Open banking industry dynamics

The implementation of the PSD 2 in Europe, and open banking more generally across the globe, has led to a plethora of new entrants the marketplace with evolving business models, challenging both the incumbent banks and incumbent fnancial technology companies. The complex marketplace is fastmoving and diffcult to keep abreast of. This whitepaper, based on extensive market research by Arkwright, is a snapshot of the open banking value chain in the EU today, exploring the areas of heightened competition, such as data access, data processing and data presentation, activity and investment. It also looks at how competition and profit margin compression is driving consolidation in the marketplace, and predicts a potential commoditisation of components in the open banking value chain.

Author: Francesco Burelli // Steven Jacob // Sarah Winkelmann

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