TY  JOUR
TI  Open Banking in Retail: New Value Chains and Partnership Models
KW  open banking
KW  account-to-account payments
KW  variable recurring payments
KW  payment orchestrator
KW  deposit margin
KW  cash conversion
KW  consent to access data
KW  behavioral anti-fraud
KW  API
KW  instant refunds
JO  JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT
AU  Lykov, N.S.
PY  2025
IS  0
PB  ITBO University