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Open Banking

Open Banking regulation, innovation and technology and it's potential to revolutionise the Financial Services Industry.

Helen Child

Helen Child Founder & CEO at Open Banking Excellence (OBE)

How solving interoperability will unleash cross-border Open Banking innovation

The opportunities that a truly global Open Banking ecosystem would create for businesses and consumers are almost limitless. The more interoperable the ecosystem is, the greater the possibilities are for innovation and growth to snowball as new ideas collide on the international stage. The potential market is huge. In the UK, the number of Open B...

/payments

Retired Member

Retired Member 

Understanding consumer protection and commercial VRPs

The emergence of Variable Recurring Payments (VRPs) marks a significant milestone in the realm of open banking payments. These innovations are not only elevating security standards but also enhancing user experiences, granting consumers more authority over their transactions, and providing businesses with quicker, more cost-effective, and reliable...

/payments /inclusion

Retired Member

Retired Member 

How PropTech can use Open Banking for greater results

Across the UK and Europe, property technology (PropTech) is rapidly gaining momentum, enhancing the way properties are bought, sold, rented, and managed. Yet, there's an untapped potential in these markets – a chance to harness more efficient payment processes, secure and accurate data handling, and optimised operational methodologies. Unravelling...

/payments /inclusion

Helen Child

Helen Child Founder & CEO at Open Banking Excellence (OBE)

Happy Sixth Birthday to Open Banking!

Open Banking celebrated six years young on the 15th of January, making this the perfect time to give the industry a JROC (Joint Regulatory Oversight Committee) update. As we look ahead in Open Banking, JROC has been our guiding North Star. The JROC committee, having commenced their ambitious work in June 2023, has already proven essential in helpi...

/payments /regulation

Retired Member

Retired Member 

Three ways Open Banking can benefit travel money businesses

Open Banking is shaking up the fintech and payments world, no doubt you've heard of it. It's a framework that enables banks and financial institutions to securley share financial data with other regulated providers in order to create more personalised services and value for consumers and businesses alike. With Open Banking payments, businesses ar...

/payments

Jeremy Light

Jeremy Light Co-founder at Fourdotzero

UK Open Banking Payments in 2024

A year ago, I believed UK Open Banking payments were on a roll. Total payment initiations for 2022 were 68 million payments, an increase of 171% over 2021, showing a strong foundation for Open Banking. At this rate, I believed 1bn payments a year could be reached in 2025, a level where Open Banking would be firmly established in the UK payments la...

/payments /predictions

Raktim Singh

Raktim Singh Senior Industry Principal at Infosys

What is Open Banking

In the contemporary digital landscape, Open Banking represents a paradigm shift in managing financial transactions. It helps create an environment where financial institutions can securely share the data with other stakeholders with the customer’s consent. This is done through API ( Application Programming Interface), which helps in data sharing b...

/retail /wholesale

Darya Lyhach

Darya Lyhach PR manager at Noda

How Open Banking Transforms Personal Finance Management

In a world where financial empowerment and convenience are very important, open banking emerges as a beacon of innovation, guiding a more insightful and user-friendly approach to personal finance management (PFM). What Is Open Banking? Open banking is an ecosystem where traditional banks and financial institutions open their data for secure acces

Retired Member

Retired Member 

Lack of Momentum - Why is E-commerce Falling Behind in Open Banking Adoption?

Open banking infrastructure is a game changer for merchants, banks and consumers alike, significantly reducing costs, driving higher payment conversion, providing more security and providing instant settlement. At first glance, adoption of the new tech is strong, with the Open Banking Limited institute recording a 68.2% annual increase in usage t...

/payments /predictions

Erica Virlan

Erica Virlan Vice President at Salt Edge

Open banking’s transformative benefits for the audit industry

In the world of auditing, professionals are no strangers to an array of difficult challenges that can sometimes significantly impact their efficiency and accuracy. The journey begins with a limited view of a client's entire financial transaction history, frequently resulting in a laborious process of obtaining further transaction details at a spee...

/regulation

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