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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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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…
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
Colombia’s Open Finance Just Became Mandatory: What Decree 0368 Means for Banks
On April 7, 2026, Colombia formally mandated Open Finance participation for all supervised financial entities via Decree 0368. This article breaks down what the decree requires, what makes its consent and cost recovery models distinctive, and what financial institutions should be doing right now to stay ahead of the implementation timeline.
Fabio Caldeira
29, Apr 2026
Canada’s Consumer-Driven Banking Act Is Now Law: What It Means, What’s Still Missing, and What Banks Should Do Next
Canada’s Consumer-Driven Banking Act received Royal Assent on March 26th. Eyal Sivan, GM for North America at Ozone API and host of the Mr. Open Banking podcast, breaks down what the legislation actually settles, where Canada sits relative to other markets, and what banks and credit unions should be doing right now.
Eyal Sivan
08, Apr 2026
Commercialising Open Banking: A Practical Guide
Around 60 jurisdictions have implemented open banking regulation. Most banks are still treating it as a compliance cost. This guide lays out the practical steps to change that — covering three API business models, regional considerations, and a realistic roadmap from compliance to commercialisation.
Huw Davies
30, Mar 2026
“Once It Really Takes Off, It’ll Be Unstoppable”: Why the U.S. Open Banking Market Is on the Brink
The U.S. open banking market has always moved on its own terms. But with JP Morgan now charging for API access, the commercial conversation has changed. Dame Jayne-Anne Gadhia, Ex-CEO of Virgin Money, joins Huw Davies to discuss data ownership, fairness, and why the U.S. won’t stay in its holding pattern much longer.
Shannon Bellringer
23, Mar 2026
“We Were Thrilled About It”: Virgin Money’s Former CEO on Open Banking’s Early Days
During our podcast episode Off the Record: Huw Davies and Jayne-Anne Gadhia on Global Open Finance, Dame Jayne-Anne shares her first-hand experience of what it was like to be right at the heart of the UK’s open banking revolution. As CEO of Virgin Money during those early days, she witnessed the regulatory push for competition,…
Shannon Bellringer
19, Feb 2026
