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Data portability under the GDPR: why the push for open banking implementation may help compliance

The European General Data Protection Regulation (‘GDPR’) introduces a new right of data portability for EU citizens, giving individuals the power to obtain a copy of their personal data from data controllers in a ‘structured, commonly used and machine readable format.’ Here, David Futter and Gita Shivarattan of Ashurst LLP explore some of the challenges that banks and payment service providers (‘PSPs’) must address in respect of data portability in light of the Article 29 Working Party guidelines on the matter, and consider how the parallel push to implement open banking and PSD2 across financial services may help banks and PSPs achieve data portability compliance.

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