{"id":2943,"date":"2022-03-28T12:27:49","date_gmt":"2022-03-28T06:57:49","guid":{"rendered":"http:\/\/641e9b6dc5f49f232f998c50"},"modified":"2023-07-20T05:06:04","modified_gmt":"2023-07-19T23:36:04","slug":"apple-opens-up-to-open-banking","status":"publish","type":"post","link":"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/","title":{"rendered":"Apple Opens Up To Open Banking"},"content":{"rendered":"Disclaimer: The content of this webpage is not investment advice and does not constitute any offer or solicitation to recommend any investment product. It is for general education and information purposes only.Kudos to Apple for acquiring Credit Kudos in the UK!Apple has reportedly shelled out $150M for Credit Kudos, an open banking technology firm. Let\u2019s go down the rabbit hole of the resultant phenomenon that has emerged at the intersection of BigTech and Open Banking.Apple says hello to the Open Banking world. But wait, there\u2019s more to Credit Kudos than just Open Banking.What Does Credit Kudos Bring To The Table?In addition to holding an AISP (Account Information Service Provider) license, they are also an FCA-regulated credit reference agency. And that gives them access to both open banking data and the credit data from banks that other traditional credit bureaus have access to. Being an AISP, Credit Kudos is also authorized to access an individual\u2019s or SME\u2019s bank account data from their financial institutions with their explicit consent. Credit Kudos is also registered with the Information Commissioner\u2019s Office as a Data Controller and is compliant with the UK\u2019s Data Protection Act and the EU\u2019s General Data Protection Regulation. In addition to [&hellip;] \t\t<div class=\"woocommerce\">\n\t\t\t<div class=\"woocommerce-info wc-memberships-restriction-message wc-memberships-message wc-memberships-content-restricted-message\">\n\t\t\t\tThis post is only available to members.\t\t    <\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\"><\/span> <span class=\"rt-time\">9<\/span> <span class=\"rt-label rt-postfix\">mins read<\/span><\/span> Disclaimer: The content of this webpage is not investment advice and does not constitute any offer or solicitation to recommend any investment product. It is for general education and information purposes only.Kudos to Apple for acquiring Credit Kudos in the UK!Apple has reportedly shelled out $150M for Credit Kudos, an open banking technology firm. Let\u2019s go down the rabbit hole of the resultant phenomenon that has emerged at the intersection of BigTech and Open Banking.Apple says hello to the Open Banking world. But wait, there\u2019s more to Credit Kudos than just Open Banking.What Does Credit Kudos Bring To The Table?In addition to holding an AISP (Account Information Service Provider) license, they are also an FCA-regulated credit reference agency. And that gives them access to both open banking data and the credit data from banks that other traditional credit bureaus have access to. Being an AISP, Credit Kudos is also authorized to access an individual\u2019s or SME\u2019s bank account data from their financial institutions with their explicit consent. Credit Kudos is also registered with the Information Commissioner\u2019s Office as a Data Controller and is compliant with the UK\u2019s Data Protection Act and the EU\u2019s General Data Protection Regulation. In addition to [&hellip;] \t\t<\/p>\n<div class=\"woocommerce\">\n<div class=\"woocommerce-info wc-memberships-restriction-message wc-memberships-message wc-memberships-content-restricted-message\">\n\t\t\t\tThis post is only available to members.\t\t    <\/div>\n<\/p><\/div>\n","protected":false},"author":8,"featured_media":3543,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[88,105],"tags":[52,56,110],"hashtags":[],"class_list":["post-2943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","category-open-finance","tag-bnpl","tag-timeline","tag-usa","membership-content","access-restricted"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apple Opens Up To Open Banking - WhiteSight<\/title>\n<meta name=\"description\" content=\"Apple says hello to the Open Banking world. But wait, there\u2019s more to Credit Kudos than just Open Banking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Apple Opens Up To Open Banking - WhiteSight\" \/>\n<meta property=\"og:description\" content=\"Apple says hello to the Open Banking world. But wait, there\u2019s more to Credit Kudos than just Open Banking.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"WhiteSight\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-28T06:57:49+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-19T23:36:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/qistaging.com\/whitesight\/wp-content\/uploads\/2023\/03\/Apple-Opens-Up-To-Open-Banking.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sanjeev Kumar\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@WhiteSight_\" \/>\n<meta name=\"twitter:site\" content=\"@WhiteSight_\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sanjeev Kumar\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/\"},\"author\":{\"name\":\"Sanjeev Kumar\",\"@id\":\"https:\/\/qistaging.com\/whitesight\/#\/schema\/person\/b60d017fd16c9a8f3949fb111e7a9054\"},\"headline\":\"Apple Opens Up To Open Banking\",\"datePublished\":\"2022-03-28T06:57:49+00:00\",\"dateModified\":\"2023-07-19T23:36:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/\"},\"wordCount\":2096,\"publisher\":{\"@id\":\"https:\/\/qistaging.com\/whitesight\/#organization\"},\"keywords\":[\"BNPL\",\"Timeline\",\"USA\"],\"articleSection\":[\"Insights\",\"Open Finance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/\",\"url\":\"https:\/\/qistaging.com\/whitesight\/apple-opens-up-to-open-banking\/\",\"name\":\"Apple Opens Up To Open Banking - WhiteSight\",\"isPartOf\":{\"@id\":\"https:\/\/qistaging.com\/whitesight\/#website\"},\"datePublished\":\"2022-03-28T06:57:49+00:00\",\"dateModified\":\"2023-07-19T23:36:04+00:00\",\"description\":\"Apple says hello to the Open Banking world. 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