{"id":3775,"date":"2024-03-06T17:16:43","date_gmt":"2024-03-06T16:16:43","guid":{"rendered":"https:\/\/scheitza-kunden.de\/efp-dev\/?p=3775"},"modified":"2024-03-11T18:08:48","modified_gmt":"2024-03-11T17:08:48","slug":"white-paper-giroapi","status":"publish","type":"post","link":"https:\/\/scheitza-kunden.de\/efp-dev\/white-paper-giroapi\/","title":{"rendered":"White Paper giroAPI"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_custom_heading text=&#8221;White Paper&#8221; font_container=&#8221;tag:h2|font_size:24|text_align:left|color:%23ffffff|line_height:40px&#8221; google_fonts=&#8221;font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1710173228190{margin-top: 6px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_custom_heading text=&#8221;DK-Initiative giroAPI&#8221; font_container=&#8221;tag:h1|font_size:32|text_align:left|color:%23195d7d|line_height:40px&#8221; google_fonts=&#8221;font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal&#8221;][vc_empty_space][vc_column_text]Mit der Einfu\u0308hrung der zweiten EU-Zahlungsdiensterichtlinie (PSD2) wurde es Drittdienstleistern erm\u00f6glicht, mit Einwilligung des Kontoinhabers Zahlungen auszul\u00f6sen und Kundeninformationen abzurufen.<\/p>\n<p>Voraussetzung fu\u0308r die Erbringung dieser Leistungen ist die Implementierung von entsprechenden Schnittstellen durch die Banken und Sparkassen. Die Mehrheit der Institute in Deutschland nutzt hierfu\u0308r die von der Berlin Group definierten API-Standards.<\/p>\n<p>Vor diesem Hintergrund m\u00f6chte die DK-Initiative \u201egiroAPI\u201c nun auf Basis des OpenFinance Framework der Berlin Group ein effizientes technisch-organisatorisches Rahmenwerk schaffen, das API-basierte Mehrwertdienste zur Marktreife fu\u0308hrt. Im ersten Schritt konzentriert sich die Initiative dabei auf die Umsetzung zahlungsverkehrsnaher API-Services.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1709741775232{margin-top: 10px !important;}&#8221;]<strong>Autor<\/strong><br \/>\nHolger Jedersberger<\/p>\n<p><strong>Stand<\/strong><br \/>\n23.11.2023[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<style type=\"text\/css\">\r\n\t\t#dae-shortcode3708-download-wrapper {\r\n\t\t\tbackground: url() !important;\r\n\t\t\tbackground-attachment: scroll !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-download-file-image {\r\n\t\t\twidth: 80% !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-download-file-image {\r\n\t\t\twidth: 40% !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-download-title {\r\n\t\t\tfont-size: 14px !important;\r\n\t\t\tfont-family: Lato, sans-serif 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{\r\n\t\t\ttop: calc(50% - 7.5px) !important;\r\n\t\t\tright: 15px !important;\r\n\t\t\tfont-size: 15px !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t\tcolor: #404042 !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-field::-webkit-input-placeholder,\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-field::placeholder {\r\n\t\t\tcolor: #888888 !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-field::-ms-input-placeholder {\r\n\t\t\tcolor: #888888 !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-checkbox-text {\r\n\t\t\tcolor: #404042 !important;\r\n\t\t\tfont-size: 12px !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-checkbox-text a {\r\n\t\t\tcolor: #f5783b !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-checkbox-text a:hover {\r\n\t\t\tcolor: #404042 !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-submit {\r\n\t\t\tcolor: #ffffff !important;\r\n\t\t\tfont-size: 14px !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t\tpadding: 14px !important;\r\n\t\t\tbackground: #f5783b !important;\r\n\t\t\tborder-radius: 10px !important;\r\n\t\t\t-moz-border-radius: 10px !important;\r\n\t\t\t-webkit-border-radius: 10px !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-submit:hover {\r\n\t\t\tcolor: #404042 !important;\r\n\t\t\tbackground: #ebebeb !important;\r\n\t\t\tfont-size: 14px !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t\tpadding: 14px !important;\r\n\t\t\tborder-radius: 10px !important;\r\n\t\t\t-moz-border-radius: 10px !important;\r\n\t\t\t-webkit-border-radius: 10px !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-loading {\r\n\t\t\tcolor: #f5783b !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-message {\r\n\t\t\tfont-size: 14px !important;\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-error {\r\n\t\t\tcolor: #dd1111 !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-success {\r\n\t\t\tcolor: #404042 !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-category-interests h4,\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-input-wrap-interest label {\r\n\t\t\tfont-family: Lato, sans-serif !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper {\r\n\t\t\talign-items: center !important;\r\n\t\t\t-webkit-align-items: center 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.dae-shortcode-register-message,\r\n\t\t#dae-shortcode3708-download-wrapper .dae-shortcode-register-category-interests-wrap {\r\n\t\t\tmargin: 20px auto !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide {\r\n\t\t\talign-items: center !important;\r\n\t\t\t-webkit-align-items: center !important;\r\n\t\t\tjustify-content: center !important;\r\n\t\t\t-webkit-justify-content: center !important;\r\n\t\t\t-moz-justify-content: center !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-download-content-wrapper,\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-download-title,\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-download-text,\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-register-wrapper p,\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-register-category-interests-wrap {\r\n\t\t\ttext-align: center !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-register-field-wrap {\r\n\t\t\tjustify-content: center !important;\r\n\t\t\t-webkit-justify-content: center !important;\r\n\t\t\t-moz-justify-content: center !important;\r\n\t\t}\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-register-label,\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-register-message,\r\n\t\t#dae-shortcode3708-download-wrapper.dae-shortcode-download-wrapper-wide .dae-shortcode-register-category-interests-wrap {\r\n\t\t\tmargin: 20px auto !important;\r\n\t\t}\r\n\t<\/style>\r\n\t\t<div id=\"dae-shortcode3708-download-wrapper\" class=\"dae-shortcode-download-wrapper\">\r\n\t\t\t\r\n\t\t\t<div class=\"dae-shortcode-download-content-wrapper\">\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"dae-shortcode-download-button\">\r\n\t\t\t\t\t<span class=\"dae-shortcode-download-button-icon\"><i class=\"fas fa-download\"><\/i><\/span>\r\n\t\t\t\t\t<span class=\"dae-shortcode-download-button-text\">Download<\/span>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"dae-shortcode-register-wrapper\">\r\n\t\t\t\t\t<p class=\"dae-shortcode-register-label\">Link senden an:<\/p>\r\n\t\t\t\t\t<form class=\"dae-shortcode-register-form\" method=\"post\" novalidate=\"novalidate\">\r\n\t\t\t\t\t\t<input type=\"hidden\" name=\"file\" value=\"EFP_Whitepaper_giroAPI.pdf\" \/>\r\n\t\t\t\t\t\t<div class=\"dae-shortcode-register-field-wrap\"><div class=\"dae-shortcode-register-icon\"><i class=\"fas fa-envelope\"><\/i><\/div><div class=\"dae-shortcode-register-input-wrap\"><input class=\"dae-shortcode-register-field\" type=\"email\" name=\"email\" placeholder=\"E-Mail-Adresse\" autocomplete=\"off\" \/><\/div><\/div>\r\n\t\t\t\t\t\t\r\n\t\t\t<p>\r\n\t\t\t\t<input class=\"dae-shortcode-register-checkbox\" type=\"checkbox\" name=\"required_checkbox\" value=\"Hiermit willige ich in die &lt;a href=&quot;https:\/\/scheitza-kunden.de\/efp-dev\/datenschutz\/&quot; target=&quot;_blank&quot;&gt;Datenschutzerkl\u00e4rung&lt;\/a&gt; ein. Insbesondere bin ich damit einverstanden, dass das Team der EFP Unternehmensberatung mich per E-Mail, auch mit werblichen Inhalten, kontaktiert. \" \/>\r\n\t\t\t\t<span class=\"dae-shortcode-register-checkbox-text\">Hiermit willige ich in die <a href=\"https:\/\/scheitza-kunden.de\/efp-dev\/datenschutz\/\" target=\"_blank\">Datenschutzerkl\u00e4rung<\/a> ein. Insbesondere bin ich damit einverstanden, dass das Team der EFP Unternehmensberatung mich per E-Mail, auch mit werblichen Inhalten, kontaktiert. <\/span>\r\n\t\t\t<\/p>\r\n\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t<p>\r\n\t\t\t\t\t\t\t<input class=\"dae-shortcode-register-submit\" type=\"submit\" value=\"Link senden\" \/>\r\n\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t\t<p class=\"dae-shortcode-register-loading\">\r\n\t\t\t\t\t\t\t<i class=\"fas fa-spinner fa-spin\"><\/i>\r\n\t\t\t\t\t\t<\/p>\r\n\t\t\t\t\t<\/form>\r\n\t\t\t\t\t<p class=\"dae-shortcode-register-message\"><\/p>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_custom_heading text=&#8221;White Paper&#8221; font_container=&#8221;tag:h2|font_size:24|text_align:left|color:%23ffffff|line_height:40px&#8221; google_fonts=&#8221;font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1710173228190{margin-top: 6px !important;}&#8221;][vc_empty_space height=&#8221;12px&#8221;][vc_custom_heading text=&#8221;DK-Initiative giroAPI&#8221; font_container=&#8221;tag:h1|font_size:32|text_align:left|color:%23195d7d|line_height:40px&#8221; google_fonts=&#8221;font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:400%20regular%3A400%3Anormal&#8221;][vc_empty_space][vc_column_text]Mit der Einfu\u0308hrung der zweiten EU-Zahlungsdiensterichtlinie (PSD2) wurde es Drittdienstleistern erm\u00f6glicht, mit Einwilligung des Kontoinhabers Zahlungen auszul\u00f6sen und Kundeninformationen abzurufen. Voraussetzung fu\u0308r die Erbringung dieser Leistungen ist die Implementierung von entsprechenden Schnittstellen durch die Banken und Sparkassen. Die Mehrheit der Institute in Deutschland nutzt hierfu\u0308r die von der &#8230; <\/p>\n<div><a href=\"https:\/\/scheitza-kunden.de\/efp-dev\/white-paper-giroapi\/\" class=\"more-link\">Read More<\/a><\/div>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,26,52,38],"tags":[],"_links":{"self":[{"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/posts\/3775"}],"collection":[{"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/comments?post=3775"}],"version-history":[{"count":10,"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/posts\/3775\/revisions"}],"predecessor-version":[{"id":3918,"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/posts\/3775\/revisions\/3918"}],"wp:attachment":[{"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/media?parent=3775"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/categories?post=3775"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scheitza-kunden.de\/efp-dev\/wp-json\/wp\/v2\/tags?post=3775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}