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1、WHITE PAPEROPEN BANKING IN EUROPE AND ASIAA steady march forward03Introduction06Research methodology07Key survey findings08Key finding 1 The biggest drivers for banks open banking journey were revenue growth,compliance,and operational efficiency10Key finding 2 Open banking initiatives almost always

2、deliver ROI11Key finding 3 Numerous revenue opportunities are available 12Key finding 4 The first wave saw banks adopt open banking because they had to.Now banks are adopting because they see value14Conclusion Accelerating the move into open banking2 External Document 2023 Infosys LimitedContentsIn

3、Europe,India and Australia,governments have mandated that banks use APIs to create an open marketplace to give their citizens stronger options.In other countries including the US,the move is being driven by market demand as customers expect better experiences and more value from their banks.To under

4、stand attitudes and perceptions about open banking and to examine where,when,and how teams plan to invest in open banking,Infosys surveyed senior banking professionals across Australia and New Zealand(ANZ),ASEAN and Europe.Results showed that leaders at financial services organisations increasingly

5、view open banking as a growth opportunity rather than as something they need to comply with or offer because customers demand it.Interestingly,analysts indicate that the number of open banking users and third-party providers will see significant growth in coming years.In the European region,the UK w

6、hose government led the push,will have the largest number of open banking users by 2027,as per Forrester.The UK will see adoption of services(account information and payment initiation)rise from 15%of online adults in 2022 to 44%in 2027,Forester added.The number of open banking payments is also expe