{"id":22223,"date":"2026-03-04T09:49:30","date_gmt":"2026-03-04T07:49:30","guid":{"rendered":"https:\/\/www.graniittiservices.fi\/?p=22223"},"modified":"2026-06-10T12:03:16","modified_gmt":"2026-06-10T09:03:16","slug":"fida-competitive-advantage-with-open-finance","status":"publish","type":"post","link":"https:\/\/www.graniittiservices.fi\/en\/fida-competitive-advantage-with-open-finance\/","title":{"rendered":"FiDA: A new era in finance \u2013 Data as a competitive advantage with Open Finance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22223\" class=\"elementor elementor-22223\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd200cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd200cd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-88489c2\" data-id=\"88489c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26c93ae elementor-invisible elementor-widget elementor-widget-button\" data-id=\"26c93ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:&quot;200&quot;,&quot;_animation_mobile&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/www.graniittiservices.fi\/ajankohtaista\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"256px\" height=\"256px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><g id=\"icomoon-ignore\"> <\/g><path d=\"M12.792 15.233l-0.754 0.754 6.035 6.035 0.754-0.754-5.281-5.281 5.256-5.256-0.754-0.754-3.013 3.013z\" fill=\"#000000\"> <\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Blogi<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6767e5 elementor-widget elementor-widget-heading\" data-id=\"f6767e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FiDA: Finanssialan uusi aikakausi \u2013 Datasta kilpailuetua Open Financen my\u00f6t\u00e4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a2fc31 elementor-align-left elementor-widget elementor-widget-post-info\" data-id=\"1a2fc31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-4923c75 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Tieto &amp; n\u00e4kemys<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-00295f0 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>04.03.2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29728f0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"29728f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa88f9e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa88f9e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8a8de2\" data-id=\"b8a8de2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-04804cb elementor-widget elementor-widget-heading\" data-id=\"04804cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Euroopan unionin Financial Data Access-s\u00e4\u00e4ntely, FiDA olisi mahdollisesti merkitt\u00e4v\u00e4 askel kohti laajaa Open Finance-markkinaa. S\u00e4\u00e4ntely velvoittaa finanssialan toimijat avaamaan dataansa, mik\u00e4 mahdollistaa tiedon vapaan liikkumisen. Samalla se antaa etunojan toimijoille, jotka rakentavat datasta uutta ja asiakasl\u00e4ht\u00f6ist\u00e4 liiketoimintaa.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fc1f6d elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5fc1f6d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-24a3d38\" data-id=\"24a3d38\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-04911c9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"04911c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Siin\u00e4 miss\u00e4 PSD2 (Payment Service Directive) avasi maksutilidatan ja loi perustan open banking-kehitykselle, FiDA laajentaa saman periaatteen koko finanssisektoriin. Tavoitteena on siirt\u00e4\u00e4 datan hallinta aidosti asiakkaalle ja mahdollistaa finanssidatan liikkuminen turvallisesti toimijalta toiselle asiakkaan luvalla.<\/p><p style=\"font-weight: 400;\">K\u00e4yt\u00e4nn\u00f6ss\u00e4 FiDA kattaa datan\u00e4k\u00f6kulmasta luottodatan, sijoitusdatan, vakuutukset sek\u00e4 el\u00e4ketuotteet ja se perustuu luvanvaraisuuteen. Jos asiakas pyyt\u00e4\u00e4 tietojensa jakamista, rahoituslaitoksella ei ole harkintavaltaa tiedon luovuttamatta j\u00e4tt\u00e4miseen. Datan jakamisesta tulee n\u00e4in ollen velvoittavaa, kun suostumus on annettu asianmukaisesti.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0310096 elementor-widget elementor-widget-image\" data-id=\"0310096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/03\/FiDA-Finanssialan-uusi-aikakausi-\u2013-Datasta-kilpailuetua-Open-Financen-myota.jpg\" class=\"attachment-large size-large wp-image-22373\" alt=\"FiDA: Finanssialan uusi aikakausi \u2013 Datasta kilpailuetua Open Financen my\u00f6t\u00e4\" srcset=\"https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/03\/FiDA-Finanssialan-uusi-aikakausi-\u2013-Datasta-kilpailuetua-Open-Financen-myota.jpg 1920w, https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/03\/FiDA-Finanssialan-uusi-aikakausi-\u2013-Datasta-kilpailuetua-Open-Financen-myota-18x10.jpg 18w, https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/03\/FiDA-Finanssialan-uusi-aikakausi-\u2013-Datasta-kilpailuetua-Open-Financen-myota-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-058a282 elementor-widget elementor-widget-spacer\" data-id=\"058a282\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-ece7444 e-flex e-con-boxed e-con e-parent\" data-id=\"ece7444\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03a0439 elementor-widget elementor-widget-heading\" data-id=\"03a0439\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">S\u00e4\u00e4ntelykehys ja yhteys muuhun EU-lains\u00e4\u00e4d\u00e4nt\u00f6\u00f6n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f24bd39 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f24bd39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">FiDA toimii finanssisektorin erityiss\u00e4\u00e4ntelyn\u00e4 suhteessa\u00a0Data Act-s\u00e4\u00e4ntelyyn ja t\u00e4ydent\u00e4\u00e4 sit\u00e4 toimialakohtaisilla velvoitteilla. Sen toteutus kytkeytyy tiiviisti kahteen muuhun keskeiseen EU-asetukseen:\u00a0<\/p><ul><li data-path-to-node=\"10,0,0\"><b data-path-to-node=\"10,0,0\" data-index-in-node=\"0\">GDPR (General Data Protection Regulation):<\/b> M\u00e4\u00e4ritt\u00e4\u00e4 henkil\u00f6tietojen k\u00e4sittelyn periaatteet, kuten k\u00e4ytt\u00f6tarkoitussidonnaisuuden ja antaa kehyksen koko finanssidatan k\u00e4yt\u00f6lle.<\/li><li data-path-to-node=\"10,1,0\"><strong>DORA (Digital Operational Resilience Act):<\/strong> Asettaa tekniset vaatimukset kyberturvallisuudelle, operatiiviselle resilienssille ja h\u00e4iri\u00f6nsietokyvylle.<\/li><\/ul><p data-path-to-node=\"11\">Ilman DORA-tason toimintavarmuutta FiDAn mukainen datan avaaminen ei ole k\u00e4yt\u00e4nn\u00f6ss\u00e4 mahdollista. DORA-s\u00e4\u00e4ntely muodostaa siis teknisen ja hallinnollisen perustan Open Finance-mallille.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa1ad3e e-flex e-con-boxed e-con e-parent\" data-id=\"aa1ad3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15a20ca elementor-widget elementor-widget-spacer\" data-id=\"15a20ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-494424b elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"494424b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd0a9e8\" data-id=\"cd0a9e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d371f6c elementor-widget elementor-widget-heading\" data-id=\"d371f6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tekninen toteutus sek\u00e4 suostumuksenhallinta<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dea593 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8dea593\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">FiDAn k\u00e4yt\u00e4nn\u00f6n toteutus perustuu standardoituihin ja yhteentoimiviin rajapintoihin. Tekninen toteutus on DORA:n my\u00f6t\u00e4 FiDA-s\u00e4\u00e4ntelyn ytimess\u00e4. Organisaatioiden on varmistettava, ett\u00e4 niiden j\u00e4rjestelm\u00e4t mahdollistavat ajantasaisen, laadullisesti yhdenmukaisen ja turvallisen datan jakamisen.<\/p><p data-path-to-node=\"14\">Keskeisimm\u00e4ksi prosessiksi nousee <b data-path-to-node=\"14\" data-index-in-node=\"34\">suostumuksenhallinta<\/b>. Asiakkaan antaman luvan on oltava:<\/p><ul><li data-path-to-node=\"15,0,0\">k\u00e4ytt\u00f6tarkoitukseen sidottu ja ajallisesti rajattu<\/li><li data-path-to-node=\"15,0,0\">helposti peruutettavissa milloin tahansa<\/li><\/ul><p style=\"font-weight: 400;\">K\u00e4yt\u00e4nn\u00f6ss\u00e4 t\u00e4m\u00e4 edellytt\u00e4\u00e4 reaaliaikaista kyvykkyytt\u00e4 hallita suostumuksia, todentaa niiden voimassaolo sek\u00e4 dokumentoida k\u00e4sittely l\u00e4pin\u00e4kyv\u00e4sti. Suostumuksen elinkaaren hallinta voisi kuvitella nousevan FiDAn yhteydess\u00e4 tekniseksi ja juridiseksi ydinprosessiksi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5ac9da elementor-widget elementor-widget-spacer\" data-id=\"f5ac9da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-395cdc6 elementor-widget elementor-widget-heading\" data-id=\"395cdc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Selke\u00e4t roolit ja vastuut: Data Holder ja Data User<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6172fe9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6172fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"18\">FiDA korostaa roolien selkeytt\u00e4:<\/p><ol><li data-path-to-node=\"19,0,0\"><b data-path-to-node=\"19,0,0\" data-index-in-node=\"0\">Data Holder:<\/b> Kuten pankki, vakuutusyhti\u00f6 tai sijoituspalveluyritys, on velvollinen luovuttamaan tiedot standardoidun rajapinnan kautta. Heid\u00e4n vastuullaan on oikeellisuus ja rajapintojen toimivuus.<\/li><li data-path-to-node=\"19,1,0\"><b data-path-to-node=\"19,1,0\" data-index-in-node=\"0\">Data User:<\/b> Esimerkiksi fintech-toimija, saa k\u00e4ytt\u00e4\u00e4 dataa vain suostumuksen mukaiseen tarkoitukseen. He vastavata tiedon lainmukaisesta ja tarkoituksenmukaisesta k\u00e4yt\u00f6st\u00e4.<\/li><\/ol><p data-path-to-node=\"20\">Lis\u00e4ksi tietosuoja ja kyberturva l\u00e4pileikkaavat koko roolien muodostaman prosessin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5f69b elementor-widget elementor-widget-spacer\" data-id=\"1c5f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d8bb19 elementor-widget elementor-widget-heading\" data-id=\"3d8bb19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Valmistautuminen on matka kohti uutta asiakaskokemusta<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1131ad9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1131ad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"3\">FiDAn virallisen voimaantulon arvioidaan ajoittuvan vuoden <b data-path-to-node=\"22\" data-index-in-node=\"59\">2026 loppuun tai 2027 alkuun<\/b>. Velvoitteet tulevat voimaan vaiheittain, ja t\u00e4ysim\u00e4\u00e4r\u00e4inen soveltaminen ulottuu arviolta vuoteen 2030 saakka. Vaikka siirtym\u00e4aikaa on, arkkitehtuuriset muutokset, datan laadun kehitt\u00e4minen ja suostumuksenhallinnan rakentaminen edellytt\u00e4v\u00e4t valmistautumista hyviss\u00e4 ajoin.<\/p><p style=\"font-weight: 400;\">Yrityksille FiDA on sek\u00e4 s\u00e4\u00e4ntelyvelvoite, ett\u00e4 strateginen mahdollisuus. Teknologisesti se edellytt\u00e4\u00e4 modernien, skaalautuvien suostumustenhallintaratkaisujen rakentamista, korkeaa tietoturvan ja toimintavarmuuden tasoa sek\u00e4 IT-arkkitehtuurin p\u00e4ivitt\u00e4mist\u00e4 vastaamaan avoimen finanssidatan vaatimuksia. Datan laadunhallinta nousee keskeiseksi kilpailutekij\u00e4ksi, sill\u00e4 jaettavan tiedon on oltava rakenteellisesti yhten\u00e4ist\u00e4 sek\u00e4 luotettavaa.<\/p><p style=\"font-weight: 400;\">Muutos ulottuu my\u00f6s asiakaskokemukseen. Asiakkaan on voitava n\u00e4hd\u00e4, mille toimijoille h\u00e4n on antanut suostumuksen, mihin tarkoitukseen ja kuinka pitk\u00e4ksi aikaa. Lis\u00e4ksi suostumuksen peruuttamisen on oltava yksinkertaista. Kyseisess\u00e4 kontekstissa l\u00e4pin\u00e4kyvyys rakentaa luottamusta, ja luottamus on Open Finance-mallin toimivuuden perusta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f485bd elementor-widget elementor-widget-spacer\" data-id=\"7f485bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62da746 elementor-widget elementor-widget-heading\" data-id=\"62da746\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uudet liiketoimintamahdollisuudet ja markkinavaikutus<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfd73cc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bfd73cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-path-to-node=\"26\">Kun data liikkuu vapaasti asiakkaan luvalla toimijalta toiselle, syntyy edellytykset t\u00e4ysin uusille palvelukokonaisuuksille ja kumppanuusmalleille. Esimerkiksi:<\/p><ul><li style=\"font-weight: 400;\">Lainahakemuksia voidaan esit\u00e4ytt\u00e4\u00e4 ja riskinarviointia tarkentaa reaaliaikaisen datan perusteella.<\/li><li style=\"font-weight: 400;\">Vakuutus- ja sijoituspalveluissa voidaan tunnistaa p\u00e4\u00e4llekk\u00e4isyyksi\u00e4 ja optimoida kokonaisuuksia asiakkaan riskiprofiilin mukaisesti.<\/li><li style=\"font-weight: 400;\">Velka- ja korko-optimointi voidaan toteuttaa proaktiivisesti.<\/li><\/ul><p style=\"font-weight: 400;\">Kilpailu ei perustu en\u00e4\u00e4 vain oman datan hallintaan. Ratkaisevaa on yhdist\u00e4\u00e4 eri l\u00e4hteist\u00e4 saatua tietoa ja tuottaa siit\u00e4 asiakkaalle oikea-aikaista ja relevanttia arvoa. T\u00e4m\u00e4 tarkoittaa sit\u00e4, ett\u00e4 my\u00f6s hinnoittelumallit voivat muuttua, kun lis\u00e4arvopalvelut rakentuvat datan analysoinnin ja yhdistelyn varaan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad81f1a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad81f1a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5e2f4ef\" data-id=\"5e2f4ef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8371a98 elementor-widget elementor-widget-heading\" data-id=\"8371a98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Strateginen asettuminen Open Finance-ekosysteemiss\u00e4<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36525e8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"36525e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Finanssialan toimijan on arvioitava asemansa uudessa Open Finance-ekosysteemiss\u00e4. On mahdollista keskitty\u00e4 minimivaatimusten t\u00e4ytt\u00e4miseen ja toteuttaa vain pakolliset rajapinnat sek\u00e4 suostumuksenhallinta, mutta vaihtoehtoisesti yritys voi my\u00f6s ottaa aktiivisen roolin FiDAn hy\u00f6dynt\u00e4j\u00e4n\u00e4 ja k\u00e4ytt\u00e4\u00e4 avautuvaa dataa uusien palvelujen, alustojen sek\u00e4 kumppanuuksien rakentamiseen.<\/p><p style=\"font-weight: 400;\">FiDA on merkitt\u00e4v\u00e4 rakenteellinen muutos, jossa datan hallinta siirtyy asiakkaalle. Kilpailuetu syntyy kyvyst\u00e4 yhdist\u00e4\u00e4 luotettava datan hallinta ja korkea operatiivinen resilienssi innovatiiviseen palvelukehitykseen.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bb0325e elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb0325e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2035141\" data-id=\"2035141\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-30625cb elementor-section-content-middle elementor-section-height-min-height elementor-section-boxed elementor-section-height-default\" data-id=\"30625cb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-20a66ac\" data-id=\"20a66ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66ab539 elementor-widget elementor-widget-heading\" data-id=\"66ab539\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0.5&quot;,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;50&quot;}},&quot;motion_fx_opacity_effect&quot;:&quot;yes&quot;,&quot;motion_fx_opacity_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;50&quot;}},&quot;motion_fx_opacity_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_opacity_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jaa julkaisu<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b8a87cf\" data-id=\"b8a87cf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c00014 elementor-widget elementor-widget-elementskit-social-share\" data-id=\"8c00014\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-social-share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"ekit_socialshare\">\n                            <li class=\"elementor-repeater-item-61bd950\" data-social=\"linkedin\">\n                                        <div class=\"linkedin\">\n                                        <button type=\"button\" aria-label=\"Share on Linkedin\">\n                        \n                        <i aria-hidden=\"true\" class=\"icon icon-linkedin\"><\/i>                        \n                                                                                            <\/button>\n                    <\/div>\n                <\/li>\n                                            <li class=\"elementor-repeater-item-75354da\" data-social=\"facebook\">\n                                        <div class=\"facebook\">\n                                        <button type=\"button\" aria-label=\"Share on Facebook\">\n                        \n                        <i aria-hidden=\"true\" class=\"icon icon-facebook\"><\/i>                        \n                                                                                            <\/button>\n                    <\/div>\n                <\/li>\n                                            <li class=\"elementor-repeater-item-efe514c\" data-social=\"twitter\">\n                                        <div class=\"twitter\">\n                                        <button type=\"button\" aria-label=\"Share on Twitter\">\n                        \n                        <i aria-hidden=\"true\" class=\"icon icon-x-twitter\"><\/i>                        \n                                                                                            <\/button>\n                    <\/div>\n                <\/li>\n                                    <\/ul>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c8393f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5c8393f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aad4e54 elementor-widget elementor-widget-heading\" data-id=\"aad4e54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;0.5&quot;,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;50&quot;}},&quot;motion_fx_opacity_effect&quot;:&quot;yes&quot;,&quot;motion_fx_opacity_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:&quot;0&quot;,&quot;end&quot;:&quot;50&quot;}},&quot;motion_fx_opacity_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_opacity_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lis\u00e4\u00e4 n\u00e4kemyksi\u00e4mme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-95e6bfb e-flex e-con-boxed e-con e-parent\" data-id=\"95e6bfb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3115989 elementor-posts__hover-none elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"3115989\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24831 post type-post status-publish format-standard has-post-thumbnail hentry category-tieto-ja-nakemys\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.graniittiservices.fi\/en\/varautuminen-hairiotilanteisiin-on-osa-yhteiskunnan-kriisinkestavyytta\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/08\/IT-hairioista-palautuminen-scaled.jpg\" class=\"attachment-medium size-medium wp-image-25005\" alt=\"\" srcset=\"https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/08\/IT-hairioista-palautuminen-scaled.jpg 2560w, https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/08\/IT-hairioista-palautuminen-768x512.jpg 768w, https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/08\/IT-hairioista-palautuminen-1536x1024.jpg 1536w, https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/08\/IT-hairioista-palautuminen-2048x1365.jpg 2048w, https:\/\/www.graniittiservices.fi\/wp-content\/uploads\/2026\/08\/IT-hairioista-palautuminen-18x12.jpg 18w\" 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