客户数据访问和金融科技入门：开放银行的早期证据-105页

Customerdataaccessandfintechentry:earlyevidencefromopenbankingStaffWorkingPaperNo.1,059February2024TaniaBabina,SaleemBahaj,GregBuchak,FilippoDeMarco,AngusFoulis,WillGornall,FrancescoMazzolaandTongYuStaffWorkingPapersdescriberesearchinprogressbytheauthor(s)andarepublishedtoelicitcommentsandtofurtherdebate.Anyviewsexpressedaresolelythoseoftheauthor(s)andsocannotbetakentorepresentthoseoftheBankofEnglandortostateBankofEnglandpolicy.ThispapershouldthereforenotbereportedasrepresentingtheviewsoftheBankofEnglandormembersoftheMonetaryPolicyCommittee,FinancialPolicyCommitteeorPrudentialRegulationCommittee.WearegratefultoMarkBoydforsharingPlatformable’sdataandZhaochenJiangforoutstandingresearchsupport.Forcomments,wearegratefultoIshaAgarwal,JonathanBerk,BoBian,CharlieCalomiris,OlivierDarmouni,DouglasDiamond,MaryamFarboodi,ZhiguoHe,SeanHiggins,SteveKaplan,ArvindKrishnamurthy,TheresaKuchler,LucLaeven,StefanNagel,TomekPiskorski,RaguRajan,AmitSeru,AmirSufi,AnsgarWalther,LuigiZingales,YaoZeng,andseminarandconferenceaudiencesattheBarcelonaSummerForum;BankofCanadaworkshop;BankofSweden;CKGSB;Columbia;HECLausanne;EFA;EntrepreneurshipandInnovationatNovaSBE;ErasmusUniversityinRotterdam;EsadeSpringWorkshop(Barcelona);FDIC21stAnnualBankResearchConference;FIRS;HECWorkshoponEntrepreneurship;ImperialCollegeLondon;MaastrichtUniversity;N...