Francesco De Pascalis is a Senior Lecturer (Associate Professor) in Financial Law at Brunel Law School and a qualified lawyer. He obtained his PhD at the Institute of Advanced Legal Studies (IALS), University of London, in 2015. Before joining Brunel Law School, he worked as a research fellow at the Rechtswissenschaftliches Institut of the University of Zurich, where he is still a member of the Research Network for Sustainable Finance led by Professor Kern Alexander. At Brunel University London, he is a member of the Research Centre for Law, Economics and Finance and the Centre for AI: Social and Digital Innovation. He is a recognised scholar in banking and finance law and regulation, and author of numerous publications in these fields.Alan Brener is an Associate Professor (Teaching) at University College London’s Laws Faculty and Deputy Director of the Faculty’s Centre for Ethics and Law. Besides his LLM from UCL and PhD from Queen Mary University London, he is also a qualified Chartered Accountant and member of the Institute of Chartered Accountants in England and Wales. A Fellow of the Chartered Banker Institute, he is also a member of the Institute’s Quality and Standards Committee. Prior to starting his PhD, Dr Brener worked for Santander UK and was responsible, at different times, for the compliance and retail legal departments and regulatory policy. Before joining Santander in 2005, from 1996, he headed the compliance departments for the retail banking divisions of Natwest and RBS banks. From 1989 to 1996 Dr Brener was a Senior Prudential and Conduct of Business Regulator for the insurance and collective investments sectors having previously worked on aspects of public policy at the Department of Trade and Industry.

• Part I - Open Banking Ecosystem and Policy 1. Introduction 2. The Open Banking World 3. Open Banking Policy in the UK and EU Part II - Open Banking Regulation 4. Nordic and EFTA countries 5. Americas (Canada, USA, Mexico, Chile) 6. East Asia (Australia, New Zealand, Japan, Singapore, South Korea, Taiwan, China, Hong Kong, Indonesia) 7. Middle-East and North Africa Region Part III - Business Models, Emerging Economies and the Way Forward 8. Open banking and FinTech business models in the UK 9. Open banking, financial inclusion and economic growth in emerging economies 10. The road ahead 11. Conclusions

Francesco De Pascalis is a Senior Lecturer (Associate Professor) in Financial Law at Brunel Law School and a qualified lawyer. He obtained his PhD at the Institute of Advanced Legal Studies (IALS), University of London, in 2015. Before joining Brunel Law School, he worked as a research fellow at the Rechtswissenschaftliches Institut of the University of Zurich, where he is still a member of the Research Network for Sustainable Finance led by Professor Kern Alexander. At Brunel University London, he is a member of the Research Centre for Law, Economics and Finance and the Centre for AI: Social and Digital Innovation. He is a recognised scholar in banking and finance law and regulation, and author of numerous publications in these fields.Alan Brener is an Associate Professor (Teaching) at University College London’s Laws Faculty and Deputy Director of the Faculty’s Centre for Ethics and Law. Besides his LLM from UCL and PhD from Queen Mary University London, he is also a qualified Chartered Accountant and member of the Institute of Chartered Accountants in England and Wales. A Fellow of the Chartered Banker Institute, he is also a member of the Institute’s Quality and Standards Committee. Prior to starting his PhD, Dr Brener worked for Santander UK and was responsible, at different times, for the compliance and retail legal departments and regulatory policy. Before joining Santander in 2005, from 1996, he headed the compliance departments for the retail banking divisions of Natwest and RBS banks. From 1989 to 1996 Dr Brener was a Senior Prudential and Conduct of Business Regulator for the insurance and collective investments sectors having previously worked on aspects of public policy at the Department of Trade and Industry.

• Part I - Open Banking Ecosystem and Policy 1. Introduction 2. The Open Banking World 3. Open Banking Policy in the UK and EU Part II - Open Banking Regulation 4. Nordic and EFTA countries 5. Americas (Canada, USA, Mexico, Chile) 6. East Asia (Australia, New Zealand, Japan, Singapore, South Korea, Taiwan, China, Hong Kong, Indonesia) 7. Middle-East and North Africa Region Part III - Business Models, Emerging Economies and the Way Forward 8. Open banking and FinTech business models in the UK 9. Open banking, financial inclusion and economic growth in emerging economies 10. The road ahead 11. Conclusions

Francesco De Pascalis is a Senior Lecturer (Associate Professor) in Financial Law at Brunel Law School and a qualified lawyer. He obtained his PhD at the Institute of Advanced Legal Studies (IALS), University of London, in 2015. Before joining Brunel Law School, he worked as a research fellow at the Rechtswissenschaftliches Institut of the University of Zurich, where he is still a member of the Research Network for Sustainable Finance led by Professor Kern Alexander. At Brunel University London, he is a member of the Research Centre for Law, Economics and Finance and the Centre for AI: Social and Digital Innovation. He is a recognised scholar in banking and finance law and regulation, and author of numerous publications in these fields.Alan Brener is an Associate Professor (Teaching) at University College London’s Laws Faculty and Deputy Director of the Faculty’s Centre for Ethics and Law. Besides his LLM from UCL and PhD from Queen Mary University London, he is also a qualified Chartered Accountant and member of the Institute of Chartered Accountants in England and Wales. A Fellow of the Chartered Banker Institute, he is also a member of the Institute’s Quality and Standards Committee. Prior to starting his PhD, Dr Brener worked for Santander UK and was responsible, at different times, for the compliance and retail legal departments and regulatory policy. Before joining Santander in 2005, from 1996, he headed the compliance departments for the retail banking divisions of Natwest and RBS banks. From 1989 to 1996 Dr Brener was a Senior Prudential and Conduct of Business Regulator for the insurance and collective investments sectors having previously worked on aspects of public policy at the Department of Trade and Industry.

• Part I - Open Banking Ecosystem and Policy 1. Introduction 2. The Open Banking World 3. Open Banking Policy in the UK and EU Part II - Open Banking Regulation 4. Nordic and EFTA countries 5. Americas (Canada, USA, Mexico, Chile) 6. East Asia (Australia, New Zealand, Japan, Singapore, South Korea, Taiwan, China, Hong Kong, Indonesia) 7. Middle-East and North Africa Region Part III - Business Models, Emerging Economies and the Way Forward 8. Open banking and FinTech business models in the UK 9. Open banking, financial inclusion and economic growth in emerging economies 10. The road ahead 11. Conclusions