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CALL FOR INPUT | EXPLORATION BRIEF
AI agents are transforming how user-permissioned financial data flows.
The potential for both benefit and harm is profound. Safe adoption will require responsible industry collaboration.
Financial Data Exchange (FDX)—a leading technical standards body—is launching a broad industry initiative to promote modern, safe ways for companies to build secure financial data sharing integrations involving agentic AI.
At this stage, we invite all stakeholders to:
- Answer the Call for Input [↓] by May 29 by emailing input@financialdataexchange.org
- Review the Exploration Brief [↓]
- Get involved in the discussion with FDX
WHY THIS MATTERS NOW
Millions of consumers and business owners share their financial data with third-party apps and services today. In recent years, broad industry collaboration has enabled a majority of these data sharing connections in North America to transition to the use of structured, token-based APIs aligned with the FDX standards. Those standards are purpose-built to provide enhanced security, user control & transparency, scoped consent management, traceability, and interoperability.
Now, financial institutions, fintechs, AI platform operators, and account holders are increasingly deploying AI agents in a variety of ways to facilitate financial data sharing. These new uses introduce opportunities but also novel risks, while challenging many assumptions imbedded in the technical standards & integration patterns that are widely used today.
As the use of Agentic AI proliferates, we see an opportunity to define updated standards and/or best practices for integrations involving AI agents, to ensure that account holders retain strong security, access, and control when sharing their data.
CALL FOR INPUT | Download here
We invite all industry stakeholders to share thoughts on several questions about how agentic AI will impact user-permissioned financial data sharing and how standards can be adapted accordingly. Focus areas include:
- Agent identity and classification
- Consent and delegation
- Data minimization
- Downstream accountability
- Alignment with emerging standards
Please share your feedback by May 29 to input@financialdataexchange.org
Any contributions by individuals or organizations who are not FDX members are subject to the terms linked here.
EXPLORATION BRIEF | Download here
We invite you to review this brief, which provides an initial framing of
- Emerging use cases for agentic AI in permissioned financial data sharing
- Key risks and gaps in existing frameworks
- Areas where standards may need to adapt
This brief is based off discussions to date in the FDX Agentic AI Task Force, a cross-industry group of financial institutions, data aggregators, fintechs, and others.
SHAPE THE FUTURE ALONGSIDE FDX MEMBERS
GUIDING PRINCIPLES
In building new or adapted access methods using AI agents, consumers and businesses will benefit when companies focus on delivering:
CONTROL ACCESS TRANSPARENCY TRACEABILITY SECURITY
ABOUT FDX
FDX is the leading technical standards body in North America focused on permissioned financial data sharing, with ~200 member organizations. Over 114 million customer accounts connected through FDX API standards today.
GETTING INVOLVED
FDX is actively seeking engagement by companies with interest in this topic. We have been facilitating a range of conversations on Agentic AI in recent months, including through our AI Task Force, with broad participation by leading financial institutions, data aggregators, fintechs, consumer groups, and others.
To learn more about how you can get involved in that dialogue, send a note to input@financialdataexchange.org