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数字金融Workshop：Customer Data Access and Fintech Entry: Early Evidence from Open Banking
发布日期：2023-03-14 12:00 来源：
数字金融Workshop第四讲： Customer Data Access and Fintech Entry: Early Evidence from Open Banking
时间：3月14日 周二 北京时间 10:00-11:30
Time: Tuesday, March 14, 10:00 - 11: 30 a.m. Beijing Time
Monday, March 13, 7:00 - 8:30 p.m. U.S. PDT
地点/Venue：ZOOM
加入 Zoom 会议
https://us02web.zoom.us/j/82359576409?pwd=VHBUQzJJTVV5U2ZHU2o1MWlkZlFhQT09
会议号：823 5957 6409
密码：998306
主讲人/Speaker：Liyan Yang
主持人/Host：胡佳胤 Jiayin Hu
摘要/Abstract:
Open banking is the trend of empowering customers to share their banking data with fintechs and other banks. We compile a novel dataset documenting that governments in 49 countries have implemented open banking policies and 31 more are in active discussions. Following adoption, fintech venture capital investment increases by 50%, with more comprehensive policies showing larger effects. We examine the policy tradeoffs with a quantitative model of consumer data production and usage. Our calibrations show that customer-directed data sharing increases entry by improving entrant screening ability and product offerings, but harms some customers and can reduce ex-ante information production.
主讲人介绍/Biography:
Greg Buchak is an assistant professor of finance at Stanford Graduate School of Business. Buchak earned his PhD in financial economics at the University Chicago’s department of economics and Booth School of Business. He also received a JD from the University of Chicago Law School. Before graduate school, he was a quantitative trader and portfolio manager at Goldman Sachs and the Royal Bank of Canada. He received a BA in mathematics and a BS in economics at the University of Pennsylvania.
Buchak’s primary research field is in corporate finance. He is interested in issues related to financial technology, financial intermediation, consumer finance, and the interplay between the evolving industrial organization of the financial sector, regulation, and technological progress.
../../docs/20230313103430713674.pdf
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数字金融Workshop：Customer Data Access and Fintech Entry: Early Evidence from Open Banking
发布日期：2023-03-14 12:00 来源：
数字金融Workshop第四讲： Customer Data Access and Fintech Entry: Early Evidence from Open Banking
时间：3月14日 周二 北京时间 10:00-11:30
Time: Tuesday, March 14, 10:00 - 11: 30 a.m. Beijing Time
Monday, March 13, 7:00 - 8:30 p.m. U.S. PDT
地点/Venue：ZOOM
加入 Zoom 会议
https://us02web.zoom.us/j/82359576409?pwd=VHBUQzJJTVV5U2ZHU2o1MWlkZlFhQT09
会议号：823 5957 6409
密码：998306
主讲人/Speaker：Liyan Yang
主持人/Host：胡佳胤 Jiayin Hu
摘要/Abstract:
Open banking is the trend of empowering customers to share their banking data with fintechs and other banks. We compile a novel dataset documenting that governments in 49 countries have implemented open banking policies and 31 more are in active discussions. Following adoption, fintech venture capital investment increases by 50%, with more comprehensive policies showing larger effects. We examine the policy tradeoffs with a quantitative model of consumer data production and usage. Our calibrations show that customer-directed data sharing increases entry by improving entrant screening ability and product offerings, but harms some customers and can reduce ex-ante information production.
主讲人介绍/Biography:
Greg Buchak is an assistant professor of finance at Stanford Graduate School of Business. Buchak earned his PhD in financial economics at the University Chicago’s department of economics and Booth School of Business. He also received a JD from the University of Chicago Law School. Before graduate school, he was a quantitative trader and portfolio manager at Goldman Sachs and the Royal Bank of Canada. He received a BA in mathematics and a BS in economics at the University of Pennsylvania.
Buchak’s primary research field is in corporate finance. He is interested in issues related to financial technology, financial intermediation, consumer finance, and the interplay between the evolving industrial organization of the financial sector, regulation, and technological progress.
../../docs/20230313103430713674.pdf
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