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Examining Platform Owner Compliance and Autonomous Complementor Behavior in Open Banking Platforms

Mansour, Osama LU (2025) Thirty-Third European Conference on Information Systems In ECIS Proceedings p.1-8
Abstract
The revised Payment Services Directive (PSD2) by the EU is disrupting banks and requiring them to provide third-party providers (TPPs) access to customer data. PSD2 aims to promote innovation and competition by enabling TPPs to leverage data to develop payment services. To comply, banks develop platforms where TPPs can use APIs to access data. This is described as open banking, marking a shift toward platformization in banking. The paper explores the competitive relationship between banks and TPPs as banks pursue compliance while engaging with TPPs offering competing services. It shows that banks perceive TPPs as a competitive threat, particularly when platform exchanges yield no tangible gains, despite significant technology investments.... (More)
The revised Payment Services Directive (PSD2) by the EU is disrupting banks and requiring them to provide third-party providers (TPPs) access to customer data. PSD2 aims to promote innovation and competition by enabling TPPs to leverage data to develop payment services. To comply, banks develop platforms where TPPs can use APIs to access data. This is described as open banking, marking a shift toward platformization in banking. The paper explores the competitive relationship between banks and TPPs as banks pursue compliance while engaging with TPPs offering competing services. It shows that banks perceive TPPs as a competitive threat, particularly when platform exchanges yield no tangible gains, despite significant technology investments. It also demonstrates how banks and TPPs engage through platform integration of services and connections via data aggregators. The paper advances digital platform literature by illustrating emerging relationships and conditions for competition and partnerships within regulated digital platforms.
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Please use this url to cite or link to this publication:
author
organization
publishing date
type
Chapter in Book/Report/Conference proceeding
publication status
published
subject
keywords
Digital platforms, PSD2, Banking, Digital transformation, Compliance, Innovation, Fintech, Open Banking
host publication
ECIS 2025 Proceedings : Data Management and Data Sharing in Ecosystems - Data Management and Data Sharing in Ecosystems
series title
ECIS Proceedings
issue
4
pages
1 - 8
publisher
European Conference on Information Systems (ECIS) at AIS Electronic Library (AISeL)
conference name
Thirty-Third European Conference on Information Systems
conference location
Amman, Jordan
conference dates
2025-06-16 - 2025-06-18
language
English
LU publication?
yes
id
d285ee33-3d40-4718-94df-7e8f0197a3cb
alternative location
https://aisel.aisnet.org/ecis2025/datamgmt/datamgmt/4/
date added to LUP
2025-09-10 11:45:08
date last changed
2025-09-10 15:08:03
@inproceedings{d285ee33-3d40-4718-94df-7e8f0197a3cb,
  abstract     = {{The revised Payment Services Directive (PSD2) by the EU is disrupting banks and requiring them to provide third-party providers (TPPs) access to customer data. PSD2 aims to promote innovation and competition by enabling TPPs to leverage data to develop payment services. To comply, banks develop platforms where TPPs can use APIs to access data. This is described as open banking, marking a shift toward platformization in banking. The paper explores the competitive relationship between banks and TPPs as banks pursue compliance while engaging with TPPs offering competing services. It shows that banks perceive TPPs as a competitive threat, particularly when platform exchanges yield no tangible gains, despite significant technology investments. It also demonstrates how banks and TPPs engage through platform integration of services and connections via data aggregators. The paper advances digital platform literature by illustrating emerging relationships and conditions for competition and partnerships within regulated digital platforms.<br/>}},
  author       = {{Mansour, Osama}},
  booktitle    = {{ECIS 2025 Proceedings : Data Management and Data Sharing in Ecosystems}},
  keywords     = {{Digital platforms; PSD2; Banking; Digital transformation; Compliance; Innovation; Fintech; Open Banking}},
  language     = {{eng}},
  month        = {{06}},
  number       = {{4}},
  pages        = {{1--8}},
  publisher    = {{European Conference on Information Systems (ECIS) at AIS Electronic Library (AISeL)}},
  series       = {{ECIS Proceedings}},
  title        = {{Examining Platform Owner Compliance and Autonomous Complementor Behavior in Open Banking Platforms}},
  url          = {{https://aisel.aisnet.org/ecis2025/datamgmt/datamgmt/4/}},
  year         = {{2025}},
}