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Customer Data Access and Fintech Entry: Early Evidence from Open Banking

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NBER2024-02-01 更新2025-01-04 收录
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Open banking (OB) empowers bank customers to share transaction data with fintechs and other banks. 49 countries have adopted OB policies. Consumer trust in fintechs predicts OB policy adoption and adoption spurs investment in fintechs. UK microdata shows that OB enables: i) consumers to access both

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2024-02-01
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