Insights

Our regular updates and articles give you advanced insight into the direction the Open Banking industry is moving.

Colombia Issues Open Finance Decree
07Sep

Colombia Issues Open Finance Decree

In October 2021, Colombia’s Ministry of Finance and Public Credit published for consultation a draft decree to regulate open finance. Open Banking Exchange (OBE) subsequently responded to the draft, encouraging…

Scheming about Open Banking Schemes
08Jul

Scheming about Open Banking Schemes

Schemes mean different things to different people, but in this case, a scheme is a collection of rules to which…

National Registers
08Jul

National Registers

A list of the National Registers of all European Markets, with links to each Register included.

EBA Fraud Discussion Paper – Analysis
08Jul

EBA Fraud Discussion Paper – Analysis

This report is a summary and analysis for OBE Members of the EBA Fraud Discussion Paper based on close reading…

The Risk of Only Checking eIDAS Certificates
05Jul

The Risk of Only Checking eIDAS Certificates

Despite its name, Open Banking does not make financial information widely accessible to anyone. Accessing banking information is only possible…

Global National Competent (NCA) Authority Codes List
21Apr

Global National Competent (NCA) Authority Codes List

This publication focuses on the regulatory-driven markets, all of which have approved competent authorities that authorise and supervise market players.

Regulation in Open Finance: An Overview of the Chile Fintech Law
24Feb

Regulation in Open Finance: An Overview of the Chile Fintech Law

This article summarises the regulatory status of open finance in Chile, depicting the objectives and stages of the Fintech Law.

Open Banking Exchange: Chile Summit Review
18Feb

Open Banking Exchange: Chile Summit Review

Open Banking Exchange (OBE) marked the start of its operations in Chile with a summit that brought the Financial Market…

CMF – Open Finance: Opportunities and Challenges
31Jan

CMF – Open Finance: Opportunities and Challenges

Open Finance: Opportunities and Challenges. Remarks by Kevin Cowan, Vice-President of the CMF, 'Open Banking Exchange Summit' (January 2022)

Response to URF Draft Decree on Open Finance
14Dec

Response to URF Draft Decree on Open Finance

In response to Colombia’s draft decree on open finance, OBE held a series of discussions with its member community and…

Year in Review:  Mexico Adopts an Open Financial System
07Dec

Year in Review: Mexico Adopts an Open Financial System

This article explores the nature of the market and the different market players, describing the challenges and opportunities presented by…

The Adoption of Open Insurance in Latin America
15Nov

The Adoption of Open Insurance in Latin America

Open Banking Exchange was delighted to welcome Thiago Duarte, Co-ordinator of the Open Insurance Project at the Superintendence of Private…

Colombia Publishes a Draft Decree on Open Finance
01Nov

Colombia Publishes a Draft Decree on Open Finance

On Friday 29 October 2021, Colombia’s Ministry of Finance and Public Credit published for consultation the first decree defining the…

Beyond Open Banking: The Berlin Group Open Finance Consultations
26Oct

Beyond Open Banking: The Berlin Group Open Finance Consultations

With open finance hotly discussed, one of the prominent areas of activity is the Berlin Group’s Open Finance workstream.

A Roadmap to Financial Inclusion in Latam and the Caribbean
26Oct

A Roadmap to Financial Inclusion in Latam and the Caribbean

This article looks at how open banking and open finance promote financial inclusion by providing access to better products and…

An Overview of the Open Banking Exchange Colombia Summit
13Oct

An Overview of the Open Banking Exchange Colombia Summit

A look back to the first Colombian summit with Open Banking Exchange, which connect the leading figures of Colombia's open…

The Chilean Government Present the Fintech Bill to Congress
15Sep

The Chilean Government Present the Fintech Bill to Congress

After several years of planning and consulting, the Chilean government presented the Fintech Bill to Congress, with the main aim…

Delivering Corporate APIs as part of Open Finance
11Aug

Delivering Corporate APIs as part of Open Finance

This article looks at corporate APIs from the perspective of increasing market demand, and frustration around what is available, and…

Open Banking Exchange Europe Notes on the EBA Obstacles to PSD2
07Aug

Open Banking Exchange Europe Notes on the EBA Obstacles to PSD2

Our notes on the topic cover authentication procedures, mandatory redirection, multiple SCAs, re-authentication, account selection, and more.

Open Finance: Who has the right to access Application Programming Interfaces?
05Aug

Open Finance: Who has the right to access Application Programming Interfaces?

Open Finance is generating a wave of innovation and investment while providing fundamental changes to how financial products and services…

URF Responses
04Aug

URF Responses

During industry discussions in June 2021, the Colombian ministry of finance raised a number of questions about the direction and…

The Challenges and Best Practices of eIDAS Renewal
31May

The Challenges and Best Practices of eIDAS Renewal

Many eIDAS certificates are reaching their 2-year term of expiring, this creates a problem for TPPs and banks. This article…

From Open Banking to Open Finance
28May

From Open Banking to Open Finance

Open Finance is a trending topic around the world. For the past two years, Europe has talked about Open Banking…

Updated PSD2 Certificate Standard, Ready for Open Finance
28Apr

Updated PSD2 Certificate Standard, Ready for Open Finance

There are three Open Finance cases where there are demands for certificates that are standardised but where PSD2 compliancy is…

Open Banking Enabled Services
13Apr

Open Banking Enabled Services

Open Banking Enabled Services are the services offered to End Users which rely fully or partially on Open Banking.

Delivering Brexit: New Year Changes to the European & UK Open Banking Environments
06Jan

Delivering Brexit: New Year Changes to the European & UK Open Banking Environments

At midnight on New Year’s day 2020 UK banks, payment institutions and electronic money institutions lost their right to offer…

Chaos or Continuity? To Revoke or Not to Revoke PSD2 eIDAS Certificates during Brexit Cutover
17Aug

Chaos or Continuity? To Revoke or Not to Revoke PSD2 eIDAS Certificates during Brexit Cutover

The EBA has stated that following Brexit, eIDAS certificates will be revoked. If true, this will cause problems for UK-to-UK…

The Impact of Brexit on European Open Banking
05Aug

The Impact of Brexit on European Open Banking

What happens to PSD2 requirements on Access to Account when the UK leaves the EU?

EBA Opinion on Obstacles Under Article 32(3) of the RTS on SCA and CSC

Directive (EU) 2015/2366 on payment services in the internal market (PSD2) requires Member States to ensure that customers have the…

OBE Europe Supplementary Comments for eIDAS Review
18Jan

OBE Europe Supplementary Comments for eIDAS Review

Over the last few years, OBE has worked with QTSPs, financial institutions and solution providers to ensure the smooth operation…

Open Banking Exchange Europe Supplementary Comments for eIDAS Review
18Jan

Open Banking Exchange Europe Supplementary Comments for eIDAS Review

From our experience with facilitating secure communications supported by qualified certificates, we wish to highlight several points for eIDAS review.

PSD2 APIs and Payload Signing – Towards a European Security Profile
04Dec

PSD2 APIs and Payload Signing – Towards a European Security Profile

This article describes a problem that emerged with the PSD2 APIs, and covers the work that Open Banking Exchange Europe…

EBA Publication of NCA Abbreviations for Inclusion in eIDAS Certificates for PSD2
12Aug

EBA Publication of NCA Abbreviations for Inclusion in eIDAS Certificates for PSD2

At the end of July 2019, the EBA officially published a standardised list of the names of the competent authorities.

How Many TPPs in Europe?
26Jul

How Many TPPs in Europe?

A few weeks before PSD2 Access to Account comes into force people are asking how many TPPs there actually are,…

PSD2: To Delay or Not to Delay? That is the Question
17Jul

PSD2: To Delay or Not to Delay? That is the Question

The TPP community is increasingly pushing for a delay to the regulatory deadline of 14th September 2019.

PSD2 Access to Account. Are We Nearly There Yet?
21Nov

PSD2 Access to Account. Are We Nearly There Yet?

As any parent with young children knows, the favourite question on a road trip is “Are we nearly there yet?”…

PSD2 XS2A: Granting Access, Certificates and Registers
18Apr

PSD2 XS2A: Granting Access, Certificates and Registers

This post covers what is required when it comes to granting access, certificates and registers, in particular the checks and…

PSD2 & Open Banking Exchange Europe: Navigating into 2018
15Jan

PSD2 & Open Banking Exchange Europe: Navigating into 2018

As we start a new year, and as PSD2 comes into effect, I wanted to give you a short message…

Update on PSD2 – Introducing Open Banking Exchange Europe
25Oct

Update on PSD2 – Introducing Open Banking Exchange Europe

This post covers a general update on PSD2, along with a bit of background on the Open Banking Exchange initiative,…

PSD2 XS2A State of Play
15Apr

PSD2 XS2A State of Play

Keeping up with the various discussions can be a full-time job, this article tries to give a snapshot of the…

What are Open, Interoperable API’s for PSD2?
24May

What are Open, Interoperable API’s for PSD2?

This post looks at the PSD2 text and then digs into what I think is meant by the words “API”,…

Scheming about Standards for PSD2 Access to Account
14Apr

Scheming about Standards for PSD2 Access to Account

This article covers the increasing number of conferences, where the impact of PSD2 has been discussed. At the same time,…

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