剑桥大学贾奇商学院：2026推动新兴市场与发展中经济体开放金融落地研究报告：激励机制、权责划分与成效评估（英文版）（137页）.pdf

1、Enabling OpenFinance in EMDEsIncentives,Liability,and Performance MeasurementJune 2026With the support ofWith the support ofIn collaboration withSuggested CitationCCAF,Fii and BIS(2026)Enabling Open Finance in EMDEs:Incentives,Liability,and Performance Measurement,Cambridge Centre for Alternative Fi

2、nance(CCAF),University of Cambridge;Financial Innovation for Impact(Fii);Bank for International Settlements(BIS)Forewords 4 Research Team and Acknowledgements 6 Executive Summary 7 Introduction 11 Research Objective and Rationale 12 Methodology 15 Report Structure 18Chapter 1 Understanding Incentive

3、s in Open Finance 19 1.1:Incentives in Open Finance 20 1.2:Commercial Incentives in Open Finance 22 1.3:Incentives for Data Holders in Open Finance 32 1.4:Incentives for Data Users in Open Finance 36 1.5:Incentives for Customers in Open Finance 39 1.6:Incentives in Open Finance:Regulatory Takeaways

4、43Chapter 2 Understanding Liability in Open Finance 46 2.1:How Liability and Dispute Resolution Work in Financial Services:The Baseline 48 2.2:Why Open Finance Changes the Picture 50 2.3:Liability Frameworks in Open Finance 54 2.4:Dispute Resolution in Open Finance 65 2.5:Liability in Open Finance:R

5、egulatory Takeaways 71Chapter 3 Understanding Performance Measurement in Open Finance 74 3.1:Measuring Success in Open Finance:Interview Insights 76 3.2:Design Principles for Performance Measurement Frameworks in Open Finance 78 3.3:Measuring Success of Open Finance in terms of Technical Outcomes 82

6、 3.4:Measuring Success of Open Finance in terms of Policy Outcomes 89 3.5:Performance Measurement in Open Finance:Regulatory Takeaways 101 Way Forward 104 Appendices 109 Governance Frameworks in Open Finance 110 Data Sharing Architecture in Open Finance 111 Key Dimensions of Consent Design in Open F