{"id":16395,"date":"2026-02-26T10:32:52","date_gmt":"2026-02-26T09:32:52","guid":{"rendered":"https:\/\/vapa.ch\/?p=16395"},"modified":"2026-11-02T18:47:35","modified_gmt":"2026-11-02T17:47:35","slug":"financial-data-access-regulation-fida-wealth-management","status":"publish","type":"post","link":"https:\/\/vapa.ch\/de\/verordnung-uber-den-zugang-zu-finanzdaten-fida-vermogensverwaltung\/","title":{"rendered":"FiDA und die lange Datenfrustration"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Unabh\u00e4ngige Verm\u00f6gensverwalter k\u00e4mpfen seit Langem mit demselben strukturellen Problem: unzuverl\u00e4ssige, unvollst\u00e4ndige und langsame Datenschnittstellen zu Depotbanken. Best\u00e4nde treffen in unterschiedlichen Formaten ein. Kapitalmassnahmen m\u00fcssen manuell interpretiert werden. Den Transaktionsdaten fehlt es an Konsistenz. Wirklich nutzbare APIs gibt es zwar in der Theorie, im Tagesgesch\u00e4ft aber selten.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dieser Unterschied erkl\u00e4rt, warum eine ganze parallele Branche entstanden ist. Anstatt saubere Schnittstellen zu bieten, verlassen sich viele Portfoliomanagementsysteme weiterhin auf lesbare PDFs. Aussagen werden extrahiert, interpretiert und in Datenstrukturen umgewandelt, die direkt von den Inhabern stammen sollten. Das funktioniert zwar, ist aber ineffizient und zerbrechlich. Wo die Daten gespeichert werden sollen, ist eine Frage der eigenen Pr\u00e4ferenzen: <a href=\"https:\/\/vapa.ch\/de\/vermogensverwaltungs-daten-hub\/\">Das Wealth Management Data Hub<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-financial-data-access-regulation-fida-and-open-finance\">Financial Data Access Regulation (FiDA) und Open Finance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Die Financial Data Access Regulation (FiDA) ist ein EU-Vorschlag, der Open Banking zu Open Finance erweitern soll. Anders als die PSD2, die sich vor allem auf Zahlungskonten konzentrierte, erfasst die FiDA ausdr\u00fccklich breitere Kategorien von Finanzdaten, darunter Anlageprodukte und Finanzinstrumente \u2013 vorbehaltlich der Zustimmung des Kunden und festgelegter Zugangsregeln.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zu den strukturellen Unterschieden zwischen traditionellen Bankmodellen und sich wandelnder 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 class=\"wp-block-paragraph\">Wird die FiDA die Schnittstellen zu den Depotbanken sofort in Ordnung bringen? Nein. Sie ist nach wie vor ein Vorschlag. Selbst nach ihrer Verabschiedung werden sich die Umsetzungsfristen in die L\u00e4nge ziehen. Das tats\u00e4chliche Ergebnis h\u00e4ngt davon ab, 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 operativen Detail zur Infrastrukturfrage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Die Finanzdatenzugangsverordnung (FiDA) ver\u00e4ndert jedoch etwas Grundlegendes. Sie erkennt auf regulatorischer Ebene an, dass der Zugang zu Investitionsdaten eine Infrastrukturfrage ist und nicht nur eine betriebliche Angelegenheit ist. Ein umfassenderer Datenaustausch hat sowohl Vorteile als auch Nachteile, wie jeder, der sich die Zeit genommen hat, <a href=\"https:\/\/vapa.ch\/de\/anforderungen-an-die-offenlegung-der-daten-von-fuhrungskraften\/\">Wie viel personenbezogene Daten \u00fcber Unternehmensf\u00fchrungskr\u00e4fte bereits \u00f6ffentlich zug\u00e4nglich sind<\/a> wird erkennen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dieser Wandel passt zu \u00fcbergeordneten Diskussionen \u00fcber <a href=\"https:\/\/vapa.ch\/de\/transaktionsverarbeitende-banken-fur-eams\/\">Abwicklungsbanken f\u00fcr unabh\u00e4ngige Verm\u00f6gensverwalter<\/a> und die strukturelle Entwicklung der Branche.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">APIs sind nicht l\u00e4nger optionale Servicemerkmale. Sie entwickeln sich allm\u00e4hlich zu einer erwarteten Marktinfrastruktur. Das spiegelt Entwicklungen wider, wie sie im Beitrag \u00fcber <a href=\"https:\/\/vapa.ch\/de\/wealthtech-ai-unabhangige-vermogensverwaltung-schweiz\/\">WealthTech und KI in der unabh\u00e4ngigen Verm\u00f6gensverwaltung<\/a>\u00a0beschrieben werden, wo die Datenqualit\u00e4t \u00fcber die Wettbewerbsf\u00e4higkeit entscheidet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00fcr unabh\u00e4ngige Verm\u00f6gensverwalter ist die Financial Data Access Regulation (FiDA) kein Versprechen auf sofortige Entlastung. Doch anders als die PSD2 geht sie das Anlagedatenproblem, mit dem wir t\u00e4glich konfrontiert sind, direkt an.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Der Wechsel von dokumentbasierten Prozessen zu zuverl\u00e4ssigen, strukturierten Daten wird Zeit brauchen. Doch zum ersten Mal scheint die regulatorische Stossrichtung mit der operativen Realit\u00e4t \u00fcbereinzustimmen.<\/p>","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 [&hellip;]<\/p>\n","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","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 v28.7 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>FiDA Regulation Explained | 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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