A practical look at how UK banks can create commercial value from enhanced Open Banking APIs.
UK banks already hold years of customer financial data. The question is what happens when that information becomes part of a service a fintech partner can access through an API.
This white paper examines the commercial case for moving beyond basic Open Banking connectivity and exploring how enhanced API services could create new value for banks and their fintech partners.
Inside the Paper:
What JROC’s commercial framework means for premium Open Banking APIs.
Why basic account information offers limited differentiation for banks.
How affordability-related financial information could create additional value.
What Equifax’s published UK pricing reveals about the market.
The regulatory, data protection and commercial considerations for banks and fintech partners.
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Written by Sundhara. 9+ years in banking, formerly a Credit Officer at Bank of Baroda and a Wealth Relationship Manager at ICICI Bank.