Banche, modelli di business e Open Banking

According to Psd2, banks are required to open up access to customers’ account data to authorized third parties. In order to comply with the new legislation, banks may decide to align only to minimum requirements or to adopt an active approach, moving from a model of forced collaboration to a model of voluntary collaboration. Assuming that the active approach to Psd2 requires a greater willingness to open up to external parties, contributing to the emergence of Open Banking ecosystems and platforms, the article studies the current attitude to partnership of Italian banks and its structural, economic and capitalization determinants. Results reveal a low attitude to partnership, especially for larger and highly capitalized banks and for those that are mainly oriented to traditional credit activity.