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PSD2 and the Open Banking Standard are regulatory mandates being applied to the banking industry by the European Banking Authority (EBA) and Competition & Markets Authority (CMA) across Europe and in the UK respectively. The regulations require that banks operating across the region expose open APIs to allow other banks and third parties to access the data they hold on customers, when the customer has given their explicit consent. Designed to improve choice for customers, create more competition and stimulate innovation in the finance sector, the introduction of 'open banking' in the UK and across the EU will transform banking as we know it.
PSD2 and the Open Banking Standard are regulatory mandates being applied to the banking industry by the European Banking Authority (EBA) and Competition & Markets Authority (CMA) across Europe and in the UK respectively. The regulations require that banks operating across the region expose open APIs to allow other banks and third parties to access the data they hold on customers, when the customer has given their explicit consent. Designed to improve choice for customers, create more competition and stimulate innovation in the finance sector, the introduction of 'open banking' in the UK and across the EU will transform banking as we know it.
