Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/308823 
Erscheinungsjahr: 
2025
Schriftenreihe/Nr.: 
IU Discussion Papers - Business & Management No. 2 (Januar 2025)
Verlag: 
IU Internationale Hochschule, Erfurt
Zusammenfassung: 
In the digital age, banks must urgently transform their traditional lending processes. This necessity is intensified by the growing competition from digital providers and customers' increasing expectations for efficiency and speed in financial services. Particularly in the business banking sector, traditional credit processes are often characterized by lengthy processing times and inefficient manual procedures, significantly limiting banks' ability to respond promptly to customer inquiries. This paper examines the role of open banking and automated transaction analysis as key factors in the digital transformation of lending. By integrating real-time data and advanced analytics, banks can make more informed credit decisions and greatly enhance customer satisfaction. At the same time, the risks and challenges associated with implementing these technologies, particularly regarding data protection, regulatory requirements, and technical infrastructure, are critically assessed. This investigation's findings provide valuable insights for financial institutions striving to remain competitive in a rapidly changing digital environment and underscore the need to rethink traditional lending processes fundamentally.
Schlagwörter: 
Open Banking
PSD2
FinTech
Business Banking
Digital Lending
Business Processes
Digital Transformation
JEL: 
G20
G21
L86
M15
O32
O33
Dokumentart: 
Working Paper

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