Secure Open Banking Connectivity, Simplified

For years, Open Banking has been seen primarily as a tool for credit risk assessment—but its potential reaches far beyond lending. With evolving regulations like PSD3 and the upcoming Financial Data Access framework (FIDA), new business opportunities are emerging across industries. From hyper-personalized loyalty programs to smarter SME lending, companies that embrace these changes can gain a competitive edge. The key? Viewing regulatory shifts as opportunities rather than obstacles and leveraging financial data in innovative ways. In this article, we explore how businesses can adapt, innovate, and thrive in the evolving Open Banking landscape.

Qred Bank is transforming SME financing by offering fast, flexible, and digital-first lending solutions. Molly Wahlström, Customer Operations Manager at Qred, shares how their partnership with Enable Banking enables real-time financial data access, improving credit decisions and streamlining the lending process for small businesses across Europe.

Fimento is redefining credit insights and lending with AI, machine learning, and open banking. In this exclusive interview, CTO Jonas Deibe shares how their cutting-edge technology, combined with Enable Banking’s seamless data access, is driving smarter financial decisions. Find out how they’re bridging the gap between traditional banking and the future of AI-powered finance.

In January 2025, Enable Banking introduced significant updates to enhance user experience and system functionality. Key improvements include better handling of payment initiation failures with detailed status reason information, comprehensive listing of final successful statuses for various payment types, and refined support for multiple decoupled authentication factors such as OTP_CODE and APP. Additionally, sandbox environment widgets now allow any origin, simplifying local testing, and custom CSS adjustments have been made easier with the inclusion of TPP-specific class attributes in the authentication UI. New integrations were also established with Banque Palatine (FR) for account information and payment initiation, and An Post Money (IE) for account information services.

Enable Banking and Qred announce a strategic partnership to revolutionize financing for entrepreneurs. By leveraging real-time financial data and seamless account-to-account payments, Qred enhances credit decisions and operational efficiency. This collaboration highlights the transformative power of open banking in supporting small businesses, enabling them to grow, invest, and expand with ease.

Discover Enable Banking's last changelog for 2024. From enhanced authorization flows to new AIS integrations and improved APIs, we’ve been working hard to optimize your open banking experience. Dive into the details and make the most of these changes as you prepare for the year ahead.

The Financial Data Access (FIDA) framework is more than just a regulatory shift—it’s an opportunity to innovate. By harmonizing financial data sharing across the EU, FIDA enables new possibilities, from personalized investment products to tailored insurance offerings. For banks and financial institutions, the key is to approach FIDA as a chance to reimagine customer engagement and unlock new value.

Discover Enable Banking's November 2024 updates, including enhanced payment data insights, semantic classes for seamless UI customization, and extensive API integration refinements. From new AIS integrations to streamlined payment handling, stay informed about how we're simplifying Open Banking.

In this Partner Spotlight, Daniel Eremar, Head of Sales at Xpektor, explores how predictive analytics is transforming accounting. Discover how Xpektor harnesses Enable Banking’s real-time data to deliver unique insights, enhance decision-making, and drive innovation for clients across industries.

Enable Banking is named Finland's 5th largest fintech, leading the charge in open banking innovation with trusted APIs, cutting-edge solutions, and a commitment to partner success. Explore their journey of growth, impactful use cases, and vision for the future of open finance.

Meet Vendela Lyth Bolte, Enable Banking's newest Executive Trainee! In this spotlight, Vendela shares insights from her journey into fintech, her favorite aspects of the role, and valuable advice for aspiring professionals. From hands-on strategy projects to exploring Open Banking’s transformative potential, she’s diving headfirst into the fast-paced world of fintech.

In October’s Changelog, we’ve introduced new features to streamline application activation, unrestriction, and updates for users, alongside extensive improvements and expansions in banking API integrations. From simplifying application management to adding integrations with major European banks, this update strengthens API performance and flexibility.

In this Employee Spotlight, meet Eero Vahteri, a passionate software engineer at Enable Banking. Six months into his role, Eero shares his journey—from diving into Open Banking and integrating new banks to tackling the latest tech challenges in fintech. Discover his perspective on teamwork, continuous learning, and the rewarding pace of modern finance.

In the world of Open Banking, synchronizing account transactions without unique transaction IDs can be challenging. Fedor Tyurin, our CTO, presents a robust step-by-step synchronization algorithm that focuses on a "day-by-day" approach and employs "double-check" verification to minimize errors. This algorithm utilizes consistent properties like booking date and amount to match transactions, providing a framework to handle the complexities of PSD2 APIs effectively.

In this Partner Spotlight, Stefan Agergaard Hansen, Chief Commercial Officer at Monthio, shares insights on how open banking is reshaping credit risk assessments. Learn how Monthio leverages cutting-edge technology to improve loan approval processes, increase transparency, and reduce risk for financial institutions.

Sarah Kok, CMO of Enable Banking, shares her journey from first-generation Open Banking to leading innovation in second-generation fintech. She reflects on the evolution of transactional data, the transition to API-driven technology, and how Enable Banking empowers clients while shaping the future of finance with transparency, trust, and cutting-edge solutions.

Open Banking is transforming the way businesses approach KYC compliance. By providing real-time financial data through secure APIs, Open Banking augments traditional KYC processes, helping businesses assess risk more accurately, verify the source of funds, and automate compliance workflows. In industries like fintech and crypto, this shift is crucial for reducing fraud, ensuring regulatory compliance, and delivering a faster, smoother onboarding experience.

Tommi Lassila from Aura Cloud discusses how their cutting-edge core banking platform is revolutionizing financial services. Learn how Aura Cloud’s rapid deployment and deep API integration are helping fintechs and banks streamline credit issuance and automate key processes—powered by innovative partnerships like the one with Enable Banking.

SAS EuroBonus is leading the way to a more personalized and insightful future for customer loyalty programs. We had the pleasure of sitting down with Madeleine Svantesson, Head of EuroBonus Partners at the Nordic Fintech Summit. Madeleine shares her experiences and insights on how SAS EuroBonus, the largest loyalty program in Scandinavia, is leveraging Open Banking to enhance member engagement and drive business growth.

Discover the latest updates from Enable Banking for September 2024. This changelog includes important security upgrades like Multi-Factor Authentication (MFA), new AIS integrations, and improvements to our Open Banking API services.

Since 2021, Orka Ventures has partnered with EnableBanking to revolutionize Open Banking in Iceland. Through the development of cutting-edge APIs and collaboration with Iceland’s three major banks, Orka has built a consumer-lending app that automates creditworthiness assessments. This partnership has empowered over 100 TPPs to leverage Open Banking data, transforming Iceland’s financial landscape with transparency, security, and innovation at its core.

In an insightful interview, Antti Harsunen, Country Manager for Signicat in Finland, delves into the company's leadership in digital identity and trust services. With the upcoming eIDAS 2 regulation, Signicat is poised to transform identity verification, offering consumers enhanced security and control over their data. Discover how Signicat’s partnership with Enable Banking and cutting-edge AI solutions are revolutionizing the landscape of secure authentication.

Froda used Enable Banking’s API to significantly increase the speed and accuracy of its risk checks. This resulted in reduced risk for Froda, instant loan decisions for customers and a fairer, more inclusive small business borrowing environment.

Explore Enable Banking August 2024 Changelog: Payment Status Webhooks, ASPSP Updates, New Integrations & More.

Explore the newest updates for July with Enable Banking's Changelog!

Join us for an insightful webinar with Sarah Häger, Chief Commercial Officer at Enable Banking, as she delves into the transformative power of open banking. With her extensive experience in both traditional banking and fintech, Sarah provides a unique perspective on leveraging open banking to drive innovation and enhance customer experiences.

Explore the newest updates for June with Enable Banking's Changelog!

Explore the newest updates for May with Enable Banking's Changelog!