Secure Open Banking Connectivity, Simplified

This month brought a new deferred payment submission flow that lets your application run checks for fraud prevention or internal compliance before a payment is finalised at the ASPSP. UI widgets also migrated to a new origin, with a January 2027 deprecation timeline worth knowing about.

You'll also find eight new integrations, five extended with new capabilities (card accounts in Italy, decoupled auth in Sweden, PIS at Svea Bank), reliability improvements across more than fifty ASPSPs, and a couple of brand consolidations in the Polish and Spanish markets.

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.

In April, we added Czech translations to the consent UI, a refreshed open banking integrations list that surfaces pan-European banks across every country they serve, and wider card account support across Italy.

You'll also find six new integrations, reliability and performance improvements across more than fifty ASPSPs, and a note about catching us at the Nordic Fintech Summit.

Enable Banking’s March 2026 changelog introduces expanded card account access in Italy, improving AIS coverage across major institutions. We’ve also launched a new “Get a Quote” tool to simplify onboarding and pricing, alongside ongoing integration improvements across Europe.

This month’s open banking updates focus on platform security, dependency hardening, localisation improvements, and expanded integration coverage. Highlights include an updated eIDAS broker, CVE-related upgrades across backend systems, improved Polish language handling, operational SumUp transaction fetching, and several new European bank integrations.

This month’s Open Banking updates focus on performance, scalability, and payment functionality. Highlights include a 10× improvement in infrastructure spin-up time, expanded bulk domestic payment support in Sweden, improved PSU header validation, and enhanced payment endpoint responses for TPPs.

The December 2025 changelog includes a new Control Panel demo session, enhanced internal monitoring across 2,500+ APIs, public Terms of Service, and expanded AIS and PIS integrations across Europe, along with ongoing reliability improvements.

In November, we introduced a new functionalities to control panel for application logs improvement, updated documentations for TPPs and bulk payment initiation, expanded PIS and AIS coverage, and optimized existing integrations.

At Enable Banking, we built an internal AI chatbot that lets our team talk to our documentation. Using a Retrieval-Augmented Generation (RAG) setup, we taught AI to fetch the right answers from our docs, fast, accurate, and with real business value. Here’s how we did it, what we learned, and why we believe AI can make internal knowledge tools both smarter and more human.

We sat down with Petter Alvstén, Head of UC’s consumer information business, to explore how UC combines decades of credit data with open banking and PSD2 insights to drive smarter lending, reduce risk, and give consumers more control over their financial data.

In October, we introduced a new endpoint for manual payment deletion, expanded PIS and AIS coverage, and extended default consent validity to 180 days.

We’re also launching live demo sessions for the Control Panel, giving users hands-on guidance for debugging, monitoring, and managing their integrations.

September’s Enable Banking Changelog introduces major updates for TPPs and developers. Explore our new TPP Infrastructure-as-a-Service documentation, which outlines how to operate under your own authorisation with full PSD2, GDPR, and DORA compliance. We’ve also expanded our Market Specifics section to cover all EU countries — including Norway, Romania, Malta, and Luxembourg — and launched a new smart certificate management tool to simplify renewals. Plus, new integrations with Artea (LT) and Banca Widiba (IT) are now live.

Enable Banking and A-Tono join forces to bring secure, seamless open banking to Italy, empowering 26,000+ businesses and consumers with smarter financial tools.

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.

This month’s changelog introduces a new FAQ on continuation keys for transaction fetching and key back office upgrades—secure credential management and expanded automated onboarding to 20+ ASPSPs.

In July 2025, Enable Banking expanded its open banking coverage to over 2,500 ASPSPs across Europe. New integrations were added in Austria, Croatia, and Finland—including a new PSD2 API from Aktia with extended consent validity. We also delivered improvements across more than 40 existing bank integrations, strengthening reliability and performance. These updates highlight our commitment to expanding coverage, improving data quality, and supporting TPPs with robust, production-ready connections.

CapitalBox is on a mission to make SME financing faster, smarter, and more human. Open Banking is a key part of the story. In this partner spotlight, Julija Varneckienė (COO) shares how real-time access to business account data has helped them cut onboarding times from days to minutes, reduce fraud, and deliver a more respectful, modern customer experience. She also talks about the value of working with Enable Banking, and what the future of SME lending looks like.

The Enable Banking June 2025 changelog introduces country-specific open banking insight pages, helping developers navigate market-level differences in SCA flows, payment types, and ASPSP behavior with less guesswork. We also launched automated emails for application status updates and added new integrations, including Alisa Bank and HSBC, alongside fixes across 40+ existing ASPSPs. Designed for technical teams, these updates aim to streamline decision-making, speed up implementation, and improve transparency.

Think you know Open Banking? In this free on-demand webinar, Sarah Häger explores five unexpected and practical use cases that go far beyond aggregation and onboarding. From fraud prevention to insurance gap detection, get a fresh look at how financial data is powering smarter decisions across banking, ERP, KYC, and fintech.

The May 2025 Enable Banking changelog introduces country-level ASPSP status notifications, public guides for hosting the eIDAS broker microservice on Azure and AWS, and expanded integration coverage, including new support for Artea, Facit Bank, SDC (with 1 SCA flow), and Wise. We’ve also rolled out fixes and enhancements across 30+ bank integrations in multiple regions.

April’s changelog introduces several technical improvements across the Enable Banking platform. Highlights include country-specific ASPSP status notifications, enhanced onboarding visibility, detailed authorisation flow logs, a new PSU error code for clearer resolution, and improved Control Panel tools. We’ve also added a request log copy feature and rolled out integration updates across more than 30 banks.

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.

Identity theft and fraud threats are more sophisticated than ever, but so are the solutions. In this interview, Robert Kotov, Head of Partnerships at iDenfy, explores how the company uses AI, biometrics, and open banking integrations to stay ahead. He highlights how their hybrid human-machine approach improves accuracy and trust, how industry-specific challenges are tackled, and why anticipating fraud’s next evolution is critical. With stories from real-world implementations and a vision for the digital ID future, this is a must-read for anyone serious about security, compliance, and seamless onboarding.

We’re back with a double edition of the Enable Banking changelog! Over February and March 2025, we’ve rolled out key updates across our Open Banking platform—from enhanced ASPSP group data and automation tools to log improvements and new integrations across Europe. Whether you're looking to track PSU IDs, onboard with less friction, or dive into our upgraded OpenAPI spec, this roundup has something for everyone.

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.