Huw Davies
Huw joined Ellie Duncan on Open Banking Expo Unplugged to discuss the ongoing industry conversation around open banking and open finance monetisation. Not just if banks should monetise, but how to strike the right balance.
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....
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
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...
Phoebe Singer
