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Enable Banking Changelog | May 2023
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Open banking is quietly transforming industries far beyond personal finance apps. Already powering hyper-personalised loyalty programs, smarter KYC, faster SME lending, and real-time accounting, it’s delivering real value across the Nordics and beyond. But the next wave is even more surprising; reshaping recruitment, insurance, treasury management, and more. This article explores both today’s proven applications and tomorrow’s unexpected opportunities, and invites readers to join Sarah Häger’s webinar, Beyond the Obvious: Five Surprising Open Banking Use Cases, for a deeper look.
Open banking is evolving from regulation to innovation. With PSD3, AI, and embedded finance, Europe is moving toward open finance—and fast. Discover how businesses can lead this shift with smarter data use, deeper personalisation, and seamless financial experiences.
CCD2 expands the regulatory perimeter for consumer credit significantly, and raises the bar on how creditworthiness assessments must be conducted and documented. This FAQ covers the questions we hear most often, from which lenders are affected and what BNPL providers need to do, to how open banking data supports compliant affordability assessments and what good data infrastructure looks like in practice.