新产业设计中的信息技术赋能因素：开放银行与数字经济
IT Enabling Factors in a new Industry Design: Open Banking and Digital Economy
AI总结：
本文聚焦金融业新产业设计场景，以开放银行和数字经济为案例，通过文献综述梳理识别出5项支撑该领域发展的潜在信息技术赋能因素。
摘要：
第四次工业革命推动了信息技术（Information Technology, IT）与战略资源的融合。新的IT需求与应用正促使业务流程和公司治理发生变革。近期，金融业采用了一种被称为开放银行（Open Banking, OB）的新型综合银行模式，而加密货币的出现则推动了数字经济（Digital Economy, DE）的落地。基于这些背景，本文旨在通过文献综述，梳理出支撑金融业新产业设计（或治理）构想的若干IT赋能因素，并以开放银行和数字经济的案例进行具体阐释。本文主要采用文献研究法，依次呈现研究结果、讨论内容，最后给出结论。研究共识别出5项潜在的赋能因素。关键词：数字经济、信息技术（IT）、开放银行。
英文摘要：
The fourth industrial revolution promotes the integration of Information Technology (IT) and strategic resources. New IT demands and uses have been leading to changes in business processes and corporate governance. Lately, the financial industry has adopted a new integrated banking model known as Open Banking (OB) and the advent of cryptocurrencies has led to the Digital Economy (DE) materialization. Considering these facts, this paper expects to point out through literature review some IT enabling factors that allow the conception of a new industry design (or governance) specifically in the financial industry illustrated by the cases of the Open Banking and Digital Economy. This paper is structured mostly on literature review, accompanied by results, discussions, and finally, conclusions are presented. It was found five potential enabling factors. Keywords: Digital Economy, Information Technology (IT), Open Banking.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
