Open Banking Advent Calendar 2025
December 15th: Open Banking, Red Wine & Balance with Robert Kotov
Today’s Advent door pairs open banking with an unexpected festive favourite: a bottle of red wine.
Robert Kotov from iDenfy draws a playful but thoughtful comparison. Like red wine, open banking opens conversations, reveals character, and brings people together, but only when handled with care.
Used well, it unlocks valuable insights into customer behaviour and enables stronger identity verification…open banking not the wine🍷. Used poorly, it reminds us why balance, trust, and responsibility matter just as much as innovation.
In this cosy and clever reflection, Robert also highlights the importance of the infrastructure that makes open banking work, the kind that quietly enables access without getting in the way. Or, as he puts it, the bottle opener that lets everyone enjoy what’s inside.
A festive metaphor with a serious message: open banking works best when insight and integrity go hand in hand.
