开放银行对美国金融业的影响

Tatiana Chadaeva
{"title":"开放银行对美国金融业的影响","authors":"Tatiana Chadaeva","doi":"10.18254/s207054760007179-3","DOIUrl":null,"url":null,"abstract":"The article considers the impact of open banking on the banking industry in the United States and other countries. The role of digital technologies in the implementation of open banking is revealed. The legislative acts that require EU banks to join the open banking system are considered. The reasons that retard the development of open banking in the United States, were studied. There was assessed a role of fintech giants and fintech startups in the development of digital technologies in the banking industry and the transition to open banking. The need for introduction of open banking is necessary due to external reasons the emergence of companies that provide banking services related to accounting and payment tracking, the necessity to satisfy the needs of customers who are using digital technologies. Opportunities and risks for large, medium and small banks were considered. Small banks will meet difficulties if compete with medium and small banks due to lack of resources. The open banking development is impossible without technology of application programming interfaces (APIs) and interaction of banks with fintech giants and startups. Particular attention is paid to the role of regulatory authorities in the implementation of open banking in the European Union, the adoption of the Payment Services Directive PSD2. In the USA, the problems in the development of open banking are recognized due to the reluctance of many banks to provide third-party companies with access to customer accounts and the fragmentation of the US regulatory system that regulates the activities of fintech companies. Traditional banks may be transformed in three ways: bank as a platform, bank as an integrator, bank as a producer.","PeriodicalId":234634,"journal":{"name":"Russia and America in the 21st Century","volume":"87 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2019-10-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"The Impact of Open Banking on the US Finance Industry\",\"authors\":\"Tatiana Chadaeva\",\"doi\":\"10.18254/s207054760007179-3\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The article considers the impact of open banking on the banking industry in the United States and other countries. The role of digital technologies in the implementation of open banking is revealed. The legislative acts that require EU banks to join the open banking system are considered. The reasons that retard the development of open banking in the United States, were studied. There was assessed a role of fintech giants and fintech startups in the development of digital technologies in the banking industry and the transition to open banking. The need for introduction of open banking is necessary due to external reasons the emergence of companies that provide banking services related to accounting and payment tracking, the necessity to satisfy the needs of customers who are using digital technologies. Opportunities and risks for large, medium and small banks were considered. Small banks will meet difficulties if compete with medium and small banks due to lack of resources. The open banking development is impossible without technology of application programming interfaces (APIs) and interaction of banks with fintech giants and startups. Particular attention is paid to the role of regulatory authorities in the implementation of open banking in the European Union, the adoption of the Payment Services Directive PSD2. In the USA, the problems in the development of open banking are recognized due to the reluctance of many banks to provide third-party companies with access to customer accounts and the fragmentation of the US regulatory system that regulates the activities of fintech companies. Traditional banks may be transformed in three ways: bank as a platform, bank as an integrator, bank as a producer.\",\"PeriodicalId\":234634,\"journal\":{\"name\":\"Russia and America in the 21st Century\",\"volume\":\"87 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2019-10-29\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Russia and America in the 21st Century\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.18254/s207054760007179-3\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Russia and America in the 21st Century","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.18254/s207054760007179-3","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0

摘要

本文考虑了开放银行对美国和其他国家银行业的影响。揭示了数字技术在开放银行实施中的作用。考虑要求欧盟银行加入开放银行体系的立法行为。分析了阻碍美国开放银行发展的原因。评估了金融科技巨头和金融科技初创企业在银行业数字技术发展和向开放式银行转型中的作用。引入开放银行是必要的,因为外部原因,提供与会计和付款跟踪相关的银行服务的公司的出现,必须满足使用数字技术的客户的需求。考虑了大、中、小银行的机遇和风险。由于缺乏资源,小银行在与中小银行竞争时会遇到困难。开放银行的发展离不开应用程序编程接口(api)技术以及银行与金融科技巨头和初创企业的互动。特别关注监管机构在欧盟实施开放式银行业务中的作用,通过支付服务指令PSD2。在美国,由于许多银行不愿向第三方公司提供客户账户的访问权限,以及美国监管金融科技公司活动的监管体系的碎片化,人们认识到开放式银行发展中的问题。传统银行的转型可能有三种方式:银行平台化、银行集成商化、银行生产者化。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Impact of Open Banking on the US Finance Industry
The article considers the impact of open banking on the banking industry in the United States and other countries. The role of digital technologies in the implementation of open banking is revealed. The legislative acts that require EU banks to join the open banking system are considered. The reasons that retard the development of open banking in the United States, were studied. There was assessed a role of fintech giants and fintech startups in the development of digital technologies in the banking industry and the transition to open banking. The need for introduction of open banking is necessary due to external reasons the emergence of companies that provide banking services related to accounting and payment tracking, the necessity to satisfy the needs of customers who are using digital technologies. Opportunities and risks for large, medium and small banks were considered. Small banks will meet difficulties if compete with medium and small banks due to lack of resources. The open banking development is impossible without technology of application programming interfaces (APIs) and interaction of banks with fintech giants and startups. Particular attention is paid to the role of regulatory authorities in the implementation of open banking in the European Union, the adoption of the Payment Services Directive PSD2. In the USA, the problems in the development of open banking are recognized due to the reluctance of many banks to provide third-party companies with access to customer accounts and the fragmentation of the US regulatory system that regulates the activities of fintech companies. Traditional banks may be transformed in three ways: bank as a platform, bank as an integrator, bank as a producer.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
自引率
0.00%
发文量
0
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:604180095
Book学术官方微信