Universidad Pontificia Comillas, Madrid, Spain.
Departament of Financial Management, Facultad de Ciencias Económicas y Empresariales, Universidad Pontificia Comillas, Madrid, Spain.
PLoS One. 2022 Oct 3;17(10):e0275496. doi: 10.1371/journal.pone.0275496. eCollection 2022.
"Open banking," as a concept, was initially developed by a UK regulation to foster competition in banking through sharing client data (with their consent) amongst competitors. Today, it is regulated in several most relevant banking jurisdictions. Despite its growing relevance, consensus about the definition of open banking is lacking. This study examines 282 articles on open banking using bibliometric clustering techniques. Moreover, within the 282 articles and applying discourse analysis, we analyze 47 idiosyncratic definitions of open banking to test an integral framework that supports our proposed definition of the concept. Our study contributes to the literature by providing a generalized multidisciplinary definition of open banking. It identifies four main drivers behind the concept: business model change, client data sharing, incorporation of technological companies (fintechs and others), and regulation. These four elements, which should be considered in new regulations in the globalized banking sector, foresee open banking as a critical enabler of a new strategic dynamic in banking.
“开放银行”这一概念最初是由英国监管机构提出的，旨在通过在竞争对手之间共享客户数据（经客户同意）来促进银行竞争。如今，它在几个最重要的银行监管辖区受到监管。尽管它的相关性日益增强，但对于开放银行的定义尚未达成共识。本研究使用文献计量聚类技术对 282 篇关于开放银行的文章进行了研究。此外，在这 282 篇文章中，我们应用话语分析方法，分析了开放银行的 47 个独特定义，以测试一个整体框架，该框架支持我们对该概念的建议定义。本研究通过提供一个广义的多学科开放银行定义，为文献做出了贡献。它确定了该概念背后的四个主要驱动因素：商业模式的改变、客户数据的共享、科技公司（金融科技公司和其他公司）的加入以及监管。这四个要素应在全球化银行业的新法规中加以考虑，将开放银行视为银行新战略动态的关键推动者。
