There are few more radical developments in the payments space than the concept of open banking. For decades, providers of payment services have focused on maintaining ‘closed’ systems that protect their accountholders’ data—and their own—at all costs. But the basic principle that value can be created by sharing key data assets rather than owning them has taken root. Working with third parties of all stripes, financial institutions can enable new app-based services quickly and easily. They can make the best possible use of existing bank products and assets and extract maximum value from them.
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