مجلة نماء للإقتصاد والتجارة
Volume 7, Numéro 1, Pages 409-420
2023-06-30
The Open Banking Framework, Considerations, Implications And Perspectives: Reading In The European Experience
Authors : Berkane Imene . Guechi Meriem .
Abstract
The financial services industry is undergoing massive changes; the days of traditional financial services – of merely providing products – are over. The open banking and the Second Payment Services Directive (PSD2) are upending the culture of financial services. It is a pioneering initiative designed to increase competition and innovation. The article aims to identify open banking influence on the banking industry as the first significant attempt to use technology to rebalance markets in favour of consumers. The study concludes that open banking is a revolution in the digital transformation within the financial and banking sector, which will bring opportunities as well as risks and challenges for all actors involved in a commercial or financial transaction.
Keywords
Open banking system, ; Fintech ; PSD2
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