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1、2DisclaimerSuggested Citation:CCAF(2024),The Global State of Open Banking and Open Finance,Cambridge:Cambridge Centre for Alternative Finance,Cambridge Judge Business School,University of CambridgeDisclaimer:The data and information contained in this report was accurate at the time of the research,f

2、or more updated evidence base on the state of open banking and open finance,please visit www.ccaf.io 3The Global State of Open Banking and Open Finance ReportTable of ContentsForewords.5Research Team.6Glossary.7Executive Summary .10Introduction.11Part I-Understanding Open Banking and Open Finance .1

3、3 Policy Objectives of Open Banking and Open Finance.15Improving Competition.16Fostering Financial and Digital Inclusion.16Encouraging Innovation.17Enhancing Customer Protection.17Additional Policy Objectives.18Key Actors in Open Banking and Open Finance.18Key Enablers of Open Banking and Open Finan

4、ce.19 Role of Technology .20Role of Digital Public Infrastructure .21Role of Standards.22Role of Regulations and Enforceability .23Role of Participation and Trust .23Part II-Understanding Governance and Design .24To Regulate or Not to Regulate .25 Regulation-Led .26Market-Driven .26How to Regulate .

5、27Entities in Scope.27Data Types in Scope.28Data Sharing in Scope.28Part III-Understanding Adoption and Impact .30 Trends in Global Adoption .31 Trends in Regional Adoption .33 Trends in Regulatory Authorities .35 Trends in Policy Objectives .38 Trends in Status .40 Trends in Timelines .43 Trends in

6、 Data Sharing .46The Global State of Open Banking and Open Finance Report4Allowed Data Types.46Live Data Types.47Action Initiation .51Open Finance Sector .52Conclusions .55Case Studies.57Brazil .58European Union .60India .63United Arab Emirates .65United Kingdom .67United States of America .70Append