student
The article examines open banking interaction as a source of savings and margin growth in retail. Based on staged pilots, it is shown that initiating account-to-account payments significantly reduces the total cost of payment, increases cash conversion and accelerates the crediting of funds, reducing the need for working capital. Variable regular payments reduce technical churn and simplify adjustments "after assembly". Instant refunds unload support and improve the customer experience. The use of voluntary consent data strengthens risk models for installments and personalized offers, and behavioral anti-fraud reduces erroneous payment refusals. A sustainable effect is achieved through channel orchestration with automatic "fallback", contractual SLAs for API, transparent consent management and automated reconciliation of receipts. An applied implementation framework and metrics for managing the result are proposed.
open banking, account-to-account payments, variable recurring payments, payment orchestrator, deposit margin, cash conversion, consent to access data, behavioral anti-fraud, API, instant refunds
1. Adova, E. A. Open BANKING i pervichnyy API-podhod / E. A. Adova, E. P. Ogorodnikova // Forum molodyh uchenyh. – 2018. – № 1(17). – S. 74-76
2. Nebera, A. S. Open banking kak katalizator transformacii modeli bankovskogo biznesa / A. S. Nebera // Upravlenie biznesom v cifrovoy ekonomike : Sbornik tezisov vystupleniy, Sankt-Peterburg, 21–22 marta 2019 goda / Pod obschey redakciey I.A. Arenkova, M.K. Cenzharik. – Sankt-Peterburg: Sankt-Peterburgskiy gosudarstvennyy universitet promyshlennyh tehnologiy i dizayna, 2019. – S. 68-71
3. Koval'chuk, A. V. Open Banking kak glavnyy trend razvitiya cifrovyh bankov / A. V. Koval'chuk, K. R. Simonyan, A. I. Kupriyanova // Voprosy sovremennoy nauki : Materialy II nacional'noy mezhdisciplinarnoy konferencii , Krasnodar, 20 sentyabrya 2019 goda. – Krasnodar: FGBU "Rossiyskoe energeticheskoe agentstvo" Minenergo Rossii Krasnodarskiy CNTI- filial FGBU "REA" Minenergo Rossii, 2019. – S. 86-91
4. Shaginyan, T. V. Open banking kak drayver razvitiya bankovskoy sistemy / T. V. Shaginyan // WORLD SCIENCE: PROBLEMS AND INNOVATIONS : sbornik statey XXXVII Mezhdunarodnoy nauchno-prakticheskoy konferencii, Penza, 30 noyabrya 2019 goda. – Penza: "Nauka i Prosveschenie" (IP Gulyaev G.Yu.), 2019. – S. 142-143
5. Abbasova, V. R. Tehnologiya buy now, pay later (BNPL), ee vozdeystvie na finansovye privychki i bezopasnost' v rossiyskom obschestve / V. R. Abbasova, E. A. Ponomareva // Studencheskaya nauka: sozidaya buduschee : Vserossiyskaya studencheskaya nauchno-prakticheskaya konferenciya, Kursk, 05–06 iyunya 2024 goda. – Kursk: Kurskiy gosudarstvennyy universitet, 2024. – S. 27-30
6. Ivahnenko, E. A. BNPL-servisy: udobstvo platezhey ili lovushka dolgovoy zavisimosti? / E. A. Ivahnenko // Rossiyskaya ekonomika i obschestvo: v poiskah tochek rosta : Sbornik materialov XIII Nacional'noy nauchno-prakticheskoy konferencii Instituta magistratury s mezhdunarodnym uchastiem. V 2-h chastyah, Sankt-Peterburg, 18–19 aprelya 2024 goda. – Sankt-Peterburg: Sankt-Peterburgskiy gosudarstvennyy ekonomicheskiy universitet, 2024. – S. 146-151
7. Gordya, D. V. Razvitie rynka BNPL-servisov v Rossii i za rubezhom: vozmozhnosti i riski / D. V. Gordya // Sovremennye tehnologii upravleniya. – 2024. – № 3(107)
8. Pudkov, F. D. Sovremennye sistemy rassrochek / F. D. Pudkov // Arhont. – 2025. – № 4(55). – S. 297-301
