Unleashing the potential of Open Banking

The Payments Association passionately believes that open banking will be a force for good and a driver of innovation, value and positive change in the payments industry. Sponsored by a syndicate of Payments Association members led by MasterCard, Refinitiv, Token and Chargebacks 911, this white paper, informed by a series of discussions and expert interviews, presents a number of recommendations to support the development of a thriving open banking ecosystem.

As we manage the impact of the COVID-19 health crisis and our recovery from it, there has never been a more important time for economies to have strong digital economies with data and payments available via secure APIs. So, this report sets out to clarify the potential of the open banking opportunity, identify what might hamper its realisation and recommend what the community can do to unleash it. We encourage everyone involved in the payments industry, from issuers and regulators, retailers and acquirers, regulators and TPPs, to take the time to read the white paper, engage with us and share your views about it, and support us in making the recommendations a reality. Implemented effectively, they will pave the way for payments to play a central role in enabling a transformative change in financial services in the UK and around the world.

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