Regulating Open Banking

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Regulating Open Banking

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Author : Chang-Hsien Tsai
language : en
Publisher: Taylor & Francis
Release Date : 2022-11-29

Regulating Open Banking written by Chang-Hsien Tsai and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-11-29 with Business & Economics categories.

FinTech transformations have brought changes to the global financial markets and merit the attention of financial regulators across jurisdictions. This book is one of the first ones of its kind to look at open banking (OB). It examines regulatory approaches to OB by taking a broad view of comparative legal systems and through perspectives of transaction costs, public choice, and institutional design. The book looks at the legal implications by engaging in a two-tiered comparative analysis: comparing between compulsory and voluntary approaches to OB policies and comparing the legal systems between the West (i.e., the EU and the UK) and an Asian economy (i.e., Taiwan).

Open Banking

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Author : Francesco De Pascalis
language : en
Publisher: Taylor & Francis
Release Date : 2024-05-01

Open Banking written by Francesco De Pascalis and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-05-01 with Business & Economics categories.

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.

Technical Note On Open Banking

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Author : World Bank
language : en
Publisher:
Release Date : 2022

Technical Note On Open Banking written by World Bank and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with categories.

Open banking has emerged strongly in the past few years as a system to give customers the right to share with parties they trust the information that banks have about them in a secure manner and also as a way to open up processes and services in banking. The main objectives pursued by regulatory frameworks that define open banking are generally encouraging innovation and fostering competition, resulting in new products and services at competitive prices to the benefit of consumers. With that in mind, and with the United Kingdom as a first mover, different regulatory approaches have been developed. Some of them are regulatory driven, while in other cases, with a hands-off approach, they have been led by industry. In between, we also find collaborative models in which both the public sector and private-party players are instrumental to the definition and adoption of open banking. Regulatory approaches also differ in the scope of data that is to be shared, the definition of the financial institutions that have to publish their application programming inter-faces and share data, the mandatory or voluntary nature of the framework, the definition of the type of license that third-party providers need to operate, and the definition or not of concrete standards, among other things. While there is no single right approach, there are common challenges that countries considering regulation certainly need to bear in mind in terms of the definition and interoperability of technical standards, security, governance, and consent and authentication mechanisms. Although open-banking regulatory frameworks have been operating for less than two years at most, early lessons can be drawn from the first movers and the debates that are taking place between regulators and market participants.

Issues In Bank Regulation

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Author :
language : en
Publisher:
Release Date : 1984

Issues In Bank Regulation written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1984 with Bank management categories.

The Orders In Council For The Regulation Of The Naval Service

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Author : Great Britain. Privy Council
language : en
Publisher:
Release Date : 1873

The Orders In Council For The Regulation Of The Naval Service written by Great Britain. Privy Council and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1873 with categories.

The Convention Manual Of Procedure Forms And Rules For The Regulation Of Business In The Sixth New York State Constitutional Convention 1894 V 1 2 American Constitutions

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Author : New York (State). Constitutional Convention
language : en
Publisher:
Release Date : 1894

The Convention Manual Of Procedure Forms And Rules For The Regulation Of Business In The Sixth New York State Constitutional Convention 1894 V 1 2 American Constitutions written by New York (State). Constitutional Convention and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1894 with Constitutional conventions categories.

Open Banking And Regulation

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Author : Rob Babin
language : en
Publisher:
Release Date : 2022

Open Banking And Regulation written by Rob Babin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022 with Banks and banking categories.

Open Banking allows consumers to take advantage of data-driven financial services by sharing data held at one organization with another organization, typically between financial institutions and trusted third parties. Open Banking is consumer controlled, secure, and protects privacy. These new services represent an innovative and growing market. Clear and fair rules, industry coordination, and technical standards are needed to avoid fragmentation and to build a robust market that serves all consumers and Small and Medium Enterprises. International developments in jurisdictions such as the UK and Australia have demonstrated the expected benefits that Open Banking can deliver to consumers. The challenge to governments in North America is to adopt a consistent framework that provides the security and protections consumers need while at the same time providing flexibility for innovation and streamlining of banking services using the Open Banking model. A key question for implementation of Open Banking will be the balance of activity and involvement between government and the private sector. An unbalanced Open Banking model will likely fail; a balanced Open Banking model can bring tremendous value to society. This teaching case asks students to first understand the benefits and challenges of Open Banking for many stakeholders, and then to recommend on how to proceed (or not) with implementation. The case is written from a North American perspective, that is, the USA and Canada.

Banking Law And Regulation

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Author : Jonathan R. Macey
language : en
Publisher: Aspen Publishers
Release Date : 2002-09-19

Banking Law And Regulation written by Jonathan R. Macey and has been published by Aspen Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002-09-19 with Law categories.

If you want your Banking Law course to reflect the most recent developments in the industry And The regulatory strcuture that surrounds it, this updated statutory supplement is your ideal teaching tool. The well-respected authors draw on their extensive classroom experience to make sure their supplement contains everything you need to illustrate and demonstrate key concepts.

Journal Of The American Bankers Association

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Author : American Bankers Association
language : en
Publisher:
Release Date : 1917

Journal Of The American Bankers Association written by American Bankers Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1917 with Banks and banking categories.

Journal Of The American Bankers Association

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Author :
language : en
Publisher:
Release Date : 1916

Journal Of The American Bankers Association written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1916 with Banks and banking categories.