{"id":47978,"date":"2025-09-23T09:01:12","date_gmt":"2025-09-23T07:01:12","guid":{"rendered":"https:\/\/www.investglass.com\/?p=47978"},"modified":"2025-09-21T16:02:49","modified_gmt":"2025-09-21T14:02:49","slug":"%e5%bc%80%e6%94%be%e9%93%b6%e8%a1%8c%e7%9a%84%e5%a5%bd%e5%a4%84","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/benefits-of-open-banking\/","title":{"rendered":"\u5f00\u653e\u94f6\u884c\u4e1a\u52a1\u6709\u54ea\u4e9b\u4f18\u52bf\uff1fInvestGlass \u548c Kleber \u94f6\u884c\u7684\u5f00\u6e90\u65b9\u6cd5"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u94f6\u884c\u4e1a\u6b63\u5904\u4e8e\u4e00\u4e2a\u5173\u952e\u65f6\u523b\uff0c\u6280\u672f\u3001\u76d1\u7ba1\u548c\u5ba2\u6237\u671f\u671b\u6b63\u5728\u8fc5\u901f\u6c47\u805a\u3002\u90a3\u4e9b\u80fd\u591f\u5feb\u901f\u9002\u5e94\u800c\u4e0d\u727a\u7272\u4fe1\u4efb\u7684\u673a\u6784\u5c06\u84ec\u52c3\u53d1\u5c55\u3002\u5f00\u653e\u94f6\u884c\u5df2\u7ecf\u91cd\u5851\u4e86\u91d1\u878d\u6570\u636e\u7684\u6d41\u52a8\u65b9\u5f0f\uff0c\u4f7f\u5ba2\u6237\u80fd\u591f\u5b89\u5168\u5730\u6388\u4e88\u7b2c\u4e09\u65b9\u670d\u52a1\u8bbf\u95ee\u6743\u9650\uff0c\u5e76\u4fc3\u4f7f\u94f6\u884c\u91cd\u65b0\u6784\u60f3\u5b83\u4eec\u5982\u4f55\u5448\u73b0\u8d26\u6237\u3001\u652f\u4ed8\u548c\u50a8\u84c4\u4f53\u9a8c\u3002\u4e0b\u4e00\u4e2a\u524d\u6cbf\u2014\u2014\u5f00\u653e\u91d1\u878d\u2014\u2014\u5c06\u901a\u8fc7\u5c06\u53ef\u79fb\u690d\u6027\u548c\u540c\u610f\u5ef6\u4f38\u5230\u66f4\u5e7f\u6cdb\u7684\u4ea7\u54c1\u548c\u63d0\u4f9b\u5546\uff0c\u4ece\u800c\u8d70\u5f97\u66f4\u8fdc\u3002\u5728\u8fd9\u79cd\u73af\u5883\u4e0b\uff0c\u5f00\u6e90\u94f6\u884c\u8f6f\u4ef6\u4e0d\u4ec5\u4ec5\u662f\u4e00\u4e2a\u65f6\u9ae6\u7684\u9009\u62e9\uff1b\u5b83\u662f\u6784\u5efa\u5177\u6709\u97e7\u6027\u3001\u900f\u660e\u5ea6\u548c\u771f\u6b63\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u6570\u5b57\u91d1\u878d\u670d\u52a1\u7684\u5408\u4e4e\u903b\u8f91\u7684\u57fa\u7840\u3002InvestGlass Kleber Bank \u4f53\u73b0\u4e86\u8fd9\u79cd\u65b9\u6cd5\uff1a\u4e00\u4e2a\u73b0\u4ee3\u3001\u79fb\u52a8\u7684\u94f6\u884c\u524d\u7aef\uff0c\u5176\u6e90\u4ee3\u7801\u60a8\u53ef\u4ee5\u68c0\u67e5\u3001\u6539\u7f16\u548c\u90e8\u7f72\uff0c\u5b83\u65e8\u5728\u4e0e\u60a8\u7684\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u4f18\u96c5\u5730\u534f\u540c\u5de5\u4f5c\u3002, <a href=\"https:\/\/www.investglass.com\/zh\/%e7%a7%81%e4%ba%ba%e9%93%b6%e8%a1%8c-crm\/\" target=\"_self\" rel=\"noopener noreferrer\">\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406<\/a> \u8fd9\u6837\uff0c\u60a8\u5c31\u53ef\u4ee5\u66f4\u5feb\u5730\u4e3a\u5ba2\u6237\u521b\u9020\u4ef7\u503c\uff0c\u540c\u65f6\u4fdd\u6301\u73b0\u6709\u57fa\u7840\u8bbe\u65bd\u7684\u5b8c\u6574\u6027\u3002\u4ee3\u7801\u5728 GITUHB \u4e0a\u4ea4\u4ed8\u3002. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"899\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/investglass-kleber-app-1024x899.png\" alt=\"\" class=\"wp-image-47979\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/investglass-kleber-app-1024x899.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/investglass-kleber-app-300x263.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/investglass-kleber-app-768x674.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/investglass-kleber-app.png 1057w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/github.com\/InvestGlass\/Kleber-by-InvestGlass\">\u514b\u83b1\u4f2f\u94f6\u884c<\/a> \u662f\u4e00\u6b3e\u8de8\u5e73\u53f0\u5e94\u7528\u7a0b\u5e8f\uff0c\u53ef\u5728 iOS\u3001Android \u548c\u7f51\u7edc\u4e0a\u63d0\u4f9b\u5b8c\u7f8e\u7684\u5b9e\u65f6\u5ba2\u6237\u4f53\u9a8c\uff0c\u5b83\u5c06\u5e94\u7528\u7a0b\u5e8f\u89c6\u4e3a\u4e00\u5957\u6a21\u5757\u5316\u7684\u6784\u5efa\u6a21\u5757\uff0c\u800c\u4e0d\u662f\u5355\u4e00\u7684\u4ea7\u54c1\u3002\u5bf9\u4e8e\u559c\u6b22\u5728\u5f15\u64ce\u5ba4\u5f00\u5c55\u5f00\u6e90\u9879\u76ee\u7684\u7ec4\u7ec7\u800c\u8a00\uff0c\u5b83\u6709\u610f\u4e0d\u8003\u8651\u5e95\u5c42\u5206\u7c7b\u8d26\uff0c\u5e76\u4e0e\u73b0\u4ee3\u5185\u6838\u5b8c\u7f8e\u5951\u5408\u3002\u901a\u8fc7\u5c06\u4f53\u9a8c\u5c42\u4e0e\u6838\u5fc3\u94f6\u884c\u4e1a\u52a1\u5c42\u5206\u79bb\uff0cKleber \u8ba9\u91d1\u878d\u673a\u6784\u53ef\u4ee5\u6309\u7167\u81ea\u5df1\u7684\u8282\u594f\u53d1\u5c55\u67b6\u6784\uff1a\u91c7\u7528\u65b0\u7684\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u3001\u91cd\u6784\u670d\u52a1\u3001\u66f4\u6362\u5e55\u540e\u4f9b\u5e94\u5546\uff0c\u5e76\u4fdd\u6301\u524d\u53f0\u7684\u4e00\u81f4\u6027\u3002\u5bf9\u5ba2\u6237\u800c\u8a00\uff0c\u8fd9\u610f\u5473\u7740\u4e00\u79cd\u8fde\u8d2f\u3001\u53ef\u8bbf\u95ee\u7684\u652f\u4ed8\u3001\u50a8\u84c4\u3001\u67e5\u770b\u4ea4\u6613\u548c\u5b89\u5168\u4fe1\u606f\u7684\u65b9\u5f0f\uff1b\u5bf9\u60a8\u7684\u56e2\u961f\u800c\u8a00\uff0c\u8fd9\u610f\u5473\u7740\u4e00\u4e2a\u66f4\u6613\u4e8e\u63a8\u7406\u3001\u5ba1\u8ba1\u548c\u6269\u5c55\u7684\u4ee3\u7801\u5e93\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-open-source-is-the-future-of-banking\">\u5f00\u6e90\u4e3a\u4f55\u662f\u94f6\u884c\u4e1a\u7684\u672a\u6765<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f00\u653e\u6e90\u7801\u662f\u672a\u6765\u7684\u8d8b\u52bf\uff0c\u56e0\u4e3a\u5b83\u5c06\u91d1\u878d\u548c\u6280\u672f\u9886\u57df\u5386\u6765\u9519\u4f4d\u7684\u6fc0\u52b1\u673a\u5236\u7edf\u4e00\u8d77\u6765\u3002\u94f6\u884c\u4e00\u76f4\u9700\u8981\u53ef\u9760\u6027\u3001\u5b89\u5168\u6027\u548c\u76d1\u7ba1\u6e05\u6670\u5ea6\uff1b\u6280\u672f\u56e2\u961f\u5219\u9700\u8981\u7075\u6d3b\u6027\u3001\u901f\u5ea6\u548c\u521b\u65b0\u7a7a\u95f4\u3002\u5c01\u95ed\u7684\u3001\u4f9b\u5e94\u5546\u9501\u5b9a\u7684\u8f6f\u4ef6\u5f80\u5f80\u4f7f\u8fd9\u4e9b\u76ee\u6807\u76f8\u4e92\u7ade\u4e89\u3002\u5f00\u653e\u6e90\u7801\u8f6f\u4ef6\u521b\u9020\u4e86\u4e00\u4e2a\u4e0d\u540c\u7684\u7ade\u4e89\u73af\u5883\uff0c\u8ba9\u673a\u6784\u80fd\u591f\u638c\u63e1\u81ea\u5df1\u7684\u547d\u8fd0\uff1a\u4f60\u53ef\u4ee5\u76f4\u63a5\u8bbf\u95ee\u6e90\u4ee3\u7801\uff0c\u4f60\u53ef\u4ee5\u9a8c\u8bc1\u5b83\u662f\u5982\u4f55\u5de5\u4f5c\u7684\uff0c\u4f60\u53ef\u4ee5\u6839\u636e\u81ea\u5df1\u7684\u5177\u4f53\u9700\u6c42\u91cf\u8eab\u5b9a\u5236\uff0c\u800c\u4e0d\u5fc5\u7b49\u5f85\u9065\u8fdc\u7684\u8def\u7ebf\u56fe\u3002\u8fd9\u79cd\u81ea\u4e3b\u6743\u4e0d\u662f\u610f\u8bc6\u5f62\u6001\u4e0a\u7684\uff0c\u800c\u662f\u64cd\u4f5c\u4e0a\u7684\u3002\u5b83\u7f29\u77ed\u4e86\u4ece\u6cd5\u89c4\u53d8\u66f4\u5230\u7b26\u5408\u8981\u6c42\u7684\u53d1\u5e03\u4e4b\u95f4\u7684\u65f6\u95f4\uff0c\u6253\u901a\u4e86\u5c01\u95ed\u5f0f\u5e73\u53f0\u6240\u963b\u65ad\u7684\u96c6\u6210\u8def\u5f84\uff0c\u8ba9\u60a8\u53ef\u4ee5\u5c06\u5185\u90e8\u80fd\u529b\u4e0e\u793e\u533a\u80fd\u529b\u76f8\u7ed3\u5408\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u900f\u660e\u5ea6\u662f\u5f00\u653e\u6e90\u7801\u5c06\u4e3b\u5bfc\u884c\u4e1a\u7684\u53e6\u4e00\u4e2a\u539f\u56e0\u3002\u5728\u8fd9\u4e2a\u4e16\u754c\u4e0a\uff0c\u5ba2\u6237\u8d8a\u6765\u8d8a\u60f3\u77e5\u9053\u4ed6\u4eec\u7684\u8d22\u52a1\u6570\u636e\u662f\u5982\u4f55\u5904\u7406\u7684\uff0c\u76d1\u7ba1\u673a\u6784\u8981\u6c42\u7684\u662f\u8bc1\u636e\u800c\u4e0d\u662f\u4fdd\u8bc1\uff0c\u56e0\u6b64\u80fd\u591f\u5c55\u793a\u81ea\u5df1\u7684\u5de5\u4f5c\u975e\u5e38\u91cd\u8981\u3002\u5982\u679c\u60a8\u8fd0\u884c\u7684\u4ee3\u7801\u662f\u53ef\u68c0\u67e5\u7684\uff0c\u60a8\u7684\u5b89\u5168\u56e2\u961f\u5c31\u53ef\u4ee5\u8fdb\u884c\u5168\u9762\u5ba1\u67e5\uff0c\u60a8\u7684\u5ba1\u8ba1\u4eba\u5458\u5c31\u53ef\u4ee5\u8ffd\u8e2a\u7aef\u5230\u7aef\u7684\u6570\u636e\u6d41\uff0c\u60a8\u7684\u7ba1\u7406\u4eba\u5458\u5c31\u53ef\u4ee5\u6839\u636e\u4e8b\u5b9e\u505a\u51fa\u98ce\u9669\u51b3\u7b56\u3002\u8fd9\u5e76\u4e0d\u662f\u8bf4\u60a8\u5fc5\u987b\u516c\u5e03\u5806\u6808\u4e2d\u7684\u6bcf\u4e00\u4e2a\u4e13\u6709\u5143\u7d20\uff0c\u800c\u662f\u6307\u60a8\u6240\u4f9d\u8d56\u7684\u5173\u952e\u63a5\u53e3\u3001\u5e93\u548c\u6846\u67b6\u53ef\u4ee5\u4ece\u6570\u767e\u4e07\u53cc\u773c\u775b\u548c\u6210\u5343\u4e0a\u4e07\u6b21\u5b9e\u9645\u90e8\u7f72\u4e2d\u83b7\u76ca\u3002\u8fd9\u6837\u505a\u7684\u6700\u7ec8\u6548\u679c\u662f\u51cf\u5c11\u76f2\u70b9\uff0c\u5e76\u5728\u51fa\u73b0\u95ee\u9898\u65f6\u66f4\u5feb\u5730\u8fdb\u884c\u8865\u6551\u3002.<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u4eba\u624d\u5e02\u573a\u5f3a\u5316\u4e86\u8fd9\u4e00\u8d8b\u52bf\u3002\u5f00\u53d1\u4eba\u5458\u5e0c\u671b\u4f7f\u7528\u73b0\u4ee3\u5de5\u5177\u3001\u6210\u719f\u7684\u6846\u67b6\u548c\u793e\u533a\uff0c\u56e0\u4e3a\u4ed6\u4eec\u7684\u8d21\u732e\u5f88\u91cd\u8981\u3002\u5f53\u60a8\u7684\u79fb\u52a8\u94f6\u884c\u4e1a\u52a1\u57fa\u4e8e\u5f00\u6e90\u94f6\u884c\u8f6f\u4ef6\u548c\u73b0\u4ee3\u5806\u6808\u65f6\uff0c\u60a8\u5c31\u53ef\u4ee5\u52a0\u5feb\u62db\u8058\u548c\u6280\u80fd\u63d0\u5347\uff0c\u56e0\u4e3a\u5de5\u7a0b\u5e08\u53ef\u4ee5\u5229\u7528\u5927\u91cf\u7684\u6587\u6863\u3001\u719f\u6089\u7684\u6a21\u5f0f\u548c\u5e7f\u6cdb\u4f7f\u7528\u7684\u6d4b\u8bd5\u5de5\u5177\u3002\u4f8b\u5982\uff0c\u7531\u4e8e\u8c37\u6b4c\u7684\u7ba1\u7406\u548c\u5168\u7403\u4f01\u4e1a\u7684\u53c2\u4e0e\uff0c\u56f4\u7ed5 Flutter \u7684\u751f\u6001\u7cfb\u7edf\u5e9e\u5927\u800c\u5145\u6ee1\u6d3b\u529b\uff1b\u8fd9\u610f\u5473\u7740\u5165\u804c\u901f\u5ea6\u66f4\u5feb\u3001\u8c03\u8bd5\u8def\u5f84\u66f4\u6e05\u6670\uff0c\u4ee5\u53ca\u5df2\u7ecf\u4e86\u89e3\u4ee3\u7801\u5e93\u4e60\u8bed\u7684\u8d21\u732e\u8005\u6e20\u9053\u3002\u5f00\u653e\u5f0f\u534f\u4f5c\u65e2\u662f\u4e00\u79cd\u4fdd\u7559\u7b56\u7565\uff0c\u4e5f\u662f\u4e00\u79cd\u5de5\u7a0b\u9009\u62e9\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-kleber-Api-1024x575.png\" alt=\"InvestGlass API \u5230 Kleber \u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\" class=\"wp-image-47980\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-kleber-Api-1024x575.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-kleber-Api-300x168.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-kleber-Api-768x431.png 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-kleber-Api.png 1039w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u91cd\u8981\u7684\u662f\uff0c\u5f00\u6e90\u652f\u6301\u8fb9\u7f18\u521b\u65b0\u3002\u5f00\u653e\u94f6\u884c\u548c\u5f00\u653e\u91d1\u878d\u4f9d\u8d56\u4e8e\u53ef\u9760\u7684 API \u548c\u53ef\u7ec4\u5408\u670d\u52a1\u3002\u5f53\u6784\u5efa\u5757\u662f\u5f00\u653e\u7684\u65f6\uff0c\u4ece\u91d1\u878d\u79d1\u6280\u521d\u521b\u516c\u53f8\u5230\u5c0f\u989d\u4fe1\u8d37\u673a\u6784\u7b49\u89c4\u6a21\u8f83\u5c0f\u7684\u63d0\u4f9b\u5546\uff0c\u90fd\u53ef\u4ee5\u4e0e\u5927\u578b\u94f6\u884c\u63a5\u5165\u76f8\u540c\u7684\u7cfb\u7edf\uff0c\u5e76\u6839\u636e\u5f53\u5730\u60c5\u51b5\u8fdb\u884c\u8c03\u6574\uff0c\u5728\u4e0d\u91cd\u590d\u9020\u8f6e\u5b50\u7684\u60c5\u51b5\u4e0b\u63d0\u4f9b\u5305\u5bb9\u6027\u670d\u52a1\u3002\u8fd9\u6b63\u662f\u6211\u4eec\u80fd\u591f\u4ee5\u66f4\u4f4e\u7684\u6210\u672c\uff0c\u63a5\u89e6\u5230\u66f4\u591a\u5730\u533a\u3001\u66f4\u591a\u7528\u6237\u7684\u65b9\u5f0f\u3002\u8fd9\u4e0d\u4ec5\u4ec5\u662f\u4e3a\u4e86\u63d0\u4f9b\u70ab\u9177\u7684\u65b0\u529f\u80fd\uff0c\u66f4\u662f\u4e3a\u4e86\u8ba9\u4eba\u4eec\u80fd\u591f\u901a\u8fc7\u9002\u5408\u4ed6\u4eec\u7684\u6e20\u9053\uff08\u4ece\u667a\u80fd\u624b\u673a\u5230\u8f7b\u91cf\u7ea7\u7f51\u9875\u5ba2\u6237\u7aef\uff09\uff0c\u751a\u81f3\u5728\u5e26\u5bbd\u6709\u9650\u7684\u73af\u5883\u4e2d\uff0c\u4e5f\u80fd\u8f7b\u677e\u5f00\u8bbe\u8d26\u6237\u3001\u6536\u6b3e\u3001\u652f\u4ed8\u8d26\u5355\u548c\u4e3a\u76ee\u6807\u50a8\u84c4\u3002\u5f00\u6e90\u964d\u4f4e\u4e86\u8fdb\u5165\u95e8\u69db\uff0c\u8fd9\u5bf9\u7ade\u4e89\u548c\u5ba2\u6237\u90fd\u6709\u597d\u5904\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-kleber-bank-in-context-experience-layer-on-top-of-core-banking\">\u514b\u83b1\u4f2f\u94f6\u884c\u80cc\u666f\uff1a\u6838\u5fc3\u94f6\u884c\u4e1a\u52a1\u4e4b\u4e0a\u7684\u4f53\u9a8c\u5c42<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/github.com\/InvestGlass\/Kleber-by-InvestGlass\">\u514b\u83b1\u4f2f\u94f6\u884c<\/a> \u6709\u610f\u5c06\u5176\u5b9a\u4f4d\u4e3a \"\u7b2c\u4e00\u516c\u91cc \"\u548c \"\u6700\u540e\u4e00\u516c\u91cc \"\u754c\u9762\uff1a\u5ba2\u6237\u63a5\u89e6\u5230\u7684\u4ee4\u4eba\u6109\u60a6\u7684\u8868\u9762\uff0c\u4ee5\u53ca\u534f\u8c03\u8c03\u7528\u540e\u7aef\u670d\u52a1\u7684\u8fde\u63a5\u7ec4\u7ec7\u3002\u5b83\u662f\u4e00\u4e2a\u663e\u793a\u4f59\u989d\u3001\u663e\u793a\u5bf9\u8d26\u5355\u3001\u53d1\u8d77\u652f\u4ed8\u548c\u63d0\u4f9b\u5b89\u5168\u4fe1\u606f\u7684\u5e94\u7528\u7a0b\u5e8f\uff0c\u4f46\u5b83\u4e0d\u662f\u8bb0\u5f55\u7cfb\u7edf\u3002\u76f8\u53cd\uff0c\u5b83\u901a\u8fc7\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u4e0e\u6838\u5fc3\u94f6\u884c\u4e1a\u52a1\u96c6\u6210\uff0c\u65e0\u8bba\u662f\u5546\u4e1a\u6838\u5fc3\u3001\u5185\u90e8\u5f15\u64ce\u8fd8\u662f\u5f00\u6e90\u6838\u5fc3\u3002.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u5206\u79bb\u4e5f\u4f7f\u5408\u89c4\u7ba1\u7406\u53d8\u5f97\u66f4\u52a0\u5bb9\u6613\u3002\u60a8\u7684\u540c\u610f\u3001\u8eab\u4efd\u548c\u6388\u6743\u7b56\u7565\u4f4d\u4e8e\u670d\u52a1\u5c42\u4e2d\uff0c\u65e8\u5728\u6267\u884c\u5f3a\u5927\u7684\u5b89\u5168\u6027\uff0c\u800c\u5e94\u7528\u7a0b\u5e8f\u5219\u4e13\u6ce8\u4e8e\u6e05\u6670\u5ea6\u3001\u6027\u80fd\u548c\u53ef\u8bbf\u95ee\u6027\u3002\u8fd9\u79cd\u8bbe\u8ba1\u5c24\u5176\u9002\u7528\u4e8e\u5f00\u653e\u5f0f\u94f6\u884c\u4e1a\u52a1\uff0c\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u5ba2\u6237\u5fc5\u987b\u5145\u5206\u4e86\u89e3\u4ed6\u4eec\u5171\u4eab\u4e86\u54ea\u4e9b\u6570\u636e\u4ee5\u53ca\u5171\u4eab\u7684\u76ee\u7684\u3002\u7531\u4e8e Kleber \u662f\u5f00\u6e90\u7684\uff0c\u56e0\u6b64\u60a8\u53ef\u4ee5\u8bbe\u8ba1\u51fa\u771f\u6b63\u6613\u61c2\u7684\u540c\u610f\u5c4f\u5e55\uff0c\u60a8\u53ef\u4ee5\u7cbe\u786e\u8bb0\u5f55\u8bf7\u6c42\u7684\u8303\u56f4\uff0c\u60a8\u8fd8\u53ef\u4ee5\u8c03\u6574\u6d41\u7a0b\u4ee5\u9002\u5e94\u60a8\u7684\u7ba1\u8f96\u8981\u6c42\uff0c\u800c\u65e0\u9700\u7b49\u5f85\u4f9b\u5e94\u5546\u7684\u8865\u4e01\u3002\u5f53\u5f00\u653e\u5f0f\u91d1\u878d\u5c06\u8fd9\u4e9b\u6d41\u7a0b\u6269\u5c55\u5230\u517b\u8001\u91d1\u3001\u6295\u8d44\u6216\u4fdd\u9669\u65f6\uff0c\u60a8\u53ef\u4ee5\u5feb\u901f\u8c03\u6574\uff0c\u6dfb\u52a0\u6d41\u7a0b\u548c\u5143\u6570\u636e\uff0c\u540c\u65f6\u4fdd\u6301\u6574\u4f53\u4f53\u9a8c\u7684\u4e00\u81f4\u6027\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-benefits-for-banks-fintechs-and-microfinance-institutions\">\u94f6\u884c\u3001\u91d1\u878d\u79d1\u6280\u516c\u53f8\u548c\u5c0f\u989d\u4fe1\u8d37\u673a\u6784\u7684\u4e3b\u8981\u4f18\u52bf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009\u62e9\u673a\u6784 <a href=\"https:\/\/github.com\/InvestGlass\/Kleber-by-InvestGlass\">\u514b\u83b1\u4f2f\u94f6\u884c<\/a> \u4f5c\u4e3a\u5176\u79fb\u52a8\u94f6\u884c\u524d\u7aef\uff0c\u5c06\u5728\u4ea4\u4ed8\u3001\u98ce\u9669\u3001\u6210\u672c\u548c\u5ba2\u6237\u6ee1\u610f\u5ea6\u65b9\u9762\u83b7\u76ca\u3002\u4ea4\u4ed8\u80fd\u529b\u5f97\u5230\u63d0\u9ad8\uff0c\u56e0\u4e3a\u60a8\u53ef\u4ee5\u4ece\u4e00\u4e2a\u8fd0\u884c\u826f\u597d\u3001\u7ed3\u6784\u5408\u7406\u7684\u5e94\u7528\u7a0b\u5e8f\u5f00\u59cb\uff0c\u800c\u4e0d\u662f\u4ece\u4e00\u5f20\u7a7a\u767d\u7684\u753b\u5e03\u5f00\u59cb\uff1b\u60a8\u53ef\u4ee5\u5728\u6570\u5468\u800c\u4e0d\u662f\u6570\u5b63\u5ea6\u5185\u521b\u5efa\u65b0\u7684\u5c4f\u5e55\u3001\u91cd\u5851\u54c1\u724c\u5e76\u96c6\u6210\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u3002\u98ce\u9669\u964d\u4f4e\uff0c\u56e0\u4e3a\u60a8\u53ef\u4ee5\u5bf9\u4ee3\u7801\u8fdb\u884c\u5ba1\u8ba1\uff0c\u6dfb\u52a0\u8bc1\u4e66\u9500\u9489\u7b49\u4fdd\u62a4\u63aa\u65bd\uff0c\u52a0\u56fa\u5b58\u50a8\u5e76\u6267\u884c\u9690\u79c1\u8bbe\u8ba1\u6a21\u5f0f\uff1b\u60a8\u7684\u5b89\u5168\u548c\u5408\u89c4\u540c\u4e8b\u53ef\u4ee5\u76f4\u63a5\u5728\u5b58\u50a8\u5e93\u4e2d\u67e5\u770b\u8be6\u7ec6\u4fe1\u606f\uff0c\u5e76\u63d0\u51fa\u4fee\u6539\u5efa\u8bae\uff0c\u8fd9\u4e9b\u5efa\u8bae\u53c8\u4f1a\u6d41\u56de\u4e3b\u7ebf\u3002\u6210\u672c\u53d8\u5f97\u66f4\u52a0\u5408\u7406\uff1a\u60a8\u53ef\u4ee5\u63a7\u5236\u5f00\u53d1\u548c\u57fa\u7840\u67b6\u6784\u7684\u6210\u672c\uff0c\u800c\u4e0d\u662f\u6309\u7528\u6237\u6216\u6309\u6a21\u5757\u6536\u8d39\uff0c\u56e0\u4e3a\u968f\u7740\u91c7\u7528\u7387\u7684\u589e\u52a0\uff0c\u8fd9\u4e9b\u8d39\u7528\u53ef\u80fd\u4f1a\u6025\u5267\u4e0a\u5347\u3002\u5ba2\u6237\u6ee1\u610f\u5ea6\u63d0\u9ad8\uff0c\u56e0\u4e3a\u60a8\u53ef\u4ee5\u4e3a\u5e02\u573a\u91cf\u8eab\u5b9a\u5236\u65c5\u7a0b\uff0c\u65e0\u8bba\u662f\u590d\u6742\u7684\u8d22\u5bcc\u4eea\u8868\u677f\u3001\u7b80\u5316\u7684\u652f\u4ed8\uff0c\u8fd8\u662f\u9488\u5bf9\u5305\u5bb9\u6027\u8ba1\u5212\u7684\u65e0\u969c\u788d\u50a8\u84c4\u7ec4\u5408\u7ba1\u7406\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5fc5\u987b\u517c\u987e\u8584\u5229\u591a\u9500\u548c\u64cd\u4f5c\u590d\u6742\u6027\u7684\u5c0f\u989d\u4fe1\u8d37\u673a\u6784\u6765\u8bf4\uff0c\u5f00\u6e90\u4f53\u9a8c\u5c42\u548c\u5f00\u6e90\u6838\u5fc3\u7684\u7ed3\u5408\u5c24\u4e3a\u91cd\u8981\u3002\u5b83\u5b9e\u73b0\u4e86\u73b0\u573a\u5c31\u7eea\u754c\u9762\u3001\u9002\u5f53\u60c5\u51b5\u4e0b\u7684\u79bb\u7ebf\u5bb9\u5fcd\u6a21\u5f0f\u4ee5\u53ca\u4e0e\u5f53\u5730\u76d1\u7ba1\u673a\u6784\u4e00\u81f4\u7684\u62a5\u544a\u3002\u5b83\u8fd8\u652f\u6301\u793e\u533a\u4e3b\u5bfc\u7684\u521b\u65b0\uff1a\u5982\u679c\u4e00\u5bb6\u673a\u6784\u63d0\u4f9b\u4e86\u5904\u7406\u7ecf\u5e38\u6027\u4ed8\u6b3e\u6216\u8d37\u6b3e\u91cd\u7ec4\u7684\u66f4\u597d\u65b9\u6cd5\uff0c\u5176\u4ed6\u673a\u6784\u4e5f\u53ef\u4ee5\u91c7\u7528\u3002\u8fd9\u5c31\u662f\u90e8\u95e8\u5c42\u9762\u7684\u6539\u8fdb\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u4e2a\u522b\u4f01\u4e1a\u7684\u4e00\u6b21\u6027\u6536\u76ca\u3002\u4ece\u957f\u8fdc\u6765\u770b\uff0c\u6b63\u662f\u8fd9\u79cd\u52a8\u529b\u5c06\u666e\u60e0\u91d1\u878d\u4ece\u613f\u671b\u53d8\u4e3a\u65e5\u5e38\u73b0\u5b9e\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-architecture-and-building-blocks\">\u7ed3\u6784\u548c\u6784\u4ef6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5178\u578b\u7684\u90e8\u7f72\u662f\u5c06 Kleber Bank \u7f6e\u4e8e\u6e20\u9053\u5c42\uff0c\u5c06 API \u7f51\u5173\u7f6e\u4e8e\u8fb9\u7f18\u4ee5\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\u548c\u8d39\u7387\u9650\u5236\uff0c\u5c06\u4e00\u7cfb\u5217\u57df\u670d\u52a1\u7f6e\u4e8e\u5176\u540e\u4ee5\u8fdb\u884c\u8d26\u6237\u3001\u4ea4\u6613\u3001\u652f\u4ed8\u3001\u6587\u6863\u548c\u6d88\u606f\u4f20\u9012\u3002\u8fd9\u4e9b\u670d\u52a1\u4e0e\u6838\u5fc3\u94f6\u884c\u4e1a\u52a1\u4ee5\u53ca\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u3001\u98ce\u9669\u5f15\u64ce\u548c\u6570\u636e\u4ed3\u5e93\u7b49\u8f85\u52a9\u7cfb\u7edf\u8fdb\u884c\u5bf9\u8bdd\u3002\u5e94\u7528\u7a0b\u5e8f\u672c\u8eab\u5c31\u662f\u7c98\u5408\u5242\uff1a\u5b83\u53ef\u4ee5\u6e32\u67d3\u7cbe\u7f8e\u7684\u754c\u9762\uff0c\u5904\u7406\u5b89\u5168\u7684\u4f1a\u8bdd\u7ba1\u7406\uff0c\u5728\u672c\u5730\u6570\u636e\u5e93\u4e2d\u7f13\u5b58\u9002\u5f53\u7684\u72b6\u6001\uff0c\u5e76\u63d0\u4f9b\u5f3a\u5927\u7684\u9519\u8bef\u5904\u7406\u529f\u80fd\uff0c\u8ba9\u7528\u6237\u6c38\u8fdc\u4e0d\u4f1a\u731c\u6d4b\u3002\u7531\u4e8e\u4ee3\u7801\u662f\u5f00\u653e\u7684\uff0c\u56e0\u6b64\u60a8\u7684\u5f00\u53d1\u4eba\u5458\u53ef\u4ee5\u63a2\u7d22\u6bcf\u4e2a\u6a21\u5757\uff0c\u4e86\u89e3\u5b83\u5982\u4f55\u4e0e\u5176\u4ed6\u6a21\u5757\u7ec4\u5408\uff0c\u5e76\u6839\u636e\u60a8\u7684\u5e73\u53f0\u8fdb\u884c\u8c03\u6574\u3002\u5982\u679c\u60a8\u7684\u673a\u6784\u9700\u8981\u989d\u5916\u7684\u6587\u4ef6\u5904\u7406\u3001\u533a\u57df\u652f\u4ed8\u8f68\u9053\u6216\u5b9a\u5236\u7684\u5165\u804c\u670d\u52a1\uff0c\u60a8\u53ef\u4ee5\u5c06\u5b83\u4eec\u4f5c\u4e3a\u8fde\u8d2f\u7684\u7247\u6bb5\u800c\u4e0d\u662f\u9ed1\u5ba2\u6dfb\u52a0\u8fdb\u53bb\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u67b6\u6784\u8fd8\u53ef\u4ee5\u76f4\u63a5\u5bf9\u5e94\u7528\u7a0b\u5e8f\u8fdb\u884c\u68c0\u6d4b\uff0c\u4ee5\u63d0\u9ad8\u53ef\u89c2\u5bdf\u6027\u548c\u8d28\u91cf\u3002\u60a8\u53ef\u4ee5\u4f7f\u7528idempotency \u5bc6\u94a5\u68c0\u6d4b API \u7684\u5b89\u5168\u6027\uff0c\u8ddf\u8e2a\u8de8\u8bbe\u5907\u7684\u6027\u80fd\uff0c\u5e76\u5c06\u524d\u7aef\u9065\u6d4b\u4e0e\u540e\u7aef\u6307\u6807\u76f8\u5173\u8054\uff0c\u4ee5\u4fbf\u53ca\u65e9\u53d1\u73b0\u95ee\u9898\u3002\u5f53\u4f60\u7684\u7528\u6237\u7fa4\u4ece\u6570\u5343\u589e\u957f\u5230\u6570\u767e\u4e07\u65f6\uff0c\u8fd9\u79cd\u7eaa\u5f8b\u6027\u5c31\u6210\u4e3a\u53ef\u9760\u670d\u52a1\u4e0e\u8106\u5f31\u670d\u52a1\u4e4b\u95f4\u7684\u533a\u522b\u3002\u4ea7\u54c1\u5728\u91ce\u5916\u7684\u8868\u73b0\u4e0d\u662f\u9760\u731c\u6d4b\uff0c\u800c\u662f\u9760\u6570\u636e\u8bf4\u8bdd\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-developers-development-and-the-ecosystem\">\u5f00\u53d1\u4eba\u5458\u3001\u5f00\u53d1\u548c\u751f\u6001\u7cfb\u7edf<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kleber Bank \u7684\u6e90\u4ee3\u7801\u7f16\u5199\u5f97\u6613\u4e8e\u9605\u8bfb\u3001\u7b26\u5408\u4e60\u60ef\u4e14\u6b22\u8fce\u8d21\u732e\u8005\u3002\u8fd9\u5728\u56e2\u961f\u6269\u5c55\u6216\u5408\u4f5c\u4f19\u4f34\u9700\u8981\u5feb\u901f\u96c6\u6210\u65f6\u975e\u5e38\u91cd\u8981\u3002\u8be5\u5e94\u7528\u7a0b\u5e8f\u91c7\u7528\u73b0\u4ee3\u5316\u7684\u5de5\u5177\u6784\u5efa\uff0c\u5e76\u4e14\u7531\u4e8e\u751f\u6001\u7cfb\u7edf\u5f97\u5230\u4e86 Google \u548c\u975e\u5e38\u6d3b\u8dc3\u7684\u793e\u533a\u7684\u652f\u6301\uff0c\u60a8\u4f1a\u53d1\u73b0\u56fd\u9645\u5316\u3001\u53ef\u8bbf\u95ee\u6027\u3001\u6d4b\u8bd5\u6846\u67b6\u3001\u5b89\u5168\u5b58\u50a8\u3001\u5d29\u6e83\u62a5\u544a\u7b49\u5e38\u89c1\u9700\u6c42\u90fd\u6709\u6210\u719f\u7684\u6a21\u5f0f\u3002\u60a8\u7684\u5f00\u53d1\u4eba\u5458\u4f1a\u611f\u8c22\u60a8\u9009\u62e9\u4e86\u4ed6\u4eec\u559c\u6b22\u7684\u6280\u672f\uff0c\u800c\u60a8\u7684\u4ea4\u4ed8\u7ecf\u7406\u4e5f\u4f1a\u6b23\u8d4f\u66f4\u5feb\u7684\u4ea4\u4ed8\u5468\u671f\u3002\u5806\u6808\u4e2d\u5b58\u5728\u5f00\u6e90\u9879\u76ee\u4e5f\u610f\u5473\u7740\u60a8\u53ef\u4ee5\u65e0\u7f1d\u5730\u4f7f\u7528\u6301\u7eed\u96c6\u6210\u7ba1\u9053\u3001\u9759\u6001\u5206\u6790\u548c\u4f9d\u8d56\u9879\u626b\u63cf\u7a0b\u5e8f\uff0c\u56e0\u4e3a\u6240\u6709\u5de5\u5177\u90fd\u65e8\u5728\u534f\u540c\u5de5\u4f5c\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6587\u6863\u662f\u8fd9\u79cd\u4f53\u9a8c\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\u3002\u4e00\u4e2a\u597d\u7684\u8d44\u6e90\u5e93\u4e0d\u4ec5\u80fd\u7f16\u8bd1\uff0c\u8fd8\u80fd\u89e3\u91ca\u3002\u60a8\u7684\u5de5\u7a0b\u5e08\u53ef\u4ee5\u53d1\u73b0 API \u5c42\u662f\u5982\u4f55\u6620\u5c04\u5230\u57df\u5bf9\u8c61\u7684\uff0c\u5e94\u7528\u7a0b\u5e8f\u662f\u5982\u4f55\u7f13\u5b58\u548c\u5931\u6548\u6570\u636e\u7684\uff0c\u4ee5\u53ca\u5728\u4f55\u5904\u63d2\u5165\u989d\u5916\u7684\u6b3a\u8bc8\u6216\u5f02\u5e38\u884c\u4e3a\u68c0\u67e5\u3002\u60a8\u53ef\u4ee5\u8ba9\u7f51\u7ad9\u4e0e\u53d1\u5e03\u7684\u7248\u672c\u4fdd\u6301\u540c\u6b65\uff0c\u53d1\u5e03\u80fd\u771f\u6b63\u4e3a\u7528\u6237\u63d0\u4f9b\u4fe1\u606f\u7684\u66f4\u65b0\u65e5\u5fd7\uff0c\u5e76\u901a\u8fc7\u4e0e\u4ee3\u7801\u6765\u6e90\u76f8\u540c\u7684\u5185\u90e8\u7ef4\u57fa\u6765\u63d0\u9ad8\u652f\u6301\u56e2\u961f\u7684\u6548\u7387\u3002\u5f53\u60a8\u9700\u8981\u5347\u7ea7\u4e8b\u4ef6\u65f6\uff0c\u60a8\u9700\u8981\u5904\u7406\u7684\u662f\u60a8\u6240\u63a7\u5236\u7684\u5de5\u4ef6\uff0c\u800c\u4e0d\u662f\u7b49\u5f85\u4f9b\u5e94\u5546\u7684\u7968\u52a1\u7cfb\u7edf\uff0c\u5e0c\u671b\u6709\u4eba\u80fd\u63d0\u4f9b\u8db3\u591f\u7684\u8be6\u7ec6\u4fe1\u606f\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-security-privacy-and-trust\">\u5b89\u5168\u3001\u9690\u79c1\u548c\u4fe1\u4efb<\/h2>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u9690\u79c1\u540c\u6837\u81f3\u5173\u91cd\u8981\u3002\u5f00\u653e\u94f6\u884c\u548c\u5f00\u653e\u91d1\u878d\u4e2d\u7684\u540c\u610f\u5fc5\u987b\u662f\u6709\u610f\u4e49\u7684\uff0c\u800c\u4e0d\u662f\u4e00\u5835\u6587\u5b57\u5899\u3002\u5f00\u653e\u6e90\u4ee3\u7801\u5e94\u7528\u7a0b\u5e8f\u53ef\u8ba9\u60a8\u8bbe\u8ba1\u51fa\u6e05\u6670\u53ef\u8fa8\u3001\u53ef\u64a4\u9500\u7684\u540c\u610f\u6d41\u7a0b\uff0c\u5e76\u8ba9\u60a8\u53cd\u6620\u5730\u533a\u89c4\u8303\u3002\u4e00\u4e9b\u5e02\u573a\u9700\u8981\u5bf9\u652f\u4ed8\u8fdb\u884c\u751f\u7269\u8bc6\u522b\u63a7\u5236\uff0c\u53e6\u4e00\u4e9b\u5e02\u573a\u5219\u4f18\u5148\u8003\u8651\u900f\u660e\u7684\u6570\u636e\u6536\u636e\uff0c\u4ee5\u51c6\u786e\u663e\u793a\u4f7f\u7528\u4e86\u54ea\u4e9b\u8303\u56f4\u3002\u5173\u952e\u5728\u4e8e\uff0c\u60a8\u65e0\u9700\u5411\u4f9b\u5e94\u5546\u4e5e\u6c42\u7279\u6b8a\u6784\u5efa\uff0c\u5c31\u80fd\u5b9e\u73b0\u8fd9\u4e9b\u9009\u62e9\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-business-case-and-digital-transformation\">\u4e1a\u52a1\u6848\u4f8b\u548c\u6570\u5b57\u5316\u8f6c\u578b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8463\u4e8b\u4f1a\u5e0c\u671b\u4e86\u89e3\u5f00\u6e90\u94f6\u884c\u4e1a\u52a1\u5982\u4f55\u8f6c\u5316\u4e3a\u6210\u679c\u3002\u7b54\u6848\u662f\u5b83\u7f29\u77ed\u4e86\u6218\u7565\u4e0e\u6267\u884c\u4e4b\u95f4\u7684\u8ddd\u79bb\u3002\u5982\u679c\u60a8\u7684\u76ee\u6807\u662f\u9488\u5bf9\u65b0\u7ec6\u5206\u5e02\u573a\u63a8\u51fa\u79fb\u52a8\u94f6\u884c\u4ea7\u54c1\uff0c\u60a8\u53ef\u4ee5\u4ece\u4e00\u4e2a\u53ef\u7528\u7684\u5e94\u7528\u7a0b\u5e8f\u5f00\u59cb\uff0c\u96c6\u6210\u60a8\u7684\u8d26\u6237\u548c\u652f\u4ed8 API\uff0c\u5e76\u5728\u77ed\u65f6\u95f4\u5185\u4e0a\u7ebf\uff0c\u63d0\u4f9b\u9ad8\u8d28\u91cf\u7684\u4f53\u9a8c\uff0c\u8fd9\u662f\u4ece\u96f6\u5f00\u59cb\u6784\u5efa\u6240\u9700\u65f6\u95f4\u7684\u4e00\u5c0f\u90e8\u5206\u3002\u5982\u679c\u60a8\u7684\u6218\u7565\u9700\u8981\u66f4\u597d\u7684\u4e2a\u4eba\u7406\u8d22\u529f\u80fd\uff0c\u60a8\u53ef\u4ee5\u521b\u5efa\u65b0\u7684\u6a21\u5757\uff0c\u4f8b\u5982\u76ee\u6807\u50a8\u84c4\u3001\u5206\u7c7b\u4ea4\u6613\u3001\u89c1\u89e3\uff0c\u800c\u65e0\u9700\u91cd\u65b0\u6784\u5efa\u57fa\u7840\u3002\u5982\u679c\u60a8\u6b63\u5728\u5bfb\u6c42\u5408\u4f5c\uff0c\u53ef\u4ee5\u901a\u8fc7 SDK \u516c\u5f00\u90e8\u5206\u5e94\u7528\u7a0b\u5e8f\uff0c\u6216\u5728\u5408\u4f5c\u4f19\u4f34\u7684\u4e0a\u4e0b\u6587\u4e2d\u5d4c\u5165\u6d41\u7a0b\uff0c\u800c\u4e0d\u4f1a\u635f\u5bb3\u5b89\u5168\u6027\u3002.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bda\u5b9e\u5730\u627f\u8ba4\u6210\u672c\u72b6\u51b5\u662f\u503c\u5f97\u7684\u3002\u4e0d\u80fd\u56e0\u4e3a\u91c7\u7528\u4e86\u5f00\u653e\u6e90\u7801\u5c31\u4e0d\u9700\u8981\u5f3a\u5927\u7684\u5de5\u7a0b\u8bbe\u8ba1\uff0c\u800c\u662f\u8981\u63a5\u53d7\u5b83\u3002\u60a8\u9700\u8981\u4e3a\u5f00\u53d1\u3001\u6d4b\u8bd5\u3001\u53ef\u89c2\u5bdf\u6027\u548c\u8fd0\u8425\u7f16\u5236\u9884\u7b97\u3002\u60a8\u9700\u8981\u652f\u4ed8\u4e91\u8d44\u6e90\u548c\u968f\u53eb\u968f\u5230\u670d\u52a1\u7684\u8d39\u7528\u3002\u6240\u4e0d\u540c\u7684\u662f\uff0c\u4f60\u9700\u8981\u4e3a\u80fd\u529b\u548c\u77e5\u8bc6\u4ea7\u6743\u7684\u589e\u957f\u4e70\u5355\uff0c\u800c\u8fd9\u4e9b\u80fd\u529b\u548c\u77e5\u8bc6\u4ea7\u6743\u4ecd\u5c5e\u4e8e\u4f60\u3002\u60a8\u7684\u652f\u51fa\u4e0d\u4ec5\u4ec5\u662f\u8bb8\u53ef\u8bc1\u7684\u7ec6\u5217\u9879\u76ee\uff0c\u800c\u662f\u5bf9\u60a8\u53ef\u4ee5\u5851\u9020\u7684\u8d44\u4ea7\u7684\u6295\u8d44\u3002\u5982\u679c\u4f60\u613f\u610f\uff0c\u4e5f\u53ef\u4ee5\u91c7\u7528\u53cc\u91cd\u65b9\u6cd5\uff0c\u5728\u6709\u610f\u4e49\u7684\u9886\u57df\u5c06\u5f00\u653e\u6e90\u4ee3\u7801\u4e0e\u5546\u4e1a\u5de5\u5177\u76f8\u7ed3\u5408\u3002\u5f00\u653e\u6e90\u4ee3\u7801\u5728\u8fd9\u65b9\u9762\u662f\u5141\u8bb8\u7684\uff1b\u5b83\u4e0d\u8981\u6c42\u7eaf\u7cb9\u6027\uff0c\u53ea\u8981\u6c42\u6e05\u6670\u6027\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-terminology-and-clarity\">\u672f\u8bed\u548c\u6e05\u6670\u5ea6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u8c08\u8c08\u8bed\u8a00\u3002\u60a8\u6709\u65f6\u4f1a\u770b\u5230 \u201c\u6e90\u4ee3\u7801\u94f6\u884c\u8f6f\u4ef6 \u201d\u6216 \u201c\u6e90\u4ee3\u7801\u94f6\u884c \u201d\u7b49\u975e\u5e38\u89c4\u7528\u8bed\uff0c\u7528\u6765\u975e\u6b63\u5f0f\u5730\u63cf\u8ff0\u53ef\u8bbf\u95ee\u6e90\u4ee3\u7801\u7684\u89e3\u51b3\u65b9\u6848\u3002\u66f4\u51c6\u786e\u7684\u8bf4\u6cd5\u662f \u201c\u5f00\u653e\u6e90\u4ee3\u7801\u94f6\u884c\u201d\uff0c\u800c Kleber Bank \u6b63\u662f\u7b26\u5408\u8fd9\u4e00\u5b9a\u4e49\u3002\u5b83\u7684\u4ee3\u7801\u662f\u516c\u5f00\u7684\uff0c\u8bb8\u53ef\u8bc1\u662f\u8bb8\u53ef\u7684\uff0c\u5176\u76ee\u7684\u662f\u8ba9\u90a3\u4e9b\u5e0c\u671b\u5728\u4e0d\u653e\u5f03\u63a7\u5236\u6743\u7684\u60c5\u51b5\u4e0b\u5efa\u7acb\u53ef\u9760\u7684\u79fb\u52a8\u94f6\u884c\u670d\u52a1\u7684\u673a\u6784\u548c\u5f00\u53d1\u5546\u5bf9\u5176\u8fdb\u884c\u8c03\u6574\u3002\u65e0\u8bba\u4f60\u559c\u6b22\u8bf4\u8bb8\u53ef\u8bc1\u8fd8\u662f\u6267\u7167\uff0c\u539f\u5219\u90fd\u662f\u4e00\u6837\u7684\uff1a\u900f\u660e\u5ea6\u3001\u4e92\u64cd\u4f5c\u6027\u548c\u4ee3\u7406\u6743\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png\" alt=\"\" class=\"wp-image-47981\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-1024x575.png 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white-300x168.png 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/09\/InvestGlass-openbanking-white.png 1042w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-from-first-build-to-production\">\u4ece\u9996\u6b21\u5efa\u9020\u5230\u6295\u4ea7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u91c7\u7528 Kleber Bank \u7684\u8fc7\u7a0b\u9700\u8981\u6709\u6761\u4e0d\u7d0a\u7684\u7cbe\u5fc3\u5b89\u6392\u3002\u60a8\u7684\u56e2\u961f\u5c06\u9996\u5148\u5c06\u5e94\u7528\u7a0b\u5e8f\u8fde\u63a5\u5230\u6c99\u76d2 API\uff0c\u5e76\u9a8c\u8bc1\u767b\u5f55\u3001\u8d26\u6237\u548c\u4ea4\u6613\u7684\u7aef\u5230\u7aef\u6d41\u7a0b\u3002\u7136\u540e\uff0c\u60a8\u53ef\u4ee5\u4e30\u5bcc\u652f\u4ed8\u3001\u5361\u7ba1\u7406\u3001\u50a8\u84c4\u7b49\u4ea4\u6613\u6d41\u7a0b\uff0c\u540c\u65f6\u4e0e\u60a8\u7684 CRM \u96c6\u6210\uff0c\u4ee5\u4fbf\u670d\u52a1\u4eba\u5458\u80fd\u591f\u5168\u9762\u4e86\u89e3\u60c5\u51b5\u3002\u60a8\u5c06\u4ece\u7b2c\u4e00\u5929\u8d77\u5c31\u5d4c\u5165\u53ef\u89c2\u6d4b\u6027\uff0c\u4ee5\u4fbf\u4e86\u89e3\u8de8\u8bbe\u5907\u548c\u533a\u57df\u7684\u6027\u80fd\u3002\u60a8\u5c06\u52a0\u5f3a\u5b89\u5168\u6027\uff0c\u7279\u522b\u5173\u6ce8\u5bc6\u94a5\u7ba1\u7406\u548c\u673a\u5bc6\u4fe1\u606f\u3002\u60a8\u5c06\u51c6\u5907\u4e00\u4e2a\u6e05\u6670\u7684\u53d1\u5e03\u7ba1\u9053\uff0c\u5e76\u914d\u5907\u5728\u6bcf\u6b21\u63d0\u4ea4\u65f6\u8fd0\u884c\u7684\u81ea\u52a8\u5316\u6d4b\u8bd5\u3002\u60a8\u8fd8\u5c06\u4fdd\u6301\u7f51\u7ad9\u548c\u5e2e\u52a9\u5185\u5bb9\u7684\u540c\u6b65\uff0c\u4ee5\u4fbf\u5ba2\u6237\u65e0\u9700\u81f4\u7535\u652f\u6301\u5373\u53ef\u627e\u5230\u7b54\u6848\u3002\u5f53\u7136\uff0c\u8fd9\u4e9b\u6b65\u9aa4\u90fd\u4e0d\u662f\u5f00\u6e90\u72ec\u6709\u7684\uff0c\u4f46\u5f00\u6e90\u4f7f\u5b83\u4eec\u66f4\u5bb9\u6613\u6267\u884c\u5230\u4f4d\uff0c\u56e0\u4e3a\u4ee3\u7801\u548c\u5de5\u5177\u53ef\u4ee5\u7531\u60a8\u6765\u5851\u9020\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-customer-centred-future\">\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u672a\u6765<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e00\u5207\u7684\u6838\u5fc3\u662f\u5ba2\u6237\u3002\u4eba\u4eec\u5e0c\u671b\u6e05\u695a\u5730\u770b\u5230\u81ea\u5df1\u7684\u94b1\uff0c\u65b9\u4fbf\u5730\u8f6c\u79fb\u94b1\uff0c\u5728\u9700\u8981\u7684\u65f6\u5019\u4ed8\u6b3e\uff0c\u65e0\u969c\u788d\u5730\u50a8\u84c4\uff0c\u5e76\u5728\u51fa\u73b0\u95ee\u9898\u65f6\u83b7\u5f97\u53ca\u65f6\u3001\u4eba\u6027\u5316\u7684\u652f\u6301\u3002\u4ed6\u4eec\u5e0c\u671b\u6709\u4e00\u4e2a\u52a0\u8f7d\u901f\u5ea6\u5feb\u3001\u5fc5\u8981\u65f6\u53ef\u4ee5\u79bb\u7ebf\u5de5\u4f5c\u3001\u5e76\u4e14\u5c0a\u91cd\u4ed6\u4eec\u65f6\u95f4\u7684\u5e94\u7528\u7a0b\u5e8f\u3002\u4ed6\u4eec\u5e0c\u671b\u94f6\u884c\u5728\u6570\u636e\u65b9\u9762\u8bda\u5b9e\uff0c\u4e0d\u4f7f\u7528\u201c\u6697\u6a21\u5f0f\u201d\u8ba9\u4ed6\u4eec\u611f\u5230\u610f\u5916\uff0c\u5e76\u4e14\u80fd\u591f\u7ea0\u6b63\u9519\u8bef\u3002\u5f00\u6e90\u94f6\u884c\u8f6f\u4ef6\u975e\u5e38\u9002\u5408\u4ea4\u4ed8\u8fd9\u6837\u7684\u672a\u6765\uff0c\u56e0\u4e3a\u5b83\u521b\u9020\u4e86\u8bda\u5b9e\u548c\u5feb\u901f\u7684\u6761\u4ef6\u3002\u5f53\u60a8\u7684\u56e2\u961f\u80fd\u591f\u68c0\u67e5\u4ee3\u7801\u3001\u6539\u8fdb\u754c\u9762\u5e76\u5b89\u5168\u5730\u53d1\u5e03\u65f6\uff0c\u5ba2\u6237\u5c31\u80fd\u53d7\u76ca\u3002\u5f53\u60a8\u7684\u5408\u4f5c\u4f19\u4f34\u80fd\u591f\u901a\u8fc7\u7a33\u5b9a\u7684 API \u96c6\u6210\u65f6\uff0c\u4ed6\u4eec\u5c31\u53ef\u4ee5\u5728\u540c\u4e00\u4e2a\u57fa\u7840\u4e0a\u63d0\u4f9b\u6709\u7528\u7684\u670d\u52a1\uff0c\u5982\u9884\u7b97\u3001\u4fe1\u7528\u5efa\u8bbe\u3001\u6295\u8d44\u6559\u80b2\u3002\u5f53\u76d1\u7ba1\u673a\u6784\u8981\u6c42\u8bc1\u660e\u65f6\uff0c\u60a8\u53ef\u4ee5\u63d0\u4f9b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-why-kleber-bank-why-now\">\u7ed3\u8bba\uff1a\u4e3a\u4ec0\u4e48\u662f\u514b\u83b1\u4f2f\u94f6\u884c\uff0c\u4e3a\u4ec0\u4e48\u662f\u73b0\u5728<\/h2>\n\n\n\n<p 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\u4e3a\u91d1\u878d\u673a\u6784\u63d0\u4f9b\u4e86\u4e00\u6761\u901a\u5f80\u672a\u6765\u7684\u52a1\u5b9e\u3001\u73b0\u4ee3\u7684\u9053\u8def\uff1a\u60a8\u53ef\u4ee5\u62e5\u6709\u3001\u96c6\u6210\u548c\u6269\u5c55\u7684\u79fb\u52a8\u94f6\u884c\u548c\u7f51\u7edc\u4f53\u9a8c\uff1b\u5c0a\u91cd\u4f53\u9a8c\u4e0e\u6838\u5fc3\u94f6\u884c\u4e1a\u52a1\u5206\u79bb\u7684\u5e73\u53f0\uff1b\u4ee5\u53ca\u9f13\u52b1\u6301\u7eed\u6539\u8fdb\u7684\u4ee3\u7801\u5e93\u3002\u65e0\u8bba\u60a8\u662f\u8fdb\u884c\u6e20\u9053\u73b0\u4ee3\u5316\u7684\u5927\u578b\u94f6\u884c\uff0c\u8fd8\u662f\u63a8\u51fa\u65b0\u4e1a\u52a1\u7684\u6311\u6218\u8005\uff0c\u6291\u6216\u662f\u6269\u5927\u5305\u5bb9\u6027\u7684\u5c0f\u989d\u4fe1\u8d37\u673a\u6784\uff0cKleber Bank \u90fd\u80fd\u4e3a\u60a8\u63d0\u4f9b\u6240\u9700\u7684\u5173\u952e\u4f18\u52bf\uff1a\u901f\u5ea6\u3001\u900f\u660e\u5ea6\u3001\u4e92\u64cd\u4f5c\u6027\u548c\u63a7\u5236\u529b\u3002\u5b83\u80fd\u8ba9\u60a8\u7684\u5f00\u53d1\u4eba\u5458\u5c3d\u5c55\u6240\u957f\uff0c\u4e3a\u60a8\u7684\u5ba1\u8ba1\u4eba\u5458\u63d0\u4f9b\u6240\u9700\u7684\u8be6\u7ec6\u4fe1\u606f\uff0c\u4e3a\u60a8\u7684\u5ba2\u6237\u63d0\u4f9b\u4f53\u8d34\u5468\u5230\u3001\u503c\u5f97\u4fe1\u8d56\u7684\u670d\u52a1\u3002\u603b\u4e4b\uff0c\u5b83\u662f\u4e00\u4e2a\u4e3a\u91d1\u878d\u4e1a\u7684\u73b0\u5b9e\u800c\u6253\u9020\u7684\u5f00\u6e90\u89e3\u51b3\u65b9\u6848\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-nbsp\">&nbsp;<\/h3>","protected":false},"excerpt":{"rendered":"<p>The banking sector stands at a pivotal moment where technology, regulation and customer expectation are converging at speed, and the institutions that thrive will be those that can adapt rapidly without sacrificing trust. Open banking has already reshaped how financial data moves, enabling customers to grant secure access to third-party services and inviting banks to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":47979,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1216],"class_list":["post-47978","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-open-source"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Open Source Banking App: The Future of Finance<\/title>\n<meta name=\"description\" content=\"Explore the features of an open source banking app that enhances your financial management and security.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/zh\/\u5f00\u653e\u94f6\u884c\u7684\u597d\u5904\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are the Benefits of Open Banking? 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