000			01866cam a2200157 4500500
005			20250121053621.0
041			_afre
042			_adc
100	1	0	_aBeau, Denis _eauthor
245	0	0	_aFrom the Open Banking to an Open Finance
260			_c2022.
500			_a93
520			_aThe development of open finance after the open banking architecture is a challenge for financial markets, regulators and central banks. These ongoing changes make it possible to envisage even more accessible, efficient and innovative financial services, while at the same time raising new challenges for both market players and public authorities. Faced with a proliferation of new infrastructures that are no longer interoperable, the risk is that of market fragmentation and liquidity. The solutions lie in regulations that encourage cooperation between private players and complement the action of public authorities to establish a regulatory framework that is clear, and sufficiently flexible to take into account the rapid evolution of the market and of innovations. Institutional players can play a role as a catalyst for private initiatives in standardization. Competition must also allow for an increase in the quality of APIs – we speak of premium API. A program of experimentation with new technologies has been launched at the Banque de France. These experiments have shown that an inter-bank digital currency would not only maintain but also promote central bank money as the safest and most liquid settlement asset, while adapting it to changes in demand and thus avoiding the fragmentation of settlement assets. JEL Classification: E42, E50, E58, G01, G21
786	0		_nRevue d'économie financière | 145 | 1 | 2022-08-29 | p. 19-25 | 0987-3368
856	4	1	_uhttps://shs.cairn.info/journal-revue-d-economie-financiere-2022-1-page-19?lang=en&redirect-ssocas=7080
999			_c468697 _d468697