OpenFinity

?? Call for Speakers ?? OpenFinity Days - Where Open Finance meets AI and APIs ?? New York City ?? May 14 & 15, 2025 Apply to speak today! ?? https://lnkd.in/evvY2AKx #openfinance #AI #API Laurent Van Huffel, Laura Heritage

This article explores how Pay-by-bank works, its advantages and challenges, comparisons with European markets & key players. While still in its infancy, Pay-by-bank represents a major shift toward ????????????, ??????????????, and more ???????????? digital payments. Learning from Europe’s open banking successes, North America’s growth will depend on ???????????????? ???????? ??????????????????????????, ???????????????? ??????????????????, and ???????????????? ????????????????????. Examples of key players in North-America are: Plaid, MX, Trustly, Mastercard, Fiserv. #openfinance #paybybank #A2A Financial Data Exchange OpenFinity https://lnkd.in/eJ4zG59N

?? Beyond Open Banking: The Future of an Open Data Economy ?? Open Finance is just the beginning. As Heather Xiao, CEO of @Horizon-Zero and former Open Banking (UK OBIO) Product & Operations Director, shared in her OpenFinity Expo session, the real transformation comes when multiple industries embrace data sharing. ?? Energy, healthcare, transport, education, retail supply chains—every sector is moving towards openness. ?? An Open Data Economy will break down silos, enabling seamless experiences and unlocking new value. ?? The impact? A future where data empowers businesses and consumers alike in ways we’ve only begun to imagine. ?? The question isn't if, but when. How do you see Open Banking evolving into an Open Data Economy? Watch Heather's complete session at OpenFinity to learn more ?? https://lnkd.in/gpvkC96G Laura Heritage, Laurent Van Huffel #OpenBanking #OpenFinance #OpenData #DataSharing #Innovation

?? Open Finance Monetization: Rethinking the Revenue Model ?? When we talk about monetizing Open Banking, the conversation often starts with direct revenue models. But as Kieran Hines from Celent shared at OpenFinity Expo, the reality is different: ?? Most monetization opportunities are indirect – not the pay-per-click revenue streams many had anticipated. ?? Compliance will dominate investment in the U.S. over the next few years, but banks are also upgrading core infrastructure for long-term gains. ?? The real value lies in leveraging Open Finance data to enhance customer experiences, reduce friction, and improve workflows. ?? Open Banking isn’t a solution in itself—it’s an enabler. The real question is: How are you using it to create value? Watch Kieran's full session below to dive deeper into Monetization?? https://lnkd.in/g-c3Tx2u #OpenBanking #OpenFinance #DataMonetization #BankingInnovation #CustomerExperience

?? Open Finance Monetization: A 2-Way Street ?? For years, Open Banking has been seen as a one-way door—banks providing access to data while fintechs and challengers build new services. But as Kieran Hines from Celent pointed out in his OpenFinity Expo session, the industry is experiencing a great awakening: ?? Open Banking isn’t just about giving access—it’s also about leveraging access. Banks don’t just have to provide data; they can also consume it, unlocking new products, services, and customer experiences. This shift in perspective has taken time, but the realization is clear: ?? Banks can monetize Open Finance—not just by complying, but by innovating. So, the question is: How are financial institutions adapting to this new, two-way model of Open Finance? Watch the full Session ?? https://lnkd.in/g-c3Tx2u Laura Heritage, Laurent Van Huffel #OpenBanking #OpenFinance #BankingInnovation #DataMonetization #FinancialServices

Register today for OpenFinity Days today and receive a $200 early bird discount. Plus if you are an OpenFinity member receive an extra 10% discount. Register Here ?? https://lnkd.in/edZyEwkg See you there!, Laura Heritage, Laurent Van Huffel apidays, Financial Data Exchange

?? Why your Sandbox Isn't Safe ?? More great insights from Barry O'Donohoe from Raidiam at OpenFinity Expo. What we’ve found is that sandbox environments rarely reflect production environments – and that’s a major challenge for Open Finance ecosystems. Almost every ecosystem falls into the same pitfall: certifying in pre-production and assuming everything will work flawlessly in production. But our experience shows that’s rarely the case. ? Pre-prod and prod may look similar, but under the hood, they can be very different. ?? Interoperability and compliance issues discovered in a live environment can damage consumer trust and market stability. So what’s the key takeaway? ?? Production-level testing is critical. Don’t just certify in sandbox—make sure your live systems can truly handle real-world demands. Watch Barry's full session in the link below ?? https://lnkd.in/g99e-VGm #OpenBanking #Interoperability #Testing #APIs #OpenFinance

Why does Open Finance need a Trust Framework? Listen to Barry O'Donohoe the Co-Founder and CEO of Raidiam give a quick 1 minute explanation from his session at the OpenFinity Expo ?? Watch the full session to hear the details ?? https://lnkd.in/g99e-VGm Laurent Van Huffel, Laura Heritage

Open Banking Implementation for Banks & Credit Unions ?? March 6 at 12pm ET ?? Register Today https://lnkd.in/gKccjmKT Laura Heritage Laurent Van Huffel Bryan H. iNTELLiTRADE Nicholas Zeman Zions Bancorporation Brandon Kunz Faio #openFinance #openBanking

The future of finance moves fast, be?the one leading it! Join the OpenFinity FDX APIs Hackathon ?? https://lnkd.in/edrc4cSx Financial Data Exchange #OpenFinance #OpenBanking #AI #APIs Laura Heritage Laurent Van Huffel