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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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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
Three Routes to One Destination: Comparing Open Finance in Chile, Colombia and Peru
An Ozone API & Finerio Connect Article Ask three regulators to build the same thing, in the same region, in the same decade, and you get three different roads. Chile, Colombia, and Peru are all building toward Open Finance. None of them are doing it the same way, and none of them are on the…
02, Sep 2026
Colombia’s Open Finance Roadmap: Moving from Mandate to Operational
An Ozone API & Finerio Connect Article The shift in Colombia’s regulatory framework from an optional model to a mandatory requirement was paramount in setting clear, unified expectations across the entire financial ecosystem. With Open Finance officially backed by law since April 2026, the market’s focus has now turned to the critical transition from legal…
25, Aug 2026
Chile’s Open Finance System: Your Guide to Get Started
An Ozone API & Finerio Connect Article Most Open Finance debates in Latin America still centre on what the rules will say, but not Chile. The Sistema de Finanzas Abiertas (SFA) is defined in law, its technical annex is published, and every deadline that matters is already counting down. What’s left isn’t interpretation, it’s execution….
A Look at Peru: Two Open Finance Paths at Once
An Ozone API & Finerio Connect Article Peru is a market in the region where the final rulebook hasn’t been shared yet, and that’s precisely what makes it different. Ozone API and Finerio Connect track Chile, Colombia, and Peru as three distinct paths to the same destination, and Peru has only recently finished allowing market…
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…
