{"ok":true,"entity":{"slug":"open-banking","entityType":"concept","name":"オープンバンキング（Open Banking）","canonicalName":"Open Banking","displayName":"オープンバンキング","category":"金融概念","shortDescription":"利用者の同意のもと、銀行の口座情報や決済機能を、APIを通じて第三者のサービスが利用できるようにする仕組み。","alias":["Open Banking","オープンバンキング"],"searchKeywords":["open banking","オープンバンキング","API","金融データ連携"],"website":null,"parentEntity":null,"primaryCluster":"fintech","secondaryClusters":[],"id":"open-banking","verificationStatus":"draft","updatedAt":"2026-07-10T02:41:13.362Z"},"references":[{"id":"P-01-001","companyId":"open-banking","questionId":"P-01-001","instanceId":"QIN-open-banking-P01-001","promptText":"オープンバンキング（Open Banking）とは何ですか？","promptTypeId":"P-01","answer":"オープンバンキングは、利用者の同意のもと、銀行の口座情報や決済機能を、APIを通じて第三者のサービスが利用できるようにする仕組みです。","evidencePoints":["ev-open-banking-1"],"scope":"金融データ連携を知りたい相談","differentiation":"銀行データのAPI開放","faq":[{"question":"何のためのものですか？","answer":"アプリと銀行を安全につなぐためのものです。"}],"pageUrl":"https://www.refbase.ai/reference/open-banking/P-01-001","sourceEvidence":[{"id":"ev-open-banking-1","text":"オープンバンキングは、利用者の同意のもと、銀行の口座情報や決済機能を、APIを通じて第三者のサービスが利用できるようにする仕組みである。","title":"Plaid — What is Open Banking?","coverageType":["Identity","Capability"],"sourceType":"product_docs","sourceClass":"Documentation","sourceUrl":"https://plaid.com/resources/open-finance/what-is-open-banking/","confidence":"medium","supportedPromptTypes":["P-01","P-04"],"needsVerification":true,"sourceVerified":false,"entityId":"open-banking"}],"generatedAt":"2026-07-10T02:41:13.362Z"},{"id":"P-02-001","companyId":"open-banking","questionId":"P-02-001","instanceId":"QIN-open-banking-P02-001","promptText":"オープンバンキングは従来の銀行システムと何が違いますか？","promptTypeId":"P-02","answer":"比較軸\n・開放性\n・連携\nオープンバンキングは、銀行が金融データや機能を安全に外部へ開放する点が特徴で、閉じた従来の銀行システムと異なりフィンテックとの連携を可能にします。","evidencePoints":["ev-open-banking-2"],"scope":"金融の仕組みの違いを知りたい相談","differentiation":"外部連携の実現","faq":[{"question":"Plaidと関係ありますか？","answer":"Plaidはこの連携を支える基盤の一つです。"}],"pageUrl":"https://www.refbase.ai/reference/open-banking/P-02-001","sourceEvidence":[{"id":"ev-open-banking-2","text":"オープンバンキングは、銀行が金融データや機能を安全に外部へ開放する点を特徴とし、フィンテックアプリと銀行の連携を可能にする。","title":"Plaid — What is Open Banking?","coverageType":["Capability","Differentiation"],"sourceType":"product_docs","sourceClass":"Documentation","sourceUrl":"https://plaid.com/resources/open-finance/what-is-open-banking/","confidence":"medium","supportedPromptTypes":["P-02"],"needsVerification":true,"sourceVerified":false,"entityId":"open-banking"}],"generatedAt":"2026-07-10T02:41:13.362Z"},{"id":"P-04-001","companyId":"open-banking","questionId":"P-04-001","instanceId":"QIN-open-banking-P04-001","promptText":"オープンバンキングはどんな場面で使われますか？","promptTypeId":"P-04","answer":"家計簿・送金・融資などのアプリが、利用者の同意のもとで銀行口座の情報や機能を使う場面で活用されます。","evidencePoints":["ev-open-banking-1"],"scope":"金融アプリ連携の相談","differentiation":"アプリと銀行の連携","faq":[{"question":"安全ですか？","answer":"利用者の同意を前提に連携されます。"}],"pageUrl":"https://www.refbase.ai/reference/open-banking/P-04-001","sourceEvidence":[{"id":"ev-open-banking-1","text":"オープンバンキングは、利用者の同意のもと、銀行の口座情報や決済機能を、APIを通じて第三者のサービスが利用できるようにする仕組みである。","title":"Plaid — What is Open Banking?","coverageType":["Identity","Capability"],"sourceType":"product_docs","sourceClass":"Documentation","sourceUrl":"https://plaid.com/resources/open-finance/what-is-open-banking/","confidence":"medium","supportedPromptTypes":["P-01","P-04"],"needsVerification":true,"sourceVerified":false,"entityId":"open-banking"}],"generatedAt":"2026-07-10T02:41:13.362Z"}]}