Open Banking is Transforming Digital Payments

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New open banking standards will lead traditional banks to transform themselves into cloud-based providers of digital services that meet growing consumer demands. See how new standards will impact different geographies and payment regimes.


  • Third-party firms can build financial applications using a bank’s data and infrastructure using APIs
  • Businesses, banking and fintech are starting to invest in new technology to handle new forms of payment to keep up with consumer demands
  • New regulations are geared towards increasing innovation and collaboration between banks and fintechs so that customers have data security, transparency and choice.
The reason we have been growing so fast is because the world is moving online, but verifying identity has been stuck in the offline ... If you think the purpose of a bank is to connect borrowers and savers and centralise trust, we can decentralise the trust piece.
Husayn Kassai, Cofounder, Onfido (U.S.)

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