Articles

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.

Europe’s open banking journey is steadily shifting from compliance to collaboration. While fragmented standards and inconsistent data remain challenges, the momentum toward a more connected, innovative financial ecosystem has never been stronger.