Regulatory trade-offs in open banking: competition, innovation and consumer protection in the fintech ecosystem
Scarpellini, Ludovica (A.A. 2024/2025) Regulatory trade-offs in open banking: competition, innovation and consumer protection in the fintech ecosystem. Tesi di Laurea in Markets, regulations and law, Luiss Guido Carli, relatore Giuseppe Colangelo, pp. 71. [Master's Degree Thesis]
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Abstract/Index
Impact on competition, innovation and consumer protection. The role of open banking in enhancing market competition. Innovation in financial services: FinTech’s vs traditional banks. Consumer protection and data privacy concerns. Trade-offs between regulatory stringency and market growth. Regulatory frameworks for open banking. Key regulatory approaches: government-led vs market-driven. Open banking regulations in selected jurisdictions. Comparative analysis of regulatory models. Empirical analysis of PSD2’s impact in Italy. Italian open banking context. Quantitative market impact. Qualitative insights. Critical assessment of PSD2 implementation. Policy recommendations and best practices. Designing an optimal regulatory framework. Balancing competition, innovation and consumer protection: the regulatory trade-offs of PSD2 in the Italian OB context. Future trends and implications for policymakers.
References
Bibliografia: pp. 65-70.
| Thesis Type: | Master's Degree Thesis |
|---|---|
| Institution: | Luiss Guido Carli |
| Degree Program: | Master's Degree Programs > Master's Degree Program in Management, English language (LM-77) |
| Chair: | Markets, regulations and law |
| Thesis Supervisor: | Colangelo, Giuseppe |
| Thesis Co-Supervisor: | Arnaudo, Luca |
| Academic Year: | 2024/2025 |
| Session: | Autumn |
| Deposited by: | Alessandro Perfetti |
| Date Deposited: | 16 Mar 2026 13:51 |
| Last Modified: | 16 Mar 2026 13:51 |
| URI: | https://tesi.luiss.it/id/eprint/45081 |
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