Discussion paper DP18797 Customer Data Access and Fintech Entry: Early Evidence from Open Banking Tania Babina Saleem Bahaj Greg Buchak Filippo De Marco Angus Foulis Will Gornall Francesco Mazzola Tong Yu 1 Feb 2024 Banking and Corporate Finance G21 G23 G28 G24 G50 K21 L10 L51 O31 O36 O50 O38