Simplifying data user identity and access management for a scalable FiDA ecosystem
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We are the only organisation providing end-to-end open finance advisory services combined with award-winning technology solutions to fast-track a country’s open finance implementation
in secure data exchange in open environments
customised to
market requirements
delivering interoperable multi-jurisdiction technology solutions
100% uptime
with zero outage
We are the only organisation providing end-to-end open finance advisory services combined with award-winning technology solutions to fast-track a country’s open finance implementation
Protect your APIs, reduce complexity, and ensure only trusted entities connect — across open banking and open finance
Launch and run an open finance scheme with confidence, using a fully configurable system that manages governance, onboarding and compliance
Deploy national-level open finance infrastructure with proven, reliable technology trusted in multiple jurisdictions
Maintain full control by hosting our trusted regulatory data on-premise through the Konsentus Appliance
Under FiDA, thousands of new organisations across insurance, pensions, investments, and financial management will begin accessing your APIs
Uncertainty over who is accessing your API
Multiple schemes, rulebooks, permissions and compliance regimes
Increased growth in cross-sector participants
Fragmented and expanding data sources
Our technology standardises, cleanses and normalises multi-scheme data, delivering one trusted view of who is connecting, what they’re allowed to do, and where they can operate.
Real-time participant verification across multiple schemes and sectors. Know instantly who is requesting access, what they’re allowed to do, and where they are authorised to operate
Get your FiDA scheme up and running in a few clicks. Onboard participants, manage governance, track compliance and enforce standards
Store and maintain a local copy of Konsentus regulatory data (PSD2 + FiDA) inside your infrastructure
Continue protecting your APIs under PSD2/3 and PSR now with a path to FiDA expansion
For institutions that only need chain key information
Advisory Services across
Active in
Consolidating data from
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Our deep subject matter expertise across financial services and payments enables us to provide our customers and partners with technology solutions that are built for purpose and advisory services customised to local market requirements.
Accelerate the creation and operation of your protected open finance ecosystem.
Build, manage and maintain a secure open trust framework.
Seamlessly identify and interact with authorised participants of open finance ecosystems.
Remove the effort and complexity of onboarding third parties.
Regulators, central banks and industry partners across the globe consult Konsentus to help them define their open finance implementations and, our award-winning technology is trusted by over 250 financial institutions participating in open data frameworks.
Open finance is moving beyond policy ambition towards the operational trust, oversight and infrastructure needed to scale safely and inclusively.
As Smart Data and Open Finance expand beyond open banking, APIs alone will not be enough. The future of secure, scalable data sharing will depend on trust infrastructure, governance and real-time ecosystem assurance.
Survey findings from stakeholders across Mexico’s financial ecosystem highlight that Open Finance progress depends on regulatory clarity, coordination and shared infrastructure.
Eight years after Mexico’s Fintech Law, the opportunity for Open Finance remains clear, the challenge now is execution.
FiDA expands open banking into full-spectrum open finance, dramatically increasing the scale and sensitivity of financial data sharing. This creates new systemic cyber risks and makes real-time trust and stronger oversight essential.
Under FiDA, data access is no longer just about customer consent; it requires real-time verification of identity, regulatory authorisation and cross-border permissions. Without a unified European source of truth, financial institutions face growing operational and compliance risk.
The delay to the EU’s FiDA regulation is prolonging fragmentation in financial services, limiting data access, innovation and competition. As uncertainty continues, consumers and SMEs remain without the full benefits of open finance.
Agentic AI is transforming how Open Banking services are executed, challenging static PSD2 consent models. This white paper explores how policy-based authorisation, explicit delegation and continuous validation can support secure, accountable agentic execution while preserving trust and regulatory alignment.
AML reform is changing the rules of Open Banking. Discover how the new EU AML framework and PSD3 redefine access, assurance and trust for ASPSPs.
What does PSD3/PSR mean for ASPSPs safeguarding account data? This Q&A breaks down the key changes from PSD2 and the access controls needed to prove regulated trust at the point of access.
This paper explores how the EU’s Financial Data Access (FiDA) Regulation will reshape open finance, expanding beyond PSD2 to enable secure, consent-driven data sharing across the financial ecosystem.
The first paper in our FiDA Readiness Series examines why a new trust model is needed for the open finance era and how PSD2/3, PSR and FiDA are reshaping risk, responsibility and operational demand.
