Latest opinions that Helen Child has shared on Finextra

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Helen Child

Founder & CEO

Open Banking Excellence (OBE)

Member since

14 Oct 2022

Location

London

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Helen's opinions

What Every CEO Needs to Know: Complete Guide to Entering the U.S. Open Banking Market

What Every CEO Needs to Know: Your Complete Guide to Entering and Succeeding in the U.S. Open Banking Industry. With the U.S. Open Banking financial landscape entering a new era with the new rules for 1033 set to be established, many UK based Open Banking providers are re-setting their sights across the Atlantic. And for good reason. Launching in

24 March 2025 Open Banking

Collaboration and Culture: The Key to Success in U.S. Open Banking

The U.S.’ new Open Banking rules are an exciting development for the world’s largest market for financial services, but there’s a strong argument that it also has profound global implications. This has two parts. Firstly, as a catalyst to drive companies outside of the U.S. to launch in America. Secondly, to activate a more ‘globalised’ Open Bank

08 March 2025 Open Banking

Open Banking in a Box

From Speech to Action: New Service 'Open Banking in a Box' Powers Mansion House Momentum, Fuelling Industry Growth “The UK must act quickly to seize the opportunities of the future or risk falling behind international peers.” - National Payments Vision, published by HM Treasury November 2024. The long-anticipated National Payments Vision (NPV) fo...

04 March 2025 Open Banking

Entering the U.S. Open Banking Market: What You Need to Know

The Open Banking opportunity is super-sized in the US. What’s the market size and how do we best access it? What are the gotcha’s? What do we need to know…? To answer these questions and many more we’ve had from our global community we’re sharing our latest report with Oxford University in digestible bite sized chunks. The U.S. is the largest ma...

25 February 2025 Open Banking

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...

21 February 2024 /payments Open Banking

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...

29 January 2024 /payments /regulation Open Banking

Data is the fuel that will drive AI & Open Finance growth

Artificial intelligence will have a seismic effect on financial services. McKinsey has predicted that AI could deliver a “value-creation opportunity of up to $20 trillion” for banks each year. Accenture also argued that 90% of all working hours in the banking industry will be “impacted” by large language models such as ChatGPT and predicted that ...

08 December 2023 /payments Artificial Intelligence and Financial Services

Cutting through the complexity: How to prepare for PSD3

The PSD2 was a truly historic piece of legislation that laid the foundations for a paradigm shift in financial services. The blockbuster Payment Services Directive 2 planted the seeds for Europe’s thriving Open Banking ecosystem. Now we’re awaiting a sequel. When the PSD3 comes into force at some point in the next five years, it will unlock vast n...

24 November 2023 /payments /regulation Open Banking

Let’s conquer our fear of Digital ID and unlock the opportunity

The UK is at the forefront of financial innovation. We created a blueprint for Open Banking. Our data regime is one of the most progressive in the world. Yet we are still missing one crucial part of the puzzle: a universally accepted method of digital identification. Our lack of a digital ID is bad news for consumers and businesses alike. In finan...

04 October 2023 /security /payments Open Banking

School’s out! Open Banking gets an A* report but there’s more work to do next term

2023 will go down as a big year for the UK’s open economy. We’ve seen the reinvigoration of Open Banking through the timely Joint Regulatory Oversight Committee (JROC) report, coupled with progress on reforming the credit information market and the Data Protection and Digital Information Bill that ultimately paves the way for Open Finance. At the ...

01 August 2023 /payments Open Banking