Europe | Open Banking Exchange

Open finance is one of the most promising new chapters in fintech. But shifting to open banking requires significant resources and banks often tend to see no immediate benefits. How do regulators manage these competing interests? How can they ensure delivery of an open finance system that works for all?

Building Open Ecosystems

Together

Experts in understanding and building standards and frameworks, Open Banking Exchange (OBE) provides subject matter expertise and advisory services to enable the advancement of open banking and open finance globally.

Find Out More

Impartial Strategic Advice

Our consultancy and advisory team work with central banks and regulatory authorities in the context of market infrastructure development and operations.

Find Out More

Trusted Networks and Relationships

Our expertise in managing cross-industry, multi-stakeholder working groups, comes to life through our community-led OBE Membership Programme.

Learn More

Previous slide

Next slide

The European Open Banking and Open Finance ecosystem is evolving. Following the rollout and implementation of PSD2 Open Banking, the industry is moving forward. While the legislators review the PSD2 and an Open Finance Framework, private initiatives are taking off.

OBE in
Europe

Open Banking Schemes like the SPAA, premium APIs and other initiatives are shaping the Ecosystem. Open Banking Exchange (OBE) Europe is a community pioneering the open banking movement ensuring all Members are consistently ahead of the curve. OBE is a pan-European, fully-inclusive initiative available to all parties within the open banking ecosystem. Members come together to proactively and jointly shape the industry to create commercial opportunities, collaborate, solve problems and remove risk.

Members of Open Banking Exchange (OBE) Europe can access our industry experts and the latest regulatory information, alongside best practices and support. Members are encouraged to bring challenges to the table, pioneer new solutions that reduce cost, and realise commercial benefits driving confidence within their organisation.

Unparalleled Industry knowledge & proven Track Record

OBE builds upon experiences gained and lessons learnt, enabling open and secure ecosystems to be developed across the globe.

Trusted

OBE leverages the wealth of experience and past achievements of Open Banking Europe.

Impartial

OBE maintains a neutral position in the market via trusted networks and relationships across the globe.

Market Experts

Experience working with central banks and regulatory authorities in the context of market infrastructure development and operations.

Community Led

Proven expertise in managing cross-industry, multi-stakeholder working groups with design decisions made with stakeholder agreement.

Consultancy & Advice

Open finance is the next stage in the open banking journey. It has the potential to expand access to financial services driving innovation and broader participation in the digital economy. Industry stakeholders will benefit from the practical experience of Open Banking Exchange (OBE), which helps regulators and central banks around the world to reap the full rewards of open banking.

OBE collaborates with central banks, regulators, and market participants to set out national and local commitments and goals.

We learn from other regions and build on our work in Europe, South America, and Asia to guide open banking implementations.

We design standards so that they become applicable in specific jurisdictions and achieve the specific goals of our clients.

We provide industry experts to assist in practical and operational design, the implementation of industry-level governance, and technical and operational arrangements.

How we Excel

Tailored Strategic Plans: Optimise time management and decision-making by collaborating on tailored strategic plans for the implementation of open finance.
National Methodology: Benefit from a national methodology for assessing the viability of solutions with defined entry points, enabling consistency and accelerating delivery.
Technical Delivery: Knowledge of implementing innovative technologies to reduce cost, maximise security, and improve user experience.
Best Practice Guides and Rulebooks: Reduce time to market by implementing our functional standards and best practice guides which benefit all market participants and comply with regulatory objectives.

Membership Programme

Together we proactively and jointly shape the industry by creating commercial opportunities, solving problems, and removing risk.

How to Participate

Join our stakeholder forums and working groups to exchange experiences, identify and discuss emerging issues and raise awareness of best practices

Who can Join

Our regional Membership Programmes are available to all participants of the open banking ecosystem on a subscription basis. Whether you are a Certificate Authority, Financial Institution, Fintech, Regulator, Scheme Manager or Service provider, you will benefit from what we offer.

Benefits of joining

With a wide range of services and offerings to suit different business needs, get in touch today to find out how you can make the most of our OBE Membership Programme.

Gain Knowledge

Our reviews of industry reports help you verify your understanding of a topic and how you might be impacted by change.

Plan Effectively

Our webinars and all-Member meetings mean you are always prepared for what’s coming next.

Position for Success

Access to our subject matter experts and library of white papers and reports means you can get ahead of the curve and build market share.

Empower Change

Collaboration with like-minded peers at our working groups enables you to contribute to the development of the industry.

Save Resources

Receive the latest information through a single channel instead of collecting it through multiple sources.

Build Relationships

A ready-made network that meets regularly enables relationships to be formed with other key industry players.

Why we
are trusted

“Participating in the OBE initiative not only contributes to solving a substantial element of PSD2, but also has been beneficial on clarification of many related topics of this regulation.”

Raiffeisen Bank

“Open banking has created an innovation engine for next-generation financial experiences. We're excited to be at the forefront of this innovation and join Open Banking Exchange to help build understanding of how open banking can help empower more consumers and businesses around the world.”

Mastercard

“Participating as a QTSP Member in the OBE initiative gives us access to important information and resources for us to provide PSD2 certificates required to enable the vision of PSD2.”

Buypass

“OBE plays an important role in facilitating networking between financial entities and certification service providers. We value the way the initiative accommodates the needs of banks and intermediaries with a range of quality certification services, within a secure context.”

Arubapec

“OBE provides us with an overview of PSD2 issues from a variety of perspectives, ranging from QTSPs through NCAs to PSPs and other interested parties. Together, we can quickly respond to the challenges posed by new market and regulatory demands, which include new updates to standards and achieving required compliance and interoperability.”

Fina

“OBE the initiative of bringing together PSPs and QTSPs has been fundamental for the takeoff of open banking under PSD2. Multicert proudly endorses the OBE programme as a way to move forward with the business, technical and compliance challenges of PSD2 at industry level.”

Multicert

“Microsec, as a QTSP, is dedicated to contributing to the security and trust in electronic transactions across Europe, through our high-quality PKI solutions, qualified trust services and our active participation in standardisation (as a full member of ETSI) and industry forums. Through the OBE initiative, we can support the success of PSD2 with our eIDAS-related expertise and proactive problem-solving attitude.”

Microsec

“The OBE initiative fills in important pieces in the PSD2 puzzle, highly appreciated by EVRY.”

EVRY

“Managing the risks of unauthorised access is key for the banks in the post-PSD2 era. Through our partnership with OBE, Crosskey can offer premium risk mitigation services to the customers of our Open Banking platform.”

Crosskey

“OBE has identified and successfully initiated workaround required infrastructure for PSD2 that will benefit all European payment service providers including SEB.”

Skandinaviska Enskilda Banken

“The OBE initiative is a great way of solving common challenges in a harmonised PSD2 ecosystem.”

DNB

Industry Collaboration

OBE is an active participant in industry groups and forums across Europe.

We work in partnership with ETSI (European Telecommunications Standards Institute) OBE and ETSI work together on the promotion and awareness of relevant standards, practices and legislations.

We are in collaboration with The European Third Party Providers Association (ETPPA). The European trade association, representing the interests of bank-independent TPPs.

We are a Member of the Euro Banking Association (EBA) – an industry forum for the European Payments Industry, aiming to drive pan-European payments initiatives.

We are an invited Industry Advisor on the EPC SRTP (SEPA Request to Pay) and a Member of the EPC SPAA Scheme Interest Group (SEPA Payment Account Access).