Global perspectives on open banking: Regulatory impacts and market response

Erdinc Akyildirim, Shaen Corbet, Abhishek Mukherjee and Michael Ryan

Journal of International Financial Markets, Institutions and Money, 2025, vol. 101, issue C

Abstract: This study investigates the adoption of open banking across several diverse global jurisdictions, focusing specifically on regulatory and market implications. Employing a comparative analysis, we examine the dual nature of open banking as both a regulatory framework and a technological innovation, exploring how different regulatory approaches shape its implementation and market reception. Results indicate significant variation in market responses to open banking announcements, presenting evidence of the underlying factors driving these disparities, such as the role of regulatory environments, technological infrastructures, and bank size in shaping market reactions.

Keywords: Open banking; Regulation; Financial markets; Integration; Technological development (search for similar items in EconPapers)
JEL-codes: F36 G14 G21 G28 O33 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:eee:intfin:v:101:y:2025:i:c:s1042443125000496

DOI: 10.1016/j.intfin.2025.102159

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