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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.
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.
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.
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
“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
Understanding ASPSPs and TPPs in the UK and Europe: The Two Sides of Open Banking
Lost in open banking acronyms? This guide explains who holds customer data (ASPSPs) and who uses it (TPPs) in the UK and European ecosystem. Find out which side your business is on and what that means for your strategy.
Shannon Bellringer
