Map insurance, pensions, mortgage, and investment data categories into FIDA scope obligations with phased implementation timelines. Know exactly which of your data types fall in Phase 1 (2026), Phase 2 (2027), or Phase 3 (2028), the standardisation body responsible, required APIs, and readiness gaps.
Payment accounts, savings accounts, consumer credit. EBA technical standards. Builds on PSD2/PSD3 foundation. Most firms with existing open banking APIs will have partial readiness.
Investment portfolios, mortgage data, crypto-asset accounts. ESMA (investment/crypto) and EBA (mortgage) technical standards. New API build required for most firms.
Insurance products and occupational/personal pensions. EIOPA standards. Highest data sensitivity — elevated consent and security obligations. Longest build timeline.
| Data Type | FIDA Scope | Article | Phase | Target Date | Standardisation Body | API Required |
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