provide a legal basis for compensated data sharing, emphasizing transparency and non-discriminatory pricing principles to ensure fair revenue distribution [3] - The framework extends "open banking" beyond payment services to include savings, credit, investment, pensions, and insurance, with standardized interfaces and clear consumer control [3] - European financial institutions are advocating for stricter access restrictions to prevent large tech firms from leveraging sensitive financial data, which could reinforce their dominant positions [3][4] Group 2: Regulatory Environment - The EU's stringent digital technology regulations stem from concerns over potential infringements on personal rights and the need to support local businesses in the face of competition from US and Chinese firms [4][6] - The EU aims to establish a "digital sovereignty" that may lead to a fragmented data economy if other countries follow suit, potentially hindering innovation within Europe [6] - Observers note that while strict regulations may protect local markets, they could also impede the EU's global competitiveness and innovation capabilities [6]
欧盟要新建金融数据共享系统,为何不带Meta苹果谷歌亚马逊玩?