Open Banking Advent Calendar 2025
December 25th: A Look Ahead and a Thank You from Joonas Tomperi
For the final door of our Open Banking Advent Calendar, we hear from Joonas Tomperi, CEO and co-founder of Enable Banking, with a festive message and an optimistic look toward the year ahead.
Joonas starts by wishing everyone a Merry Christmas and shares his excitement for what promises to be an intense and exciting year ahead. Looking across Europe, he highlights a major shift he expects to see in open banking and regulation. Instant payments and account to account payments are set to become mainstream across the region, changing how money moves in everyday life.
He also points to real progress toward FIDA and open finance, where open banking expands into a broader financial ecosystem. At Enable Banking, the past year has been marked by strong momentum and meaningful collaboration.
From loyalty programs built on open banking data to new opportunities in lending, the range of use cases continues to grow, showing just how much value can be created when data is used responsibly and creatively.
Above all, Joonas takes a moment to thank Enable Banking’s partners for their trust, collaboration, and willingness to build together. His message for the year ahead is clear. Have the courage to try new things. Bring startup products into your organisation. Experiment, learn, and move forward with curiosity.
Merry Christmas and Happy New Year from all of us at Enable Banking. 🎄✨
Topics covered in this episode:
Instant payments and account to account payments in Europe
The future of open banking and the move toward open finance under FIDA
Real world open banking use cases in loyalty programs and lending
Collaboration and partnerships across the open banking ecosystem
Innovation, experimentation, and adopting startup products