Open Finance Act: Digital Loans sa Colleges Target ng Batas by 2027
Itinutulak ni Tingog Party-list Representative Jude Acidre ang batas na magbubukas ng access sa digital financial services para sa college students at faculty through consent-driven data sharing.
Key Takeaway
Mandated na ang Open Finance compliance ng Pilipinas by 2027 para palawakin ang credit access ng mga estudyanteng walang traditional bank records.
Itinutulak ni Tingog Party-list Representative Jude Acidre ang Philippine Open Finance Act para masira ang structural barriers sa edukasyon. Financial inclusion is educational inclusion, sabi niya, kasi ang pagbigay ng fair access sa digital financial platforms sa academic communities ay tumutulong sa students na walang traditional banking history.
Bibigyan ng batas ang mga estudyante ng access sa educational loans, micro-savings accounts, at digital wallets through consent-driven data sharing. Makakakuha naman ng improved credit access ang academic staff para sa professional development. Pwede ring i-streamline ng state universities ang payroll management at scholarship distribution under the framework.
Nag-rollout na ang Bangko Sentral ng Pilipinas ng Open Finance framework nito effective January 1, 2025. Ang financial institutions ay may hanggang January 1, 2027 para maabot ang full compliance. Saklaw ng BSP system ang banks at e-money issuers, with plans to expand sa insurance providers.
Tumatakbo na ang voluntary Philippine Open Finance Pilot as collaborative effort ng financial institutions na nag-test ng API technologies. Nag-establish ang BSP ng working groups para sa standards development at gumawa ng Open Finance Advisory Board na nakikipag-coordinate sa banking and financial sector forums, ina-align ang initiative sa proposed e-Governance Act, ang National Strategy for Financial Inclusion, at ang Philippine Development Plan 2023-2028.
Ang artikulong ito ay isinulat batay sa ulat mula sa Fintechnews.
