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

The Payments Association

Open finance extends beyond payments, empowering individuals and businesses with holistic financial management tools and personalised services. Open data, in turn, enriches these offerings, enabling innovative credit scoring and risk assessment beyond traditional banking channels. reached $1.1

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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. Merchants should assess exposure, engage with providers, and begin implementation planning ahead of key deadlines. It outlines ten regulatory changes affecting merchants in the UK and EU between 2025 and 2026.