{"id":16395,"date":"2026-02-26T10:32:52","date_gmt":"2026-02-26T09:32:52","guid":{"rendered":"https:\/\/vapa.ch\/?p=16395"},"modified":"2026-02-15T11:27:59","modified_gmt":"2026-02-15T10:27:59","slug":"verordnung-uber-den-zugang-zu-finanzdaten-fida-vermogensverwaltung","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/financial-data-access-regulation-fida-wealth-management\/","title":{"rendered":"FiDA und die lange Datenfrustration"},"content":{"rendered":"<p>Unabh\u00e4ngige Verm\u00f6gensverwalter sind seit langem mit dem gleichen strukturellen Problem konfrontiert: unzuverl\u00e4ssige, unvollst\u00e4ndige und langsame Datenschnittstellen mit Depotbanken. Die Best\u00e4nde kommen in unterschiedlichen Formaten an. Kapitalma\u00dfnahmen m\u00fcssen manuell interpretiert werden. Den Transaktionsdaten fehlt es an Konsistenz. Zwar gibt es in der Theorie brauchbare APIs, aber nur selten im t\u00e4glichen Betrieb.<\/p>\n\n\n\n<p>Diese L\u00fccke erkl\u00e4rt, warum sich eine ganze Parallelindustrie entwickelt hat. Anstelle von sauberen Schnittstellen verlassen sich viele Portfoliomanagementsysteme immer noch auf lesbare PDFs. Ausz\u00fcge werden extrahiert, interpretiert und in Datenstrukturen umgewandelt, die eigentlich direkt von den Depotbanken stammen sollten. Das funktioniert, aber es ist ineffizient und anf\u00e4llig.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-data-access-regulation-fida-and-open-finance\">Verordnung \u00fcber den Zugang zu Finanzdaten (FiDA) und Open Finance<\/h2>\n\n\n\n<p>Die Verordnung \u00fcber den Zugang zu Finanzdaten (Financial Data Access Regulation, FiDA) ist ein EU-Vorschlag, der Open Banking auf Open Finance ausweiten soll. Im Gegensatz zur PSD2, die sich in erster Linie auf Zahlungskonten konzentrierte, befasst sich FiDA ausdr\u00fccklich mit breiteren Finanzdatenkategorien, einschlie\u00dflich Anlageprodukten und Finanzinstrumenten - vorbehaltlich der Zustimmung des Kunden und definierter Zugangsregeln.<\/p>\n\n\n\n<p>Zu den strukturellen Unterschieden zwischen den traditionellen Bankmodellen und der sich entwickelnden Infrastruktur, siehe <a href=\"https:\/\/vapa.ch\/de\/offene-architektur-bedeutet-vermogensverwaltung\/\">offene Architektur in der Verm\u00f6gensverwaltung<\/a>.<\/p>\n\n\n\n<p>Wird die FiDA die Schnittstellen zu den Verwahrstellen sofort festlegen? Nein. Es bleibt ein Vorschlag. Selbst wenn er angenommen ist, werden sich die Umsetzungsfristen verl\u00e4ngern. Das tats\u00e4chliche Ergebnis wird davon abh\u00e4ngen, wie die Datenkategorien definiert werden, welche technischen Standards gew\u00e4hlt werden und wie konsequent sich die Institute daran halten.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-from-operational-detail-to-infrastructure-question\">Vom operationellen Detail zur Infrastrukturfrage<\/h2>\n\n\n\n<p>Mit der Verordnung \u00fcber den Zugang zu Finanzdaten (FiDA) \u00e4ndert sich jedoch etwas Grundlegendes. Sie erkennt auf regulatorischer Ebene an, dass der Zugang zu Anlagedaten eine Infrastrukturfrage und nicht nur ein operatives Detail ist.<\/p>\n\n\n\n<p>Dieser Wandel steht im Einklang mit der allgemeinen Diskussion \u00fcber <a href=\"https:\/\/vapa.ch\/de\/transaktionsverarbeitende-banken-fur-eams\/\">Abwicklungsbanken f\u00fcr unabh\u00e4ngige Verm\u00f6gensverwalter<\/a> und die strukturelle Entwicklung des Sektors.<\/p>\n\n\n\n<p>APIs sind nicht l\u00e4nger optionale Dienstmerkmale. Sie r\u00fccken allm\u00e4hlich n\u00e4her an die erwartete Marktinfrastruktur heran. Dies spiegelt die Entwicklungen wider, die in <a href=\"https:\/\/vapa.ch\/de\/wealthtech-ai-unabhangige-vermogensverwaltung-schweiz\/\">WealthTech und KI in der unabh\u00e4ngigen Verm\u00f6gensverwaltung<\/a>, wo die Datenqualit\u00e4t die Wettbewerbsf\u00e4higkeit bestimmt.<\/p>\n\n\n\n<p>F\u00fcr unabh\u00e4ngige Verm\u00f6gensverwalter ist die Verordnung \u00fcber den Zugang zu Finanzdaten (FiDA) kein Versprechen auf sofortige Erleichterung. Aber anders als die PSD2 geht sie das Problem der Anlagedaten, mit dem wir t\u00e4glich konfrontiert sind, direkt an.<\/p>\n\n\n\n<p>Die Umstellung von dokumentenbasierten Prozessen auf zuverl\u00e4ssige, strukturierte Daten wird Zeit brauchen. Doch zum ersten Mal scheint die regulatorische Richtung mit der betrieblichen Realit\u00e4t \u00fcbereinzustimmen.<\/p>\n<div style=\"display:flex; gap:10px;justify-content:\" class=\"wps-pgfw-pdf-generate-icon__wrapper-frontend\">\n\t\t<a  href=\"https:\/\/vapa.ch\/de\/wp-json\/wp\/v2\/posts\/16395?action=genpdf&amp;id=16395\" class=\"pgfw-single-pdf-download-button\" target=\"_blank\"><img src=\"https:\/\/vapa.ch\/wp-content\/uploads\/2024\/11\/pdf-svgrepo-com.svg\" title=\"PDF generieren\" style=\"width:auto; height:45px;\"><\/a>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Independent wealth managers have long faced the same structural problem: unreliable, incomplete and slow data interfaces with custodian banks. Holdings arrive in different formats. Corporate actions require manual interpretation. Transaction data lacks consistency. True, usable APIs exist in theory, but rarely in daily operations. This gap explains why an entire parallel industry has emerged. Instead of clean interfaces, many portfolio management systems still rely on readable PDFs. Statements are extracted, interpreted and rebuilt into data structures that should have come directly from custodians. It works, but it is inefficient and fragile. Financial Data Access Regulation (FiDA) and Open Finance The Financial Data Access Regulation (FiDA) is an EU proposal designed to extend Open Banking towards Open Finance. Unlike PSD2, which focused primarily on payment accounts, FiDA explicitly addresses broader financial data categories, including investment products and financial instruments \u2014 subject to client consent and defined access rules. For context on the structural differences between traditional banking models and evolving infrastructure, see open architecture in wealth management. Will FiDA immediately fix custodian interfaces? No. It remains a proposal. Even once adopted, implementation timelines will be extended. The real outcome will depend on how data categories are defined, which technical standards are &hellip;<\/p>","protected":false},"author":1,"featured_media":16396,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_122096905244470929_329580246915571":"","twitter_1821932287224696832_1821932287224696832":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_uag_custom_page_level_css":"","footnotes":""},"categories":[93],"tags":[36,231,99,133,281,123,84,42],"class_list":["post-16395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulations","tag-banks","tag-financial-services","tag-independent-wealth-management","tag-open-architecture","tag-regulations","tag-regulatory-framework","tag-technology","tag-wealth-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Financial Data Access Regulation (FiDA) | independent wealth management<\/title>\n<meta name=\"description\" content=\"Financial Data Access Regulation (FiDA) addresses investment data access and custodian interface gaps. 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Holdings arrive in different formats. Corporate actions require manual interpretation. Transaction data lacks consistency. True, usable APIs exist in theory, but rarely in daily operations. This gap explains why an entire parallel industry has emerged. 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