1、Final report for theJoint Regulatory OversightCommieeThe Future Developmentof Open Banking in the UKOpen Banking Strategic Working Group SecretariatFebruary 2023The Future Development of Open Banking in the UK Page 2 of 195 FOREWORD.3 PREFACE.4 ACKNOWLEDGEMENTS.5 SWG SECRETARIAT.6 1.EXECUTIVE SUMMAR

2、Y.7 1.1.Gaps and Perception of Gaps.8 1.2.Plausible Drivers for Divergent Views on Gaps and Perception of Gaps.12 1.3.Potential Short-term and Long-term Solutions to Bridge Gaps.14 1.4.Unlock the Potential of Open Banking Payments.15 1.5.Promoting Further Data Sharing.19 1.6.Ensuring a sustainable o

3、pen banking ecosystem.23 1.7.Future industry structure.25 2.INTRODUCTION.28 2.1.Background.28 2.2.Objectives of the SWG.28 2.3.Methodology collecting evidence.29 2.4.Engagement.31 2.5.Analytical Frameworks.32 2.6.Constraints.33 3.KEY FINDINGS FROM THE STRATEGY SPRINTS.34 3.1.Summary of findings from

4、 Payments Strategy Sprints.34 3.2.Summary of findings from Data Strategy Sprints.37 3.3.Summary of findings from Ecosystem Strategy Sprints.43 4.EVIDENCE AND FINDINGS FROM THE FIRST ROUND OF STRATEGY SPRINTS.49 4.1.First Payments Strategy Sprint.49 4.2.First Data Strategy Sprint.71 4.3.First Ecosyst

5、em Strategy Sprint.95 5.EVIDENCE AND FINDINGS FROM THE SECOND ROUND OF STRATEGY SPRINTS.119 5.1.Second Payments Strategy Sprint.119 5.2.Second Data Strategy Sprint.141 5.3.Second Ecosystem Strategy Sprint.164 6.APPENDIX 1:Glossary.189 7.APPENDIX 2:Members of Expert Panels and Strategic Working Group

6、.192 Open Banking Strategic Working Group Members.192 Open Banking Payments Expert Panel Members.193 Open Banking Data Expert Panel Members.194 The Future Development of Open Banking in the UK Page 3 of 195 FOREWORD In March 2022,HM Treasury,the Competition and Markets Authority(CMA),the Financial C