Articles by Ozone API
KSA Payment Initiation Services: What To Expect
The Next Phase of KSA Open Banking Under the leadership of the Saudi Central Bank (SAMA), the Kingdom of Saudi Arabia continues to advance its Open Banking Framework as a core component of Vision 2030’s digital transformation agenda. Following the rollout of Account Information Services (AIS), the market is entering its next critical evolution: Payment…
11, Sep 2026
The Necessary Foundations for Consumer-Directed Finance in Canada — Lessons from Global Markets
Canada does not need to guess how consumer-directed finance plays out. It can watch. That is the country’s genuine advantage as it builds its Consumer-Driven Banking framework: every other major open banking market has already run the experiment, and each has left a different lesson Canada can improve on. The UK took over six years…
10, Sep 2026
What is FAPI? Financial-Grade API Explained
FAPI is the OpenID Foundation’s security profile for OAuth 2.0 and OpenID Connect, purpose-built for APIs that enable access to financial accounts to ensure the security model is “bank grade”, for example to access sensitive financial data, or to initiate transactions . In other words, it takes the two protocols and removes the insecure choices….
29, Jul 2026
How to Build a National Open Finance Ecosystem: A Guide for Regulators and Central Banks
The UAE built a fully operational national Open Finance API Hub in 12 months. The UK took nearly five years. Brazil took almost three. This guide examines the six building blocks, coalition model, and realistic delivery timeline that made that speed possible, and what regulators and central banks need to get right to do the same.
25, Jun 2026
The FCA’s Open Finance Roadmap: What It Means for Banks and Financial Institutions
The FCA has published its Open Finance Roadmap, with key milestones beginning this year and a 2030 horizon. Banks, lenders, and fintechs face a significantly wider scope than open banking, with real commercial opportunity for those who prepare early. Here is what the roadmap says and what it means for your business.
18, May 2026
The FCA’s Open Finance Roadmap Is Really Promising, but the UK Has Ground to Make Up
The FCA has published its Open Finance Roadmap with specific milestones, credible use cases, and an honest acknowledgement that the UK is catching up, not leading. We break down what the plan gets right, where the real risks are, and what regulators worldwide should take from it.
11, May 2026
Key Takeaways from FDX Global Summit 2026 with Chris Michael
At FDX Global Summit 2026, one theme dominated: banks are already moving on digital assets, but open finance doesn’t support them yet. Ozone API’s Co-Founder and CEO Chris Michael shares what it will take to close that gap, from solvable technical challenges to the case for global standards over market-by-market patchwork.
05, May 2026
What is Open Banking? The Complete Guide for 2026
Open banking facilitates the secure sharing of financial data. Read our comprehensive guide to learn everything Open Banking.
01, May 2026
GFT and Ozone API Partner to Guide Canadian Institutions Through Open Banking Transition
GFT and Ozone API are partnering to launch North American financial institutions into the open banking arena as Canada’s Consumer Driven-Banking Act accelerates adoption. The partnership eliminates implementation roadblocks, helping banks achieve compliance quickly while unlocking commercial opportunities through embedded finance.
29, Jan 2026
