https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Mon, 25 May 2026 00:00:00 GMT https://www.youngju.dev/blog/culture/2026-05-25-open-banking-psd3-fida-plaid-truelayer-tink-yapily-belvo-2026-deep-dive.en https://www.youngju.dev/blog/culture/2026-05-25-open-banking-psd3-fida-plaid-truelayer-tink-yapily-belvo-2026-deep-dive.en Open Banking finally grew up in 2026. The EU is closing the PSD2 era and rolling out PSD3 + PSR (Payment Services Regulation), rewriting the AISP/PISP licensing rules, while FIDA (Financial Data Access Regulation) extends Open Banking into Open Finance. Plaid processes `$50B transactions` across the US, Canada and EU; TrueLayer leads PISP payments in the UK and EU; Tink, now a Visa subsidiary, fused with Visa Direct into a genuinely global rail. Yapily pitches headless AISP, Belvo owns LatAm, Salt Edge bets on global breadth. Finicity (Mastercard), MX and Akoya battle on top of the US FDX standard. Korea runs the KFTC Open Banking portal with 100+ APIs, and MyData licensees exceed 60. Japan is moving the Zenginkyo banking API guidelines into mandatory territory, with SMBC, MUFG and Mizuho standardising their APIs. This piece walks through standards, licences, SCA, FAPI 2.0, architecture and real code in one breath. Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) open-bankingpsd3psrfidaopen-financeplaidtruelayertink-visayapilybelvofinicity-mastercardmxakoyakr-open-bankingmydatajp-zengin-apiaisppispsca https://www.youngju.dev/blog/culture/2026-05-25-open-banking-psd3-fida-plaid-truelayer-tink-yapily-belvo-2026-deep-dive.ja https://www.youngju.dev/blog/culture/2026-05-25-open-banking-psd3-fida-plaid-truelayer-tink-yapily-belvo-2026-deep-dive.ja 2026年のオープンバンキングはついに大人になった。EUはPSD2(2018)時代を閉じ、2026年からPSD3+PSR(Payment Services Regulation)を段階施行してAISP/PISPライセンス規則を組み直し、FIDA(Financial Data Access Regulation)の通過でOpen BankingがOpen Financeへ拡張する。Plaidは米国・カナダ・EUで `$50B transactions` 規模のデータを処理し、TrueLayerはUK・EUのPISP決済を主導、Tink(Visa子会社)はVisa Directと結合して真にグローバルなインフラとなった。Yapilyはヘッドレス型AISPを掲げ、BelvoはLatAmを、Salt Edgeはグローバル網を狙う。Finicity(Mastercard)・MX・Akoyaは米国FDX標準の上で競う。韓国は金融決済院オープンバンキングAPI 100以上を運用し、マイデータ事業者は60社超。日本は全銀協(全国銀行協会)の銀行APIガイドラインが義務化段階に入り、三井住友・MUFG・みずほがAPIを標準化する。本記事は標準・ライセンス・SCA・FAPI 2.0・アーキテクチャ・実コードまでを一気に整理する。 Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) open-bankingpsd3psrfidaopen-financeplaidtruelayertink-visayapilybelvofinicity-mastercardmxakoyakr-open-bankingmydatajp-zengin-apiaisppispsca https://www.youngju.dev/blog/culture/2026-05-25-open-banking-psd3-fida-plaid-truelayer-tink-yapily-belvo-2026-deep-dive https://www.youngju.dev/blog/culture/2026-05-25-open-banking-psd3-fida-plaid-truelayer-tink-yapily-belvo-2026-deep-dive 2026년의 오픈뱅킹은 마침내 어른이 됐다. EU는 PSD2(2018) 시대를 마감하고 PSD3 + PSR(Payment Services Regulation)을 2026년부터 시행해 AISP/PISP 라이선스 규칙을 다시 짰고, FIDA(Financial Data Access Regulation)가 통과되며 Open Banking이 Open Finance로 확장된다. Plaid는 미국·캐나다·EU에서 `$50B transactions`를 처리하고, TrueLayer는 UK·EU에서 PISP 결제를 주도하며, Tink(Visa 자회사)는 Visa Direct와 합쳐 진짜 글로벌 인프라가 됐다. Yapily는 헤드리스 AISP를 표방하고, Belvo는 LatAm을, Salt Edge는 글로벌 적용 범위를 노린다. Finicity(Mastercard), MX, Akoya는 미국 FDX 표준 위에서 경쟁한다. 한국은 금융결제원 오픈뱅킹 API 100+ 종을 운영하고 마이데이터 사업자가 60+개를 넘었다. 일본은 全銀協(전국은행협회)의 銀行 API 가이드라인이 의무화되며 三井住友·MUFG·みずほ가 API를 표준화한다. 이 글은 표준·라이선스·SCA·FAPI 2.0·아키텍처·실제 코드까지 한 호흡으로 정리한다. Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) open-bankingpsd3psrfidaopen-financeplaidtruelayertink-visayapilybelvofinicity-mastercardmxakoyakr-open-bankingmydatajp-zengin-apiaisppispsca