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Schufa would like to know how solid, financially reliable we are and is always looking for new ways. Now he would like to take a look at the accounts, which has sparked a lot of public outcry. A test of the so-called “CheckNow procedure”, which the cell phone company Telefónica / O2 had carried out with the Schufa, was quickly stopped. However, our curious service accounts are not completely sealed.
We may allow third party service providers to access our account through dedicated open banking interfaces. There is a clear legal framework for this. If this is respected, you can read our reservations, for example to check our creditworthiness or to initiate transactions on our behalf. The latter happens, among other things, when we buy something online and then use a third-party service provider to take care of the payment process for us. This has been anchored in the law in Germany since the implementation of the EU’s Second Payment Services Directive (PSD2) in January 2018, just like the Open Banking APIs that banks must now provide and which have not yet worked reliably. everywhere.
What dangers lurk here? What is the legal basis for accessing the third party account and who can access it? What makes open banking possible in general? What APIs are used and for what? What is the “License as a Service” model in which other actors are involved? Which third party service providers would like to know a lot, which rather little? What should consumers pay particular attention to?
These and many other questions – including those from the audience – are discussed by Martin Holland (@fingolas) and Kristina Beer (@bee_k_bee) with Markus Montz (@Speichenschreck) from c’t in a new episode of the #heiseshow.
Thursday. 12 o’clock. Live. heise online talks to guests about current technical developments and network policy. Using tweets with the hashtag #heiseshow you can join the discussion before, during and after the broadcast. The #heiseshow is there …
Alternatively, the stream is also streamed on Twitch.tv/heiseonline.
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Questions to moderators and guests can be asked during the broadcast in YouTube chat, our Twitch channel (twitch.tv/heiseonline), via email, the heise forum, on Facebook or on Twitter (hashtag #heiseshow).
We take note of any questions and comments that are not sent to us during the live broadcast. We try to include it in the current program. Suggestions for topics for the next issue are also welcome at any time between programs.
Live every week
The #heiseshow is streamed live on heise online every Thursday at 12 noon The moderation team consisting of Kristina Beer (@bee_k_bee), Martin Holland (@fingolas) and Jürgen Kuri (@jkuri) alternately leads the talk show, lasting about 30 minutes, in which current developments are discussed with colleagues and other guests.
After the live broadcast, the program is also available for viewing and listening.
Episodes can be listened to or watched in SD (360p) or HD (720p). You can also find links to RSS feeds in the dossier box opposite.
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