Open Banking (OB) isn’t a feature - it’s the blueprint for banks to stay relevant in an APIsed economy. But exposing a few APIs is not innovation. Here's what really powers OB - and some myth busting.

OB is reshaping how we access and interact with financial services. At its core, it’s about unlocking data and making it securely available through modern infrastructure rails called APIs.

But the impact goes far beyond banking. OB is becoming the key enabler of today’s two most dominant business models:
— Platform economics
— Embedded finance…

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Banking 4.0 returns to Bucharest on 24-25 November with a bo...

Fystack Love how you visualized this stack. From our side building custody and wallet infra, it’s super clear that the mid-layer (wallets, compliance, identity) is where the magic happens. It's the critical bridge that turns raw blockchain rails into actual fintech products businesses can use. The next decade of finance is definitely being won right here. Spot on! Yesterday

Nicolas de Genot de Nieukerken Very much aligned with what you are descibing Panagiotis Kriaris;It it on point. I would just add that the players that benfit the most from open banking are the abnks themselves! Consuming OB for their own internal needs, onboarding a client, imoriving their risk assessement, taking faster decision on a consumer loan etc are all benefits to Banks, and also to their clients. I hope banks realize the opportunity this is, and the importance of having a strong paltform to raise the bar and explore new opportunitites. Ashwin Sharma Cyril Dougier Alejandra De Matteis 3d ago 3 likes

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Banking 4.0 returns to Bucharest on 24-25 November with a bo...