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Payments & FinTech Lawyer

Open Banking in Japan

Amendments to Japanís Banking Act in 2016 and 2017 have enabled banks to form or acquire FinTech companies and, in order to promote collaboration between banks and FinTech companies or subsidiaries, also imposed an obligation on banks to make efforts to open up their application programming interfaces (ĎAPIsí). It is expected that, through subsidiaries jointly funded by banks and FinTech companies, or through collaboration with FinTech companies that are external third parties, these changes will help to advance Open Banking in Japan. Naoki Kanehisa and Kenichi Tanizaki of Atsumi & Sakai, provide details on the impact of the amendments to Japanís Banking Act and the development of Open Banking in the country.

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