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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…
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…
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….
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
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
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.
