Fintech Partnerships: The Real Benefits of Open Banking for Established Banks

Anne O’Leary, Mapa Research

Open Banking came into effect in January 2018 with the implementation of the Second Payments Services Directive (PSD2) in the UK. This was initially heralded as the end of traditional incumbent banking. The threat from external aggregators seemed real and urgent.

Last year, however, the rollout of open banking wasn’t as dramatic or disruptive as expected. Payment initiation is still rare with providers and apps like Yolt …

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