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开放金融：韩国经验与东亚及太平洋地区的机遇与挑战（英）2024

金融2024-06-12世界银行喜***

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Open Finance: The Korean Experience & Opportunities and Challenges for the East Asia and Pacific Region

Executive Summary

This paper presents an overview of Open Finance, focusing on the Korean experience and exploring opportunities and challenges for the East Asia and Pacific region. It aims to contribute to discussions on innovation matters in the region.

Key Findings:

Introduction: This section outlines the context and importance of Open Finance, highlighting its potential to enhance financial inclusion and innovation.
Literature Review: It sets the context by reviewing relevant literature, discussing the concepts of Open Banking and Open Finance, and exploring their implications for financial development.
Korean Experience: This part delves into lessons learned from Korea's implementation of Open Finance, particularly focusing on Open Banking initiatives and their impact.
Opportunities and Challenges: The paper analyzes opportunities presented by Open Finance in the East Asia and Pacific region and identifies key challenges that need to be addressed.
Country-Level Analysis: It provides detailed analyses of Indonesia and the Philippines, showcasing specific developments and insights relevant to each country.
Policy Implications: Recommendations are provided for policy makers aiming to foster Open Finance in their respective regions, covering areas such as clear objectives, regulatory efforts, collaboration, and innovation promotion.

Conclusion: The paper concludes by summarizing the main insights and suggesting directions for further research and policy action to promote Open Finance in the East Asia and Pacific region, drawing on Korea's experience and lessons learned.

This summary captures the essence of the report, providing a structured overview of its key sections without repeating content unnecessarily.

PublicDisclosureAuthorized PublicDisclosureAuthorized PublicDisclosureAuthorized PublicDisclosureAuthorized seoulcenterforfinanceandinnovation incollaborationwith OpenFinance:theKoreanExperience&OpportunitiesandChallengesfortheEastAsiaandPacificRegion ©2024InternationalBankforReconstructionandDevelopment/TheWorldBank 1818HStreetNWWashingtonDC20433 Telephone:202-473-1000Internet:www.worldbank.org ThisworkisaproductofthestaffofTheWorldBankwithexternalcontributions.Thefindings,interpretations,andconclusionsexpressedinthisworkdonotnecessarilyreflecttheviewsofTheWorldBank,itsBoardofExecutiveDirectors,orthegovernmentstheyrepresent. TheWorldBankdoesnotguaranteetheaccuracy,completeness,orcurrencyofthedataincludedinthisworkanddoesnotassumeresponsibilityforanyerrors,omissions,ordiscrepanciesintheinformation,orliabilitywithrespecttotheuseoforfailuretousetheinformation,methods,processes,orconclusionssetforth.Theboundaries,colors,denominations,andotherinformationshownonanymapinthisworkdonotimplyanyjudgmentonthepartofTheWorldBankconcerningthelegalstatusofanyterritoryortheendorsementoracceptanceofsuchboundaries. NothinghereinshallconstituteorbeconstruedorconsideredtobealimitationuponorwaiveroftheprivilegesandimmunitiesofTheWorldBank,allofwhicharespecificallyreserved. RightsandPermissions Thematerialinthisworkissubjecttocopyright.BecauseTheWorldBankencouragesdisseminationofitsknowledge,thisworkmaybereproduced,inwholeorinpart,fornoncommercialpurposesaslongasfullattributiontothisworkisgiven. Anyqueriesonrightsandlicenses,includingsubsidiaryrights,shouldbeaddressedtoWorldBankPublications,TheWorldBankGroup,1818HStreetNW,Washington,DC20433,USA;fax:202-522-2625;e-mail:pubrights@worldbank.org. WorldBankGroup Finance,CompetitivenessandInnovationGlobalPractice OpenFinance:theKoreanExperience&OpportunitiesandChallengesfor theEastAsiaandPacificRegion seoulcenterforfinanceandinnovation maY2024 Acknowledgment ThispaperisaproductoftheWorldBankFinance,CompetitivenessandInnovation(FCI)GlobalPractice’sEastAsiaandPacificRegion,SeoulCenterforFinanceandInnovation(SeoulCenter),KoreaFinancialTelecommunications&ClearingsInstitute(KFTC),andKoreaInstituteofFinance(KIF).ItispartofalargereffortbytheWorldBankKoreaOfficetocontributetodevelopmentpolicydiscussionsoninnovationmattersintheEastAsiaandPacificregionandaroundtheworld. Theauthors1areextremelythankfulforthesupportoftheWorldBank,KIFandKFTCfortheirpartnershiponthispaper.ThanksalsogotoBankIndonesiaandBangkoSentralNgPilipinasfortheircooperationincompletingthesurveyontheiropenfinancedevelopment.TheauthorsappreciateguidanceandcommentsfromZaferMustafaoglu(PracticeManager,FCI),FredesvindaFatimaMontes(SeniorFinancialSectorSpecialist,FCI),MariusVismantas(LeadFinancialSectorSpecialist,FCI),MariaFernandezVidal(SeniorFinancialSectorSpecialist,FCI),GuillermoAlfonsoGaliciaRabadan(Consultant,FCI),andStuartYikona(ProgramManager,FCISeoulCenter).TheauthorsalsothankSeongkiHong(SeniorFinancialSectorSpecialist,FCI)andSeungeunJeong(Consultant,FCISeoulCenter)forallthesupportinthefinalizationofthispaper. Thispaper’sfindings,interpretations,andconclusionsareentirelythoseoftheauthorsanddonotnecessarilyrepresenttheviewsoftheWorldBank,itsexecutivedirectors,orthecountriesitrepresents. Finally,theauthorswouldliketothanktheMinistryofEconomyandFinanceoftheRepublicofKoreaforitscontinuedpartnershipinsupportingtheworkoftheSeoulCenterandthedevelopmentofthefinancialandprivatesectorsintheEastAsiaandPacific. 1HeungJinKwon,ResearchFellow,KoreaInstituteofFinance;KyoosunChoi,SeniorResearcher,KoreaFinancialTelecommunications&ClearingsInstitute;andSoohyangLee,FinancialSectorSpecialist,WorldBank. theeastasiaandpacificregion4 Contents ExecutiveSummary8 1.Introduction11 2.LiteratureReview:SettingtheContext18 3.KoreanExperience:LessonstoBeLearned25 3.1.OpenBanking26 3.2.OpenFinance35 4.OpportunitiesandChallengesintheEastAsiaandPacific45 4.1.Overview46 4.2.Country-LevelAnalysis:Indonesia57 4.3.Country-LevelAnalysis:ThePhilippines63 Annexes67 Annex4A.IndicatorsforAssessingFinancialDevelopment68 Annex4B.Middle-IncomeCountries’FinancialSectorDevelopmentbyRegion(2016–21)69 5.PolicyImplicationsfortheEastAsiaandPacificandBeyond72 5.1.ClearPolicyObjectives72 5.2.RegulatoryandLegislativeEfforts73 5.3.CentralizedversusDecentralizedApproach73 5.4.Interoperability74 5.5.Phase-inApproach75 5.6.InnovationandCompetition75 5.7.Collaboration76 References78 theeastasiaandpacificregion5 Abbreviations AIartificialintelligence AMLanti-moneylaundering APIapplicationprogramminginterfaceBCBSBaselCommitteeonBankingSupervisionBIBankIndonesia BPSBadanPusatStatistik(StatisticsIndonesia),Indonesia BSPBangkoSentralNgPilipinas BSPIBlueprintSistemPembayaranIndonesia(IndonesiaPaymentSystemBlueprint) CICCreditInformationCorporation,Philippines CISACreditInformationSystemAct,Philippines DBMDepartmentofBudgetandManagement,Philippines DICTDepartmentofInformationandCommunicationsTechnology,Philippines DTIDepartmentofTradeandIndustry,Philippines e-KTPKartuTandaPendudukElektronik(

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