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Open Banking

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My three scenarios for the future of Open Banking players in Europe

In the past weeks, I’ve had numerous discussions with startup founders about open banking providers in Europe. All of them were looking for a provider but due to the increasing number of players, they were facing troubles finding the ideal Open Banking provider for their use case. And the

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Use Cases And Business Opportunities Stemming From Open Banking (4/4)

This is the fourth and final part of our four part Open Banking series written by Aaryaman and Lars. You can find the other parts here: one, two and three. In the past three blog posts, we have described what is driving open banking, the history of Open Banking, and

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How Is Open Banking Being Implemented Around The World? (3/4)

This is the third part of our four part Open Banking series written by Aaryaman and Lars. You can find the other parts here: one and two. As discussed in the previous segment, there are many ways a developer or service provider can access a user’s banking data. The

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How did open banking come about and how does it work? (2/4)

This is the second part of our four part Open Banking series written by Aaryaman and Lars. You can find part one here. Before getting into the rise of open banking, it is important to understand the definition of the term. Internationally, the term “Open Banking“ refers to the technique

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The Foundation for the Fintech Decade: Account Aggregators and Open Banking (1/4)

This is the first part of our four part Open Banking series written by Aaryaman and Lars. Foreword The world is currently going through a big shift with regards to financial services. More and more people are coming into the formal financial system, and in doing so, they are generating

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Access to X - How new data providers can foster innovation in Fintech

In the last years, I said probably a few thousand times “our bank accounts contain a lot of value about ourselves”. And I am continuing to do so. If you have a bank account for a few years and are are not a cash-fanatic, the bank account will be able

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The Open Bank Project in India

A few months ago I broke up with my cofounder and stopped working on our idea to build a digital credit card service for SMEs in Europe (see my blog post). Even though I find the idea still fascinating I decided to take some time off and started freelancing instead.

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Report: Open Banking around the world

Nearly a year ago I had written a blog post about the development of open banking around the world. The blog post was focused on the development in Asia and Oceania, mostly driven by the development in Australia. This week I have read the Open Banking report by PwC (The

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Learnings from Unified Payments Interface in India

Nearly one year ago I have written about the beta launch of WhatsApp payments in India (Blog post). The service allows any payments-activated user of WhatsApp in India to send money to other WhatsApp users. However, the service is not yet available nationwide, due to regulatory problems. The Indian regulator

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Commerzbank revealed its API Hub

This week another German bank has revealed their Developer Centre or API Hub in this case. This time it was Commerzbank. As we are approaching the deadline in most European countries to release test APIs in March and the release of production APIs in September this year, we will probably