Open Banking laid the foundation for data-driven financial services. Open Finance expands this vision, extending access beyond payments into investments, insurance, and broader financial products.

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We analyze how regulatory frameworks such as PSD2 and the upcoming PSD3 are accelerating Open Finance models, what this means for banks, fintechs, and merchants, and how APIs are redefining ownership, portability, and monetization of financial data.​​

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Authoritative sources

• European Credit Research Institute – PSD2 impact study

• https://www.ecri.eu/sites/default/files/a-study-on-the-application-and-impact-of-directive-ev0423061enn.pdf

• https://www.ey.com/en_gl/payments-open-finance-eu