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Open finance operates on a set of core principles and employs key concepts that are fundamental to its functionality and aims. These principles and concepts provide the framework for the secure, efficient, and ethical exchange of financial data between consumers, third-party providers, and financial institutions.
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The concept was first explored in 2003 as part of the open innovation movement that was promoted by Henry Chesbrough. [4] [5] The advent of internet banking and development of online technology in the early 2000s led to interest in access to the data, which was first seen in account aggregation attempts by technology companies.
Internet usage in Poland varies by age group, with significantly higher rates among the younger generations, as 100% of those aged 18–24 and 96% of those aged 25–34 actively use the Internet. [4] However, there is a notable digital divide , as only 25% of individuals aged 65 and older are connected.
This is a list of banks operating in Poland, based on supervisory by Polish Financial Supervision Authority (Komisja Nadzoru Finansowego) [1] and/or member of Polish Bank Association (Związek Banków Polskich) [2]
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