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From open banking to open finance and beyond: The future of financial data-sharing

The Payments Association

Open finance is transforming financial services by enabling broader data-sharing, fostering competition, and driving innovation in payments and financial products. As more jurisdictions refine regulations and expand open finance frameworks, the focus will shift to interoperability, consumer trust, and cross-industry data integration.

Finance 88
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How Companies Make Revenue from Payments and the Different Business Models

Clearly Payments

It encompasses various elements, including the target customer segment, value proposition, distribution channels, revenue streams, key resources, and cost structure. Embedded Finance Solutions Embedded finance is a rapidly growing trend that involves integrating financial services directly into software applications.

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Merchant-facing regulation: What merchants need to know in 2025

The Payments Association

These developments will impact merchant compliance, cost structures, customer experience, and operational risk. This standard introduces structured, enriched data formats for payment messagesimproving interoperability, fraud detection, and reconciliation. Why is it important? What’s next?