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dc.contributor.authorPaneque Romero, Manuel
dc.contributor.authorRoldán-García, María del Mar 
dc.contributor.authorGarcía-Nieto, José Manuel 
dc.date.accessioned2023-02-23T08:13:37Z
dc.date.available2023-02-23T08:13:37Z
dc.date.issued2023-01-21
dc.identifier.citationPaneque M, Roldán-García MdM, García-Nieto J. A Semantic Model for Enhancing Data-Driven Open Banking Services. Applied Sciences. 2023; 13(3):1447. https://doi.org/10.3390/app13031447es_ES
dc.identifier.urihttps://hdl.handle.net/10630/26049
dc.description.abstractIn current Open Banking services, the European Payment Services Directive (PSD2) allows the secure collection of bank customer information, on their behalf and with their consent, to analyze their financial status and needs. The PSD2 directive has lead to a massive number of daily transactions between Fintech entities which require the automatic management of the data involved, generally coming from multiple and heterogeneous sources and formats. In this context, one of the main challenges lies in defining and implementing common data integration schemes to easily merge them into knowledge-base repositories, hence allowing data reconciliation and sophisticated analysis. In this sense, Semantic Web technologies constitute a suitable framework for the semantic integration of data that makes linking with external sources possible and enhances systematic querying. With this motivation, an ontology approach is proposed in this work to operate as a semantic data mediator in real-world open banking operations. According to semantic reconciliation mechanisms, the underpinning knowledge graph is populated with data involved in PSD2 open banking transactions, which are aligned with information from invoices. A series of semantic rules is defined in this work to show how the financial solvency classification of client entities and transaction concept suggestions can be inferred from the proposed semantic model.es_ES
dc.description.sponsorshipThis research has been partially funded by the Spanish Ministry of Science and Innovation via the Aether Project with grant number PID2020-112540RB-C41 (AEI/FEDER, UE), the Ministry of Industry, Commerce and Tourism via the Helix initiative with grant number AEI-010500-2020-34, and the Andalusian PAIDI program with grant number P18-RT-2799. Partial funding for open access charge: Universidad de Málagaes_ES
dc.language.isoenges_ES
dc.publisherIOAP-MDPIes_ES
dc.rightsinfo:eu-repo/semantics/openAccesses_ES
dc.rights.urihttp://creativecommons.org/licenses/by/4.0/*
dc.subjectOntologíaes_ES
dc.subject.otherData integrationes_ES
dc.subject.otherKnowledge graphses_ES
dc.subject.otherOntologyes_ES
dc.subject.otherOpen bankinges_ES
dc.subject.otherPSD2es_ES
dc.titleA Semantic Model for Enhancing Data-Driven Open Banking Serviceses_ES
dc.typeinfo:eu-repo/semantics/articlees_ES
dc.centroE.T.S.I. Informáticaes_ES
dc.identifier.doihttps://doi.org/10.3390/app13031447
dc.rights.ccAtribución 4.0 Internacional*
dc.type.hasVersioninfo:eu-repo/semantics/publishedVersiones_ES


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