Open Banking and the changing value propositions in Payment API’s

Szokoly János (2023) Open Banking and the changing value propositions in Payment API’s. Külkereskedelmi Kar.

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Absztrakt (kivonat)

<p dir="ltr" style="text-align:left;"></p><p>The emergence of open banking brought a new era in payment orchestration. While most of the focus around open banking is related to the retail banking sector, the regulation and standardisation of open banking enabled newly founded FinTech companies to have access to big industrial payment data, allowing them to develop better, faster and cheaper payment programs for their clients. These programs are called payment platforms or payment APIs, and they are interconnected with the business ERPs. The value propositions offered by these tools are evaluated differently based on the complexity of the customer’s payment portfolio, the size of the business and the geological location of the entity using them. We are reviewing these changes in value propositions through the example of General Electric, which company undergoes significant changes in 2023-24: they will split into three standalone companies. The payment leaders of these newly formulating companies provide valuable input into defining a payment APIs core value requirement, which are the level of integration with ERPs, cost-out through automation, productivity, and payment accuracy. Unique requirements are defined on top of these core values, which can be fulfilled through a modular approach of the payment platforms as per our proposal, allowing service providers to better adopt to their customer’s need, and obtaining an edge over the competition.</p><br><p></p>

Intézmény

Budapesti Gazdasági Egyetem

Kar

Külkereskedelmi Kar

Tanszék

Nemzetközi Kereskedelem és Logisztika Tanszék

Tudományterület/tudományág

NEM RÉSZLETEZETT

Szak

Nemzetközi gazdálkodás

Konzulens(ek)

Mű típusa:	diplomadolgozat (NEM RÉSZLETEZETT)
Kulcsszavak:	bank informatikai rendszerei, érték(ek), kifizetés(ek), pénzügyi információs rendszer, tranzakciók
SWORD Depositor:	Archive User
Felhasználói azonosító szám (ID):	Archive User
Rekord készítés dátuma:	2023. Szep. 07. 14:27
Utolsó módosítás:	2023. Szep. 07. 14:27

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