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Open Banking Strategy Formation
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Book Synopsis Open Banking Strategy Formation by : Paul Rohan
Download or read book Open Banking Strategy Formation written by Paul Rohan and published by Createspace Independent Publishing Platform. This book was released on 2017-04-19 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: Open Banking is an emerging and high-profile area in financial services. There is a 'market forces' definition of Open Banking. It refers to the use of Open APIs that enable third-party Developers to build applications and services around banks. There is also a 'regulatory' definition of Open Banking, focused on greater transparency and choices for bank account holders which is being enforced by regulators. Some commentators suggest that Open Banking could cure many ills in modern banking. The emerging Open Banking environment is often described as an Ecosystem. Healthy ecosystems have viable populations of various interacting species, ecosystem diversity, a constant evolutionary process and sufficient evolutionary potential. The potential interactions in an Open Banking Ecosystem interests many investors and entrepreneurs. Within existing banks, corporate strategists, technology specialists, business unit leaders and risk managers are also examining its impact on the landscape of financial services. As an Open Banking Ecosystem emerges, a central question must be the capability of existing banks to adapt and evolve into this new environment. Open Banking Strategy Formation examines the forces that are likely to influence the evolution of Open Banking at an industry level. The transition of the industry to Open Banking will come from a patchwork of deliberate and reactive changes by existing and emerging market participants. Open Banking Strategy Formation will help existing and new market participants to judge how and when their businesses can become part of the Open Banking Ecosystem.
Book Synopsis Open Banking Strategy by : Gerardus Blokdyk
Download or read book Open Banking Strategy written by Gerardus Blokdyk and published by Createspace Independent Publishing Platform. This book was released on 2018-04 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt: How will variation in the actual durations of each activity be dealt with to ensure that the expected Open Banking Strategy results are met? Who is the main stakeholder, with ultimate responsibility for driving Open Banking Strategy forward? How do the Open Banking Strategy results compare with the performance of your competitors and other organizations with similar offerings? Is the impact that Open Banking Strategy has shown? Does Open Banking Strategy appropriately measure and monitor risk? This instant Open Banking Strategy self-assessment will make you the credible Open Banking Strategy domain specialist by revealing just what you need to know to be fluent and ready for any Open Banking Strategy challenge. How do I reduce the effort in the Open Banking Strategy work to be done to get problems solved? How can I ensure that plans of action include every Open Banking Strategy task and that every Open Banking Strategy outcome is in place? How will I save time investigating strategic and tactical options and ensuring Open Banking Strategy costs are low? How can I deliver tailored Open Banking Strategy advice instantly with structured going-forward plans? There's no better guide through these mind-expanding questions than acclaimed best-selling author Gerard Blokdyk. Blokdyk ensures all Open Banking Strategy essentials are covered, from every angle: the Open Banking Strategy self-assessment shows succinctly and clearly that what needs to be clarified to organize the required activities and processes so that Open Banking Strategy outcomes are achieved. Contains extensive criteria grounded in past and current successful projects and activities by experienced Open Banking Strategy practitioners. Their mastery, combined with the easy elegance of the self-assessment, provides its superior value to you in knowing how to ensure the outcome of any efforts in Open Banking Strategy are maximized with professional results. Your purchase includes access details to the Open Banking Strategy self-assessment dashboard download which gives you your dynamically prioritized projects-ready tool and shows you exactly what to do next. Your exclusive instant access details can be found in your book.
Book Synopsis Open Banking by : Francesco De Pascalis
Download or read book Open Banking written by Francesco De Pascalis and published by Taylor & Francis. This book was released on 2024-05-01 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: Open banking ends the proprietary control of customer information by banks and allows customers to share their banking financial data with third parties as a matter of right. It can also permit customers to allow others to remove funds directly from their bank accounts in return for goods and services. All of this is done securely with standardised ‘application programming interfaces’ (APIs). Open banking has developed in different ways and with different objectives across the globe. Open Banking: Global Development and Regulation examines the empowering and enabling regulations that facilitate all of this. This book compares a number of different open banking national strategies. These range from the focus of the UK and EU on enhanced competition to the more collaborative approaches in many East Asian jurisdictions. It also looks at the use of open banking for socio-economic purpose in Brazil and India. Here open banking forms part of a wider government programme to increase financial inclusion coupled with encouraging economic growth. This text will be valuable for fintech companies, policymakers and financial services regulators Its overarching aim is to demonstrate the possibilities and challenges of open banking and how it is changing lives across the world.
Download or read book Open Banking written by Linda Jeng and published by Oxford University Press. This book was released on 2022 with total page 345 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Consumers are growing more aware of the importance and value of the data they personally generate across industries and domains. Financial services is one such area where the link between one's personal data and its economic value is most clearly established, and consumers are beginning to agitate for and gain a measure of agency over their data. A study of the phenomenon of open banking provides a focused lens on the broader phenomena of data proliferation and data monetization. Thus, open banking and its related legal and economic issues along with policy ideas, such as consumer financial data rights, can serve as an interesting model for the broader policy discussion on general data rights. Open banking is a specific manifestation of the revolution of consumer technology in banking and will dramatically change not only how we bank but also the world of finance and how we interact with it. Since the United Kingdom along with the rest of the European Union adopted rules requiring banks to share customer data to improve competition in the banking sector, a wave of countries from Asia to Africa to the Americas have adopted various forms of their own open banking regimes. Among Basel Committee jurisdictions, at least fifteen jurisdictions have some form of open banking, and this number does not even include the many jurisdictions outside the Basel Committee membership with open banking activities. Although U.S. banks and market participants have been sharing customer-permissioned data for the past twenty years and there has been recent but limited policy discussions, such as the Obama administration's failed Consumer Data Privacy Bill and the Data Aggregation Principles of the Consumer Financial Protection Bureau, open banking is still a little-known concept among consumers and policymakers in the States. This book defines the concept of 'open banking' and explores key legal, policy and economic questions raised by open banking"--
Book Synopsis Proceedings of TAKE 2022 Conference by : Carla Lobo
Download or read book Proceedings of TAKE 2022 Conference written by Carla Lobo and published by Eduardo Tomé. This book was released on with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt: Foreword This volume includes papers presented at TAKE 2022 Conference The Multidisciplinary Conference on Intangibles, held in hybrid format between the 6 th and the 8 th July 2022 and hosted by Universidade Portucalense, from Porto, Portugal. Detailed information about the Conference is to be found in the Conference Website: https://take-conference2022.com/. A Book of Abstracts was also published. TAKE 2022 included 70 presentations in parallel sessions plus 5 keynotes, 3 special sessions, one doctoral workshop and 2 posters, by almost 102 participants, from 22 countries. Done after the Covid-19 crisis, TAKE 2022 was a “lets have our life back” moment, in scientific and human terms. Science advances through creativity and conferences are essential for that creativity to happen. We thank infinitely all those involved, which contributed to the success of the event. We hope to continue the TAKE saga, next year with TAKE 2023, that will be announced very soon. Best wishes and kindest regards. Eduardo Tomé, on behalf of the Organizing Committee
Book Synopsis Rethinking the Right to Data Portability in the Transition from Open Banking to Open Finance in the EU by : José Daniel Sánchez Quiñones
Download or read book Rethinking the Right to Data Portability in the Transition from Open Banking to Open Finance in the EU written by José Daniel Sánchez Quiñones and published by Editora Dialética. This book was released on 2024-05-28 with total page 81 pages. Available in PDF, EPUB and Kindle. Book excerpt: Amidst the transition from Open Banking to Open Finance across the European Union (EU), this insightful book delves into how individuals' control over their data is impacted. With Open Banking reshaping data sharing, the EU seeks to extend this model to sectors like insurance through Open Finance. The research examines how this shift affects the Right to Data Portability (RDP), giving users the ability to manage and transfer their data among financial service providers. Through qualitative analysis, it clarifies the dynamics between RDP, Open Banking, and Open Finance. Chapters trace the regulatory evolution, explore standardization efforts like the 'SEPA API Access Scheme', and address challenges such as defining data categories and legal processing grounds. The book advocates for a user-centric approach to Open Finance regulation, emphasizing trust and privacy in the digital financial landscape. Texto de contracapa: Amidst the transition from Open Banking to Open Finance across the European Union (EU), this insightful book delves into how individuals' control over their data is impacted. With Open Banking reshaping data sharing, the EU seeks to extend this model to sectors like insurance through Open Finance. The research examines how this shift affects the Right to Data Portability (RDP), giving users the ability to manage and transfer their data among financial service providers. Through qualitative analysis, it clarifies the dynamics between RDP, Open Banking, and Open Finance. Chapters trace the regulatory evolution, explore standardization efforts like the 'SEPA API Access Scheme', and address challenges such as defining data categories and legal processing grounds. The book advocates for a user-centric approach to Open Finance regulation, emphasizing trust and privacy in the digital financial landscape.
Download or read book Open Banking written by Markus Bramberger and published by Springer Nature. This book was released on 2022-03-05 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this essential, Markus Bramberger examines the development of open banking and its products in Europe. The author answers specific questions about possible substitution scenarios with regard to traditional - non-opening - financial institutions. Against the background of this challenging, risky, but also opportunity-generating time in the financial sector, the reader acquires a focused knowledge of open banking and FinTech topics.
Book Synopsis Open Banking and Financial Inclusion by : Ellie Duncan
Download or read book Open Banking and Financial Inclusion written by Ellie Duncan and published by Kogan Page Publishers. This book was released on 2024-04-03 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Open Banking and Financial Inclusion enables readers to make informed decisions about open banking. Open Banking creates opportunities to develop more innovative products, increase customer satisfaction, and has the potential to open up access to financial services to those previously excluded and underbanked. Open Banking and Financial Inclusion reviews the opportunities, realities and limitations of open banking as it pertains to social inclusion, acknowledging the importance of impact and authenticity in ESG actions. It considers whether open banking is really working for the benefit of consumers by speaking to key people across the open banking, fintech and data sharing industry and also explores how banks and fintechs are measuring their social impact. Readers will gain insights from real people about their journey from financial exclusion to inclusion, and the part played by open banking. They will also access case studies offering an in-depth picture of how open banking has developed in both emerging and developed markets and where open banking has been successful in promoting financial inclusion. Open Banking and Financial Inclusion investigates the ultimate intention of open banking and its lead up to open finance.
Download or read book Open Banking written by Gerardus Blokdyk and published by 5starcooks. This book was released on 2018-01-16 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: What are the top 3 things at the forefront of our Open Banking agendas for the next 3 years? Are there any specific expectations or concerns about the Open Banking team, Open Banking itself? Will team members perform Open Banking work when assigned and in a timely fashion? How do we Lead with Open Banking in Mind? Are we making progress? and are we making progress as Open Banking leaders? This powerful Open Banking self-assessment will make you the established Open Banking domain master by revealing just what you need to know to be fluent and ready for any Open Banking challenge. How do I reduce the effort in the Open Banking work to be done to get problems solved? How can I ensure that plans of action include every Open Banking task and that every Open Banking outcome is in place? How will I save time investigating strategic and tactical options and ensuring Open Banking opportunity costs are low? How can I deliver tailored Open Banking advice instantly with structured going-forward plans? There's no better guide through these mind-expanding questions than acclaimed best-selling author Gerard Blokdyk. Blokdyk ensures all Open Banking essentials are covered, from every angle: the Open Banking self-assessment shows succinctly and clearly that what needs to be clarified to organize the business/project activities and processes so that Open Banking outcomes are achieved. Contains extensive criteria grounded in past and current successful projects and activities by experienced Open Banking practitioners. Their mastery, combined with the uncommon elegance of the self-assessment, provides its superior value to you in knowing how to ensure the outcome of any efforts in Open Banking are maximized with professional results. Your purchase includes access details to the Open Banking self-assessment dashboard download which gives you your dynamically prioritized projects-ready tool and shows your organization exactly what to do next. Your exclusive instant access details can be found in your book.
Book Synopsis The Fintech Disruption by : Thomas Walker
Download or read book The Fintech Disruption written by Thomas Walker and published by Springer Nature. This book was released on 2023-02-24 with total page 395 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides both practice-oriented and academic insights into the disruptive power of fintech for the banking industry. It explores (1) whether and how the banking industry can use newly emerging technologies in the financial sphere to its advantage while managing any associated risks, (2) how these technologies affect traditional banking service formats as well as the pricing of these services, and (3) whether the emergence of fintech in the banking industry calls for a rethinking of existing banking regulations such as the Basel Accords as well as country-specific regulations. Prior publications in this area typically examine both current applications of fintech in the banking industry, as well as its future prospects, by analyzing actual cases or exploring the impact of a single emerging technology on the banking industry. They often ignore the interdependence between emerging technologies and overlook the connection between fintech as a whole and the future of the banking industry. This book addresses this gap by providing a comprehensive overview of various fintech applications and by analyzing what they mean for the future of banking. Given the potentially disruptive power of fintech, the book will focus on the challenges banking supervisors are likely to encounter as a result of fintech’s continual ascent. It will thus encourage readers to think about and explore how to find a balance between the beneficial aspects of fintech and the challenges it creates in terms of supervision, regulation, and risk management.
Download or read book Banking on Data written by Scott Farrell and published by Kluwer Law International B.V.. This book was released on 2023-03-09 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: International Banking and Finance Law Series, Volume 37 Despite open banking’s broad emergence in a variety of jurisdictions and the ambition shared for the benefits it is to deliver, there is a distinct lack of detailed analysis of the legal features which are needed for it to be effectively established. This indispensable study is the first to analyse open banking’s legal foundations by reference to banking law rather than to privacy law or competition law. With a detailed focus on the mature open banking systems of Australia and the United Kingdom, including Australia’s Consumer Data Right, the book’s thoroughgoing legal perspective provides a comprehensive framework which can be used to evaluate and design open banking in any jurisdiction. The presentation proceeds through a comparison of the legal rights, responsibilities, and relationships under open banking systems with equivalent rights in traditional banking payment systems. This process clearly reveals and addresses such salient open banking and data-sharing issues as the following: what data should be shareable and who should be required to share data; how data should be shared and how rights to share data should be established; the role of data minimisation and the role of consent; how laws, standards, rules, and technology interact in an open banking system; how open banking fosters competition, innovation, and financial inclusion; how consumer protection can be included by design; management of quality and security of shared data; facilitation and regulation of participation; legal relationships and allocation of liability among participants; compensation for customers if something goes wrong; strategic challenges and opportunities; enforceability and insolvency; systemic efficacy and safety; and the role of trust. Also included is an assessment framework designed to categorise the risks which arise in open banking and other data-sharing systems. As a systematic appraisal of how banking law can be used to ensure the customer autonomy, data portability, recipient accountability and participant connectivity promised by open banking systems, the book’s legal perspective on the value of customer data will prove of inestimable value for lawyers in banking and finance, as well as for professionals in financial services or information technology.
Book Synopsis NEW MODEL OF SHARIA BANKING STRATEGY IN INDONESIA: KPPS ONLINE REPORT by : Cakti Indra Gunawan
Download or read book NEW MODEL OF SHARIA BANKING STRATEGY IN INDONESIA: KPPS ONLINE REPORT written by Cakti Indra Gunawan and published by IRDH Book Publisher. This book was released on 2018-10-01 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is focused on Sharia Banking Strategy to face ASEAN Economic Community (AEC). This topic is discussed broad and deep at the same time to give better understanding for economic and business student as well as lecturer and practitioner. A new strategy called KPPS Strategy is found by research based on this book.
Book Synopsis PSD2 Empowering Or Emasculating FinTech? by : Alasdair Gilchrist
Download or read book PSD2 Empowering Or Emasculating FinTech? written by Alasdair Gilchrist and published by . This book was released on 2017-11 with total page 418 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although this book is primarily concerned with the explanation and technical implementation of the Regulatory Technology Standard for Strong Customer Authentication under the PSD2 it does also contemplate that despite the PSD2 perhaps being commonly perceived to favour the nascent FinTech industry against the traditional banks that it may prove otherwise. Indeed as we delve deeper in to the technical requirements of the RTS directives it doesn't take long to realise that PSD2 is far from being a FinTech enabler and that it is more likely a FinTech killer.
Book Synopsis Acceptance of Open-Banking Technology in Consumer Lending Applications by : Thomas Nöding
Download or read book Acceptance of Open-Banking Technology in Consumer Lending Applications written by Thomas Nöding and published by GRIN Verlag. This book was released on 2023-04-28 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: Master's Thesis from the year 2022 in the subject Economics - Finance, grade: 1,0, Karlsruhe Institute of Technology (KIT) (Department of Finance and Banking), language: English, abstract: This master thesis investigates the influencing factors on consumers’ willingness to share their personal and financial information through open-banking technology in different financing and lending scenarios (e-commerce, car financing, and mortgage). To achieve this, a survey-based empirical study was conducted, covering a variety of questions regarding demographic factors as well as measured preferences and stances along the dimensions of tech-savviness, open-banking knowledge, privacy concerns and financial literacy. The analysis of over 143 survey responses shows how these factors influence and explain, to what extent and under which conditions a consumer is willing to let a company digitally take a direct look into his bank account. The gained results and insights provide a basis to define best practices and use cases for scenarios in which open-banking technology can add value to all parties involved. Since January 12th, 2016, the EU's second payment services directive (PSD2) has been in force. A key point within the PSD2 is the obligation of banks to make the information of their customers and their associated bank accounts available to third parties via standardized interfaces. A concept that is widely referred to as open-banking. One major field of application of open-banking technology lies within consumer credit application processes. The main idea is that lenders (financial institutions as well as non-financial / retail companies) can get access to the information contained in bank accounts, such as transaction history and balances, by explicit consent of the consumer. The purpose of this is to make more informed decisions as to whether or not to extend credit to the specific person in scope.
Book Synopsis Value-Based Management in an Open Economy by : Walter Amedzro St-Hilaire
Download or read book Value-Based Management in an Open Economy written by Walter Amedzro St-Hilaire and published by CRC Press. This book was released on 2022-10-17 with total page 472 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book investigates the relationship between strategy optimization mechanisms and the efficiency (performance and productivity) in the digital and open economy. The aim of this question on the interactions between strategies, performance, and market forms is to understand how, at the level of value-based management, productivity determines the optimized strategies and how the optimization process is modified according to the performance of the firm. Value-Based Management in an Open Economy: Optimizing Strategy to Improve Business and Performance outlines the conditions under which this relationship is negative, neutral, or positive in the banking sector. Applying economic and managerial principles, the book demonstrates that problems related to the competitive advantage can be successfully analyzed like all other business problems, using traditional tools of economics, finance, and strategy (provided that the dynamics of industry-specific interactions are considered). The author argues that the ability of firms to improve their performance depends on the structure in which these organizations compete and their ability to optimize their value-based management. Key features: Captures the diversity and the interconnection of management control and firm performance issues Analyzes the challenges of contemporary management control in order to provide transversal and sustainable strategic solutions Promotes understanding of the prospects of optimizing mechanisms This volume is intended primarily for those who will be called upon to work as researchers or professionals in the fields of corporate governance and value-based management. The book identifies the technical practices and proposes mechanisms to encourage growth and improve performance. The book will be helpful for renewing strategic approaches and value-based mechanisms in a digital and open economy.
Book Synopsis Marketplace Lending, Financial Analysis, and the Future of Credit by : Ioannis Akkizidis
Download or read book Marketplace Lending, Financial Analysis, and the Future of Credit written by Ioannis Akkizidis and published by John Wiley & Sons. This book was released on 2015-12-07 with total page 344 pages. Available in PDF, EPUB and Kindle. Book excerpt: The time for financial technology innovation is now Marketplace Lending, Financial Analysis, and the Future of Credit clearly explains why financial credit institutions need to further innovate within the financial technology arena. Through this text, you access a framework for applying innovative strategies in credit services. Provided and supported by financial institutions and entrepreneurs, the information in this engaging book encompasses printed guidance and digital ancillaries. Peer-to-peer lenders are steadily growing within the financial market. Integrating peer-to-peer lending into established credit institutions could strengthen the financial sector as a whole, and could lead to the incorporation of stronger risk and profitability management strategies. Explain (or Explore) approaches and challenges in financial analysis applied to credit risk and profitability Explore additional information provided via digital ancillaries, which will further support your understanding and application of key concepts Navigate the information organised into three subject areas: describing a new business model, knowledge integration, and proposing a new model for the Hybrid Financial Sector Understand how the rise of fintech fits into context within the current financial system Follow discussion of the current status quo and role of innovation in the financial industry, and consider the financial technology innovation landscape from the perspective of an entrepreneur Marketplace Lending, Financial Analysis, and the Future of Credit is a critical text that bridges the gap in understanding between financial technology entrepreneurs and credit institutions.
Book Synopsis The Oxford Handbook of International Business Strategy by : Kamel Mellahi
Download or read book The Oxford Handbook of International Business Strategy written by Kamel Mellahi and published by Oxford University Press. This book was released on 2021-01-07 with total page 519 pages. Available in PDF, EPUB and Kindle. Book excerpt: The growth of the multinational enterprise (MNE) has led to an increasing interest in international business strategy from scholars, professionals, and policy makers alike. MNEs must contend with challenges in both their home and host international markets, and increasingly uncertain conditions in the international business environment demand superior firm-level capabilities for multinational firms to achieve and maintain competitive advantages in the long-run. This Handbook explores the progress made in international business strategy theory and practice in the last few decades. Written by an international team of leading experts, it captures the differences in motivations and decision-making processes between smaller and larger firms, private, family, and state owned firms, and emerging or developed market multinationals. It elaborates on the links between international strategy and the social responsibilities of the firm in its various host market contexts, including the deployment of effective and ethical human resource practices in international markets. Most importantly, it lays out how the classic principles of international competitive strategy are transformed in today's markets, in great part due to digitalization, and provides suggestions on how MNEs can develop international business strategies to respond to these transformations. The implications of these discussions for strategy and practice are becoming ever more profound. This Handbook will prove a valuable resource for both international business scholars and practitioners.
