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Open Banking Monitor 2022 - DE.pdf
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Three Go-To-Market approaches for banks to play in the Embedded Finance space
Embedding financial services at the point of need is one of the most exciting developments within the digital finance space right now. With new use cases and partnerships being announced almost daily and projected revenues generated through Embedded Finance (EmFi) north of a €100 billion in Europe, many banks feel the urge to explore...
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Navigating the data economy: key considerations for decision-makers in banking
In an article written by INNOPAY and recently published in Journal Payments Strategy and Systems (JPSS), the opportunities arising from FiDA, eIDAS2 and Data Acts are analysed, providing strategic considerations and key next steps for banks navigating the data economy. Here, we highlight six key points from the article to help banks ...
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Hot off the press: the new INNOPAY Open Banking Monitor report
The latest edition of the INNOPAY Open Banking Monitor report is now available, containing a round-up of Open Banking API offerings and developer experience features available from financial institutions across the globe plus a selection of articles summarising the major trends over the past year. Benefit from these insights into the key ...
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INNOPAY’s 7 key dimensions of mastering Open Finance maturity
Open Finance is growing rapidly as financial institutions continuously launch new APIs and improved developer portals to extend third-party access to financial products, services and customer data. However, there is more to Open Finance than that. INNOPAY has developed a comprehensive model covering seven key dime...
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INNOPAY launches Embedded Finance Radar
Unlocking value precisely at the point of need. That is exactly what embedded finance (EmFi) is about. EmFi transforms decoupled customer journeys into seamlessly integrated experiences within non-financial, digital platforms that matter in the daily lives of consumers and businesses alike. EmFi covers a broad range of financial products ...
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Quo Vadis Open Banking in DACH?
Market leaders further strengthen their competitive edgeDigital value propositions in financial services have seen a surge, accelerated by many factors, including regulatory pressure (e.g. PSD2), changing customer behaviour in part driven by the COVID-19 pandemic, as well as the latest buzz around ‘embedded finance’ enabling access to fin...
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Embedded financial services: unlocking value through strategic partnerships
Embedding financial services enables financial institutions to deliver value at the point of need. Through seamless integration, financial services and products can be made available in a broader customer journey, typically facilitated on non-financial, digital platforms. Such platforms serve sizeable client segments (retail, SMEs, corpor...
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INNOPAY OBM SNEAK PEAK: Embedded Payments on the rise
With financial institutions (FIs) playing a key role within the Embedded Finance value chain, assessing their Open Banking offerings is imperative to develop a comprehensive understanding of the breadth and depth of their services. These offerings serve as key enablers for emerging embedded business models in close collaboration with thei...
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Why corporate treasurers need Open APIs
The COVID-19 pandemic has accelerated the ongoing digital transformation process globally. This has also caused corporate treasurers to explore opportunities to digitise their business operations and look for possibilities to accelerate and optimise their decision-making. However, traditional digital channels are not equipped for real-tim...
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Embedded Finance
Embedded Finance is transforming the industry on the back of the growth of digital transactions in the modern financial landscape. It enhances the overall customer experience and provides new growth opportunities by seamlessly integrating financial data, products and services into non-financial digital ecosystems and platforms.
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The current status of Open Banking – and a glimpse into the future
In this guest blog that Mounaim Cortet has written for Nordea - a leading Nordic universal bank -, Mounaim shares the key findings from INNOPAY’s most recent Open Banking Monitor, with a special focus on Nordea as well as the future of Open Finance.INNOPAY’s Open Banking Monitor shows the efforts banks are making in expanding their A...
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INNOPAY names Mounaim Cortet as Country Manager DACH
INNOPAY has named Mounaim Cortet as the new country manager for the DACH region. As of 1 May 2022, he is responsible for the operations and further market development in this region. Mounaim has been working at INNOPAY since 2012 in positions including strategy director and global lead for strategy and open finance consulting services.&n...
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Open Finance
Open Finance is an emerging paradigm in the financial services industry in which value creation results from sharing, providing, and leveraging access to data, products, and services through application programming interfaces (APIs).
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Open Insurance
Insurers face unprecedented challenges. Technology is rapidly changing how they do business, giving them greater access to big data but also creating cybersecurity risks and increasing the threat of the Big Techs entering the insurance market. Moreover, the ongoing power shift in the client’s favour is making it vital for insurers to reth...
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Data Custodian
The rising importance of digital identity, consent management and data sharing has created a ‘Blue Ocean’ market for banks. We believe that they now have a unique opportunity to strengthen and truly safeguard their relevance in the data economy. But they need to start taking decisive action right now in order to demonstrate that they can ...
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3 must-do actions for banks to achieve relevance in the data economy
In today’s data economy in which everything has become a transaction, future relevance for banks is no longer based on payments alone. To help senior executives of banks to start leveraging their Open Banking capabilities in this context, we recommend three must-do actions to  holistically address the components of a digital trust in...
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PSD2 RTS one year on: snapshot of a growing TPP ecosystem
Today we celebrate the first ‘birthday’ of the Regulatory Technical Standards (RTS) on Strong Customer Authentication (SCA). 14 September 2019 was the date that marked the go-live of key security requirements for third party access to payment accounts (XS2A). Since then, banks have been required to open up certain payment functionalities ...
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The future relevance of banks in the data economy
The rising importance of Open Banking, digital identity, consent management and data sharing has created a ‘Blue Ocean’ market for banks. We believe that they now have a unique opportunity to strengthen and truly safeguard their relevance in the data economy. But they need to start taking decisive action right now in order to demonstrate ...
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News
Sneak preview of the INNOPAY Open Banking Monitor – May 2020
Keep an eye out for our upcoming blog on the latest INNOPAY Open Banking Monitor. We reflect on the status quo of the Open Banking landscape, discuss the new ‘Masters of Openness’ and explore what it takes to build, maintain and grow your Open Banking community. The updated version of our Open Banking Monitor will cover: ...
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Open Banking
Adding customer value through Open Banking by sharing, providing and leveraging access to bank resources through application programming interfaces (APIs). We support banks in their PSD2 and Open Banking transformation. Find out how.
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INNOPAY Open Banking Monitor: Banks moving beyond the PSD2 requirements
Open Banking has seen considerable activity in the last few months. Indeed, with the EU’s compliance deadline for PSD2 looming, Open Banking developer portals have emerged in great numbers, with 300-plus banks now in our monitor. In the recent release of the INNOPAY Open Banking Monitor (OBM), updated in August 2019, we described the cur...
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Open Banking Monitor (OBM) 2019: let’s take a moment to make up the rankings and identify potential new “Masters in Openness”
Looking back on a much eventful year in Open Banking; various banks have updated their Developer Portal in the last quarter of 2018, either by expanding the Functional Scope, by offering more APIs, or by introducing tools and features improving the Developer Experience. Predominantly with the shared goal of attracting more end-customers, ...
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