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Tytuł:
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Open banking: A bibliometric analysis-driven definition.
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Autorzy:
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Briones de Araluze GK; Universidad Pontificia Comillas, Madrid, Spain.
Cassinello Plaza N; Departament of Financial Management, Facultad de Ciencias Económicas y Empresariales, Universidad Pontificia Comillas, Madrid, Spain.
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Źródło:
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PloS one [PLoS One] 2022 Oct 03; Vol. 17 (10), pp. e0275496. Date of Electronic Publication: 2022 Oct 03 (Print Publication: 2022).
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Typ publikacji:
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Journal Article
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Język:
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English
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Imprint Name(s):
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Original Publication: San Francisco, CA : Public Library of Science
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MeSH Terms:
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Bibliometrics*
Commerce*
Humans
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References:
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Palliat Med. 2008 Apr;22(3):222-32. (PMID: 18477716)
Scientometrics. 2010 Aug;84(2):523-538. (PMID: 20585380)
Front Artif Intell. 2020 Oct 15;3:63. (PMID: 33733180)
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Entry Date(s):
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Date Created: 20221003 Date Completed: 20221005 Latest Revision: 20221013
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Update Code:
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20240105
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PubMed Central ID:
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PMC9529117
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DOI:
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10.1371/journal.pone.0275496
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PMID:
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36190983
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"Open banking," as a concept, was initially developed by a UK regulation to foster competition in banking through sharing client data (with their consent) amongst competitors. Today, it is regulated in several most relevant banking jurisdictions. Despite its growing relevance, consensus about the definition of open banking is lacking. This study examines 282 articles on open banking using bibliometric clustering techniques. Moreover, within the 282 articles and applying discourse analysis, we analyze 47 idiosyncratic definitions of open banking to test an integral framework that supports our proposed definition of the concept. Our study contributes to the literature by providing a generalized multidisciplinary definition of open banking. It identifies four main drivers behind the concept: business model change, client data sharing, incorporation of technological companies (fintechs and others), and regulation. These four elements, which should be considered in new regulations in the globalized banking sector, foresee open banking as a critical enabler of a new strategic dynamic in banking.
Competing Interests: The authors have declared that no competing interests exist.
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