ОТКРЫТЫЙ БАНКИНГ КАК ПРЕОБРАЗУЮЩАЯ ТЕНДЕНЦИЯ ИНВЕСТИЦИОННО-БАНКОВСКОЙ ДЕЯТЕЛЬНОСТИ

Abstract

The purpose of the article is to disclose the content, development prospects and features of regulation of open banking as a transformative trend in investment banking. The relevance of this problem is associated with the novelty and insufficient study of the problem of the functioning of Open Banking technology. This study is based on a systematic approach, which made it possible to present Open Banking as a system of interrelated elements that provide opportunities to improve the quality and increase the efficiency of financial transactions on its behalf. The methods used in the process of writing this article were general scientific approaches that allow us to study the problem (analysis, generalization, classification) and identify the characteristic features of the current situation in the field of implementation and use of Open Banking technology. Open banking is a transformative trend that determines the future of investment banking in many countries around the world. By addressing the challenges and capitalizing on the opportunities presented by open banking, financial institutions can make significant progress in the global financial landscape. The benefits of Open Banking are numerous, including improving the customer experience, increasing competition, and facilitating innovation in financial services. Open Banking also allows fintechs to offer personalized financial management tools, leading to increased customer engagement with the banking institution.