Following up on Arkwright’s report “Open Banking Industry Dynamics – A European Perspective” from March 2020, this report further examines the evolution of the European Banking industry from a supply perspective. The previous report portrayed an industry that started in the dotcom era and developed as a niche value proposition but was then guided towards becoming a mainstream financial service by regulation. While adoption is proving slower than expected, the supply side of the industry is evolving through what appeared to be consolidation, a typical evolutionary stage for any industry that is heading towards maturity.
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