Open Banking

Challenging conventional liquidity assumptions and business strategies

Open Banking could have important implications for bank liquidity. Although the size, scale and timing of the impact are uncertain, the potential for major disruption is clear.

As the adoption of Open Banking becomes more widespread, banks will need to consider its impact on their liquidity management. Most banks intend to embrace Open Banking and use it to drive new business strategies in the ongoing pivot towards digital banking models, but there is more to do to make strategic visions into practical realities. As banks develop concrete responses, it is important they consider the challenges for liquidity and revenues alongside examining their customer offering.

This paper explores the disruptive possibilities of Open Banking, including its capacity to undermine the stickiness of deposits, the prudential regulatory implications of which are coming onto regulators’ radars.

About the EMEA Centre for Regulatory Strategy

The Deloitte Centre for Regulatory Strategy is a powerful resource of information and insight, designed to assist financial institutions manage the complexity and convergence of rapidly increasing new regulation.

With regional hubs in the Americas, Asia Pacific and EMEA, the Centre combines the strength of Deloitte’s regional and international network of experienced risk, regulatory, and industry professionals – including a deep roster of former regulators, industry specialists, and business advisers – with a rich understanding of the impact of regulations on business models and strategy.

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