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The German Banking Industry Committee (GBIC) welcomes the objective pursued by the proposal for a European Data Act, namely to establish a horizontal legal framework to facilitate the access to data for, and the exchange of data between, consumers and businesses. Data-driven innovation and services are becoming increasingly important, both for individual businesses and the European economy as a whole. This requires access to data along the entire value chain across the different service providers involved. Limiting the scope to machine-generated data does not go far enough since this will fail to cover a lot of data and thus leave untapped significant potential for new and improved products and services in areas such as banking.
