{"id":2132,"date":"2024-05-12T23:53:02","date_gmt":"2024-05-12T21:53:02","guid":{"rendered":"https:\/\/fida.bipro.net\/which-customer-data-is-relevant-for-fida\/"},"modified":"2024-05-31T15:45:02","modified_gmt":"2024-05-31T13:45:02","slug":"which-customer-data-is-relevant-for-fida","status":"publish","type":"post","link":"https:\/\/fida.bipro.net\/en\/which-customer-data-is-relevant-for-fida\/","title":{"rendered":"Which customer data is relevant for FiDA?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”Features” _builder_version=”4.23.1″ custom_padding=”|0||0px|false|false” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Customer data in the sense of FiDA<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/fida.bipro.net\/wp-content\/uploads\/2023\/10\/Welche-Daten-sind-betroffen.png” alt=”What is Financial Data Access Regulation” title_text=”Which customer data is affected” align=”center” _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

Customer Data<\/b> – personal and non-personal data collected, stored and otherwise processed by a financial institution in the normal course of its business with customers, including both data submitted by customers and data generated as a result of the customer’s interaction with the financial institution<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” column_structure=”1_4,3_4″][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”1_4″ theme_builder_area=”post_content”][et_pb_icon _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” font_icon=”||fa||900″ hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_icon][\/et_pb_column][et_pb_column _builder_version=”4.25.1″ _module_preset=”default” type=”3_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

\u201cData\u201d<\/strong> means any digital representation of acts, facts or information and any compilation of such acts, facts or information, including in the form of a sound, image or audio-visual recording<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.23.1″ _module_preset=”default” width=”100%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

Customer data in the following categories:<\/b><\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.23.1″ _module_preset=”default” width=”100%” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_2″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Insurance specific” use_icon=”on” font_icon=”||divi||400″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

    \n
  • Insurance products<\/b>, including data on insured assets (1)<\/b>(excluding life<\/i> and health insurance products<\/i>)<\/li>\n
  • Investments in insurance-based investment products (2)<\/b>, as well as the resulting economic benefits (e.g. private pension insurance, capital life insurance<\/i>)<\/li>\n
  • Pension entitlements in company pension schemes and private pension products (3)<\/b> (<\/i>e.g. company pension schemes)<\/i><\/li>\n<\/ul>\n

    [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_blurb title=”Non-insurance specific” use_icon=”on” font_icon=”||divi||400″ icon_color=”#E02B20″ _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n

      \n
    • Savings, investments in financial instruments, crypto assets, real estate and other financial assets and the resulting economic benefits<\/li>\n
    • Mortgages, other loans, savings accounts and all other accounts not yet covered by PSD2 (or the draft PSR), including balance, terms and transaction details<\/li>\n
    • Credit assessment as part of a credit application process or a credit inquiry<\/li>\n
    • Suitability and appropriateness assessment according to MiFID<\/li>\n
    • Sustainability-related data<\/li>\n<\/ul>\n

      [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

      Customer data in the sense of FiDACustomer Data – personal and non-personal data collected, stored and otherwise processed by a financial institution in the normal course of its business with customers, including both data submitted by customers and data generated as a result of the customer’s interaction with the financial institution\u201cData\u201d means any digital representation […]<\/p>\n","protected":false},"author":3,"featured_media":423,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[30],"tags":[],"class_list":["post-2132","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fida-regulation"],"_links":{"self":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts\/2132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/comments?post=2132"}],"version-history":[{"count":2,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts\/2132\/revisions"}],"predecessor-version":[{"id":2134,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/posts\/2132\/revisions\/2134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/media\/423"}],"wp:attachment":[{"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/media?parent=2132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/categories?post=2132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fida.bipro.net\/en\/wp-json\/wp\/v2\/tags?post=2132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}