The dissertation proposed is positioned in the domain of the Banking Industry. In particular the subject of the dissertation pertains to the introduction of Open Banking inside the Banking industry. In particular, what has been proposed is the link, at a European level, between Open Banking adoption and the introduction of the PSD2, the new regulation introduced in order to foster Open Banking adoption and enhance the level of competition inside the Banking industry. Furthermore, the dissertation has the aim to represent a starting point for the topic to create and draw a scenario of the adoption and the differences created by the adoption of Open Banking around Europe. In order to accomplish the task proposed, a census over the actors active at a European level has been created. Based on the results coming from analysis conducted over the census developed, many other information about the different level and characteristics of the actors adopting Open Banking. Moreover, having analyzed the provenance, target, core business and other peculiarities about the actors present in the census some conclusions about the topic have been set, taking into account the limitations found during the development of the dissertation. In conclusion the dissertation point at becoming the standard base for next development of the census in order to keep monitored the level and the actors adopting Open Banking at a European level as well as worldwide.
La tesi proposta si inserisce nel filone degli articoli accademici riguardo il settore finanziario ed in particolare le banche, trattando il tema legato all'introduzione dell'Open Banking. Quello che è evidenziato durante l'elaborato è il legame, a livello europeo, tra l'adozione dell'Open Banking e l'entrata in vigore della PSD2, la nuova normativa introdotta in Europa per spingere gli attori verso l'adozione dell'Open Banking e per incrementare il la competizione all'interno del settore. La tesi proposta ha inoltre l'obiettivo di fungere come punto di partenza riguardo l'argomento, in modo da creare una visione d'insieme in ambito europeo riguardo il livello di adozione raggiunto da ciascun paese. Per portare a termine questo obiettivo è stato realizzato un censimento tra gli attori presenti ed attivi a livello europeo. Dai risultati ottenuti attraverso delle analisi effettuate utilizzando un tool per l'analisi di grosse quantità di dati, sono state acquisite molte altre informazioni riguardo le caratteristiche degli attori coinvolti nel censimento. Sono state quindi analizzate la provenienza, il target di clientela, il core business e altre caratteristiche di ciascuna azienda, sono state definite alcune conclusioni riguardo l'argomento, tenendo in considerazione le limitazioni e difficoltà incontrate durante l'analisi svolta. In conclusione la tesi proposta mira a diventare una base di partenza per i futuri studi e censimenti per poter monitorare costantemente il livello di adozione e le caratteristiche degli attori che inizieranno ad utilizzare l'Open Banking, tutto questo sia a livello europeo che a livello mondiale.
Open banking and PSD2 : a census of the new actors introduced at a European level
LUCCHESI, LEONARDO
2018/2019
Abstract
The dissertation proposed is positioned in the domain of the Banking Industry. In particular the subject of the dissertation pertains to the introduction of Open Banking inside the Banking industry. In particular, what has been proposed is the link, at a European level, between Open Banking adoption and the introduction of the PSD2, the new regulation introduced in order to foster Open Banking adoption and enhance the level of competition inside the Banking industry. Furthermore, the dissertation has the aim to represent a starting point for the topic to create and draw a scenario of the adoption and the differences created by the adoption of Open Banking around Europe. In order to accomplish the task proposed, a census over the actors active at a European level has been created. Based on the results coming from analysis conducted over the census developed, many other information about the different level and characteristics of the actors adopting Open Banking. Moreover, having analyzed the provenance, target, core business and other peculiarities about the actors present in the census some conclusions about the topic have been set, taking into account the limitations found during the development of the dissertation. In conclusion the dissertation point at becoming the standard base for next development of the census in order to keep monitored the level and the actors adopting Open Banking at a European level as well as worldwide.| File | Dimensione | Formato | |
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Open Banking and PSD2. A census of the new actors introduced at a European level..pdf
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https://hdl.handle.net/10589/153352