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Show Me the Money: Open Banking API Monetisation Models for Banks
How can banks monetise open banking APIs? Ozone API CEO & Co-Founder explores 3 commercial models to turn APIs into profit.
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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
Breaking Down the Silos: What Uruguay’s New Open Finance Decree Means for the Market
Uruguay’s financial sector is standing at the edge of its biggest structural shift in a generation. The Banco Central del Uruguay (BCU) recently published its draft bill (anteproyecto de ley), formalised as resolution P_2_2026, establishing a nationwide Open Finance System (Sistema de Finanzas Abiertas). It sits inside the BCU’s broader Hoja de Ruta del Sistema…
Phoebe Singer
27, Jul 2026
What is Embedded Finance?
Embedded finance is the implementation of financial services within non-financial contexts via standardised API connections to regulated bank infrastructure. Most coverage of embedded finance addresses the opportunity from the non-financial platform perspective: what it means for the retailer, the SaaS company, the marketplace. This piece takes the other angle, addressing what embedded finance means for…
What Our Regional GMs are Expecting in Open Finance this H2
The first half of 2026 has been busy; Colombia made open finance mandatory, Saudi Arabia issued its first commercial open banking licences, the UAE completed one of the most ambitious cross-border open finance experiments in the world, UKPI launched what it calls the first new UK payment scheme since 2008, and in Brussels, a decade-long…
Phoebe Singer
07, 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
Global Interoperability in Open Finance: 18 Months On
In September 2024, I published Global Interoperability, making the case that open finance would only deliver on its promise if the underlying plumbing was standardised globally, not just market by market. Eighteen months later, the landscape has changed considerably. More markets. More data. More urgency. Three arguments from that piece have aged particularly well, and…
