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| 1 | How does a data strategy enable customer value?The case of FinTechs and traditional banks under the open finance framework显示文摘The coupling of data and digital innovation opens the way for new business in the financial services sector,where customers are placed at the centre of decisions and data can help to develop customer knowledge.To carry out our research,we adopted a multi-case study approach to explore how a data strategy is developed in the retail banking industry,together with its relationship with customer value,paying particular attention to the heterogeneity between traditional banks and financial technology companies(FinTechs).Two main points emerged from the study.Firstly,there are three possible approaches to Open Finance,which are mainly defined by their different corporate cultures,organisational configurations,technological architecture and data value.Secondly,it is not enough to be a FinTech to be best placed to exploit the market,as some traditional banks share the FinTechs’approach to Open Finance.Designing new tailored products,customising their prices and offering them over the right channels through targeted communication are all data-driven initiatives that stem from cross-or up-selling potential,core to the retail banking industry for turning a customer into a cash flow,thus enabling value to be created for customers.Our findings additionally revealed that there is a form of external information asymmetry between the customer and the bank,and that there is also an internal asymmetry between bank departments,as their visibility on information about the same customer may differ. | Laura Grassi Nicolas Figini Lorenzo Fedeli | 2022 | Financial Innovation2022，8，1： | 2 |
| 2 | Panning phage antibody libraries on cells: isolation of human Fab fragments against ovarian carcinoma using guided selection 显示文摘 | Figini M Obiei L Mezzanzanica D | 1998 | Cancer Res1998，58，5： | 1 |
| 3 | Rever-sion of transformed phenotype in ovarian cancer cells by intra-cellular expression of anti folate receptor antibodies 显示文摘 | FIGINI M FERRI R MEZZANZANICA D | 2003 | GeneTher2003，10，12： | 1 |
| 4 | A step further in understanding the biology of the folate receptor in ovarian carcinoma 显示文摘 | Bagnoli M Canevari S Figini M | 2003 | Gynecol Oneol2003，88，： | 1 |
| 5 | Panning phage antibody libraries on cells: isolation of human Fab fragments against ovarian carcinoma using guidcd selection显示文摘 | Figini M Obici L Mezzanzanica D | 1998 | Cancer Res1998，58，： | 1 |
| 6 | Random Survival Forests Models for SME Credit Risk Measurement显示文摘 | Fantazzini Dean Figini Silvia | 2009 | Methodology and Computing in Applied Probability2009，，1： | 1 |
| 7 | Panning phage antibodylibraries on cells: isolation of human Fab fragments against ovariancarcinoma using guided selection 显示文摘 | Figini M Obici L Mezzanzanica D | 1998 | Cancer Res1998，58，5： | 1 |
| 8 | Paning phage antibody libraries on cells: Isolation of human Fab fragments agaist ovarian carcinoma using guided selection显示文摘 | Obici L Mezzanzanica D | 1998 | Cancer Research1998，58，： | 1 |
| 9 | Single versus multiple vis- its for endodontic treatment of permanent teeth: a Cochranesystematic review显示文摘 | Figini L Lodi G Gorni F | 2008 | J Endod2008，34，9： | 1 |
| 10 | Reversion of transformed phenotype in ovarian cancer cells by intracellular expression of anti folate receptor antibodies显示文摘 | Figini M Ferri R Mezzanzanica D | 2003 | Gene Ther2003，10，12： | 1 |
| 11 | Single versus multiple visits for endodontic treatment of permanent teeth, a Cochrane systematic review显示文摘 | Figini L Lodi G Gomi F | 2008 | J Endod2008，34，9： | 1 |
| 12 | Substance P and bradykinin stimulate and pancreas显示文摘 | Figini M | 1997 | AM J Physiology1997，272，： | 1 |
| 13 | Tourism and growth in a cross-section of countries 显示文摘 | Figini P Vici L | 2010 | Tourism Economics2010，16，4： | 1 |
| 14 | Single versus multiple vis- its for endodontic treatment of permanent teeth: a Cochrane systematic review显示文摘 | Figini L Lodi G Gorni F | 2008 | J Endod2008，34，9： | 1 |
| 15 | Protective versus pathogenic anti-CD4 immunity:insights from the study of natural resistance to HIV infection 显示文摘 | Burastero SE Figini M Frigerio B | 2009 | J Trsnal Med2009，28，7： | 1 |
| 16 | Reversion of transformed phenotype in ovarian cancer cells by intracellular expression of anti folate receptor antibodies 显示文摘 | Figini M Ferri R Mezzanzanica D | 2003 | Gene Ther2003，10，12： | 1 |
| 17 | Substance P and bradykinin stimulate plasma extravasation in the mouse gastrointestinal tract and pancreas显示文摘 | Figini M Emanueli C Grady EF | 1997 | Am J Physiol Gastrointesl Liver Physiol1997，272，： | 1 |
| 18 | Random Survival Forests Models for SME Credit Risk Measurement显示文摘 | Figini S Fantazzini D | 2009 | Methodology and Computing in Applied Probability2009，11，1： | 1 |
| 19 | Multinational Companies and Wage Inequality in the Host Country : The Case of Ireland 显示文摘 | FIGINI P GORG H | 1999 | Weltwirtschaftliches Archiv1999，135，4： | 1 |
| 20 | How to measure single-name credit risk concentrations 显示文摘 | UBERTI P FIGINI S | 2010 | European Journal of Operational Research2010，202，1： | 1 |
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