Insights

Three of our engineers Nick, George and Jack share their perspectives on teamwork, experimentation and what makes this such an exciting time in open banking.

Konsentus explores how a trust layer -identity assurance, consent integrity and auditable access – turns CGAP’s six open finance levers into practical, measurable actions that drive competition and financial inclusion.

The Middle East is moving fast from digital payments to open finance, led by Saudi Arabia and the UAE

Vietnam is rapidly emerging as Southeast Asia’s open banking leader. With strong regulation, a booming fintech market, and near-universal digital adoption, the country is laying the foundations for a secure and inclusive financial ecosystem.

Generative AI is reshaping risk management by enabling faster, fairer, and more consistent decisions at scale. With strong governance and human oversight, it helps Scheme Operators and Data Providers balance efficiency with trust and transparency.

The FCA has unveiled its plans for the Future Entity – an independent, industry-led body to oversee open banking standards with clear accountability and scope to evolve into open finance. We explore what’s changing, why it matters and how the sector can help shape its next chapter.

This article explores the evolving charging models in open banking and examines where the key to long-term success lies – in striking the right balance between access, sustainability and standardisation.

Colombia has published an Open Finance draft decree that marks a shift from a voluntary model to a mandatory, regulated ecosystem. This white paper breaks down the core elements of the proposed framework – from data access and participant roles to trust infrastructure and regulatory oversight – and explains why Colombia’s approach is being closely watched across Latin America and beyond.

With the EU’s new Instant Payments Regulation fast approaching, the EPC’s Verification of Payee (VoP) scheme is a crucial step toward safeguarding digital transactions—ensuring payee details are verified in real-time to prevent fraud and misdirected payments

Common myths and misconceptions about Verification of Payee (VoP) – and the key facts PSPs need to know to prepare for the October deadline.