References
- Barnard C., The Substantive Law of the EU: The Four Freedoms (5th edn, Oxford University Press 2019)
- Byrski J., ‘Consumer Protection under Directive 2015/2366 on Payment Services in the Internal Market – Selected Issues’, (2017) 8 Cracow Review of Economics and Management 25.
- Copeland R., ‘Regulatory revolution and new competition in the European Union payments industry’ (2018) 9 N. Ir. Legal Q. 215.
- Craig P., de Burca G., EU LAW: Text, cases, materials (5th edn, Oxford University Press 2012).
- Dahlberg, T., & Oorni, A., ‘Understanding Changes in Consumer Payment Habits - Do Mobile Payments and Electronic Invoices Attract Consumers?’ (40th Annual Hawaii International Conference on System Sciences (HICSS’07), Waikoloa, January 2007).
- Eonnet Y., Manceron H., Fintech: The Banks Strike Back (Dunod 2018) 74.
- Jonker N., ‘Regulating Interchange Fees for Card Payments’ in Górka J. (ed) Transforming Payment Systems in Europe (Palgrave Macmillan 2016) 174.
- Kern A., Principles of Banking Regulation (Cambridge University Press 2019).
- Leventis S., Dimitropoulos P. and Owusu-Ansah S., ‘Corporate Governance and Accounting Conservatism: Evidence from the Banking Industry’ (2013) 21 Corporate Governance: An International Review 264.
- Lynn T. and others, Disrupting Finance. FinTech and Strategy in the 21st Century, 2019.
- Madir J., FinTech: Law and Regulation (Edward Elgar 2019) 37.
- Michie R., British Banking. Continuity and Change from 1694 to the Present (Oxford University Press 2016).
- Milic-Czerniak R., ‘Rola fintechów w rozwoju innowacji finansowych’ (2019) 57 Studia BAS 37.
- Nowakowski M., ‘PolishAPI, czyli unikalny specjalny interfejs dostępowy Związku Banków Polskich’, System Informacji Prawnej LEX.
- Olechowski M., Iwański W., ‘Poland: open banking when will it start?’, (International Financial Law Review, 25 February 2019), <
https://www.iflr.com/article/b1lmxcd7qpmbsq/poland-open-banking-when-will-it-start > accessed 17 December 2020. - Paul J., Business Environment. Text and cases (3rd edn, McGraw-Hill 2010).
- Preibisch S., API development. A Practical Guide for Business Implementation Success (Richmond 2018).
- Ramdani B., Rothwell B. and Boukrami E., ‘Open Banking: The Emergence of New Digital Business Models’ (2020) 17 International Journal of Innovation and Technology Management (IJITM) 1.
- Stiefmueller C., ‘Open Banking and PSD 2: The Promise of Transforming Banking by ‘Empowering Customers’’ in Jim Spohrer and Christine Leitner (eds) Advances in the Human Side of Service Engineering (Springer 2020).
- Vandezande, N., ‘Between Bitcoins and mobile payments: will the European Commission's new proposal provide more legal certainty?’ (2014) 22 International Journal of Law and Information Technology 295.
- Zachariadis M., Ozcan P., ‘The Api Economy And Digital Transformation In Financial Services: The Case Of Open Banking’ (2017) 2016-001 SWIFT Institute Working Paper 3.
- Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication, (C/2017/7782).
- Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC (L 319/1).
- Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (L 337/35).
- Ustawa z dnia 10 maja 2018 r. o zmianie ustawy o usługach płatniczych oraz niektórych innych ustaw, Dz.U. 2018 poz. 1075.
- Government Legislation Centre (Rządowe Centrum Legislacji), ‘Projekt ustawy o zmianie ustawy o usługach płatniczych oraz niektórych innych ustaw’ (Legislative procedure, 23 January 2018) <
https://legislacja.rcl.gov.pl/projekt/12298151 > accessed 17 December 2020. - The Payment Services Regulations 2017, SI 2017/752.
- Alan McIntyre and Andrew McFarlane, ‘The Brave New World of Open Banking’ (Accenture, 2018) 8 <
https://www.accenture.com/_acnmedia/pdf-77/accenture-brave-new-world-open-banking.pdf > accessed 17 December 2020. - Basel Committee on Banking Supervision, Report on open banking and application programming interfaces, November 2019.
- Commission, ‘Towards an integrated European market for card, internet and mobile payments (Green Paper)’, COM (2011) 941 final.
- EBC, ‘Statistics on payments – Data for 2009’ (Press releases, 13 September 2010), <
https://www.ecb.europa.eu/press/pr/date/2010/html/pr100913.en.html > accessed 17 December 2020. - EBC, ‘Statistics on payments – Data for 2017’ (Press releases, 13 September 2010), <
https://www.ecb.europa.eu/press/pr/stats/paysec/html/ecb.pis2017.en.html > accessed 17 December 2020. - European Banking Federation, ‘Guidance for implementation of revised Payment Services Directive’ 8 (20 December 2019) <
https://www.ebf.eu/wp-content/uploads/2019/12/EBF-PSD2-guidance-Final-December-2019.pdf > accessed 17 December 2020. - KIR, ‘KIR dostarczy usługi wspierające standard Polish API’ <
https://www.kir.pl/o-nas/aktualnosci/kir-dostarczy-uslugi-wspierajace-standard-polish-api,217.html > (Announcement, 23 January 2018) accessed 17 December 2020. - Kamil Leżoń, ‘Otwarta bankowość w świetle wymogów dyrektywy PSD2 – wyzwania i perspektywy rozwoju dla polskiego sektora FinTech’ (KNF, 2019)
- Markowski K. and others, Rozwój systemu finansowego w Polsce w 2018 r. (NBP 2019).
- The Economist, ‘Open plan’ (12 January 2019) 60.
- Tomas Helm, Alex Low and Joshua Townson, ‘UK FinTech State of the Nation’, (Department for International Trade, April 2019) <
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/801277/UK-fintech-state-of-the-nation.pdf > accessed 17 December 2020. - UKNF, ‘Komunikat Urzędu Komisji Nadzoru Finansowego dot. wybranych oczekiwań nadzorczych w odniesieniu do okresu przejściowego związanego z implementacją Dyrektywy PSD2’ (12 January 2018) <
https://www.knf.gov.pl/o_nas/komunikaty?articleId=60679&p_id=18 > accessed 17 December. - ZBP, ‘Commercial banks’, <
https://polishapi.org/en/commercial-banks/ > accessed 17 December 2020.