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The Evolving Interdependencies between Banks and Fintechs within Open Banking Platforms
Lund University, Lund, Sweden.
Halmstad University, School of Information Technology. Kristiania University College, Oslo, Norway.
2023 (English)In: International Conference on Information Systems, ICIS 2023: "Rising like a Phoenix: Emerging from the Pandemic and Reshaping Human Endeavors with Digital Technologies", Hyderabad: Association for Information Systems, 2023Conference paper, Published paper (Refereed)
Abstract [en]

The enactment of the revised Payment Services Directive (PSD2) by the European Union, has pushed banks to develop digital open banking platforms to enhance market competition and promote innovation in the banking industry. PSD2 mandates banks to offer APIs to provide access to banking data to external third-party providers (TPPs). This mandate might disrupt the role of banks since external complementors such as fintechs have the legal right to access and leverage banking data to offer innovative banking services. As such, the emergence of regulated open banking platforms engenders complex interdependent relationships between banks and fintechs. Drawing on a case of an open banking platform by Nordea Bank, we aim to examine these interdependencies with emphasis on the engagement between banks and external complementors in a regulated platform context. We conclude with insights into the lack of access control by platform owners and new conditions of platform openness. © 2023 International Conference on Information Systems, ICIS 2023: "Rising like a Phoenix: Emerging from the Pandemic and Reshaping Hu. All Rights Reserved.

Place, publisher, year, edition, pages
Hyderabad: Association for Information Systems, 2023.
Keywords [en]
Compliance, Digital Platforms, Open banking, PSD2
National Category
Information Systems
Identifiers
URN: urn:nbn:se:hh:diva-53186Scopus ID: 2-s2.0-85192537336OAI: oai:DiVA.org:hh-53186DiVA, id: diva2:1851272
Conference
44th International Conference on Information Systems: Rising like a Phoenix: Emerging from the Pandemic and Reshaping Human Endeavors with Digital Technologies, ICIS 2023, Hyderabad, India, 10-13 December, 2023
Available from: 2024-04-12 Created: 2024-04-12 Last updated: 2024-06-28Bibliographically approved

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Ghazawneh, Ahmad

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CiteExportLink to record
Permanent link

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Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf