Open Banking Advent Calendar 2025

For Day 18 of the Open Banking Advent Calendar, Sarah Kok, CMO at Enable Banking, reflects on a defining year for open banking and what it means for the future of finance.

Across the industry, AI is transforming financial services, from risk and payments to customer experience. But AI is only as powerful as the quality of the data behind it. This is where open banking platforms play a critical role, providing secure, permission-based access to real-time financial data.

In this short video, Sarah shares how Enable Banking’s partners, including UC, CapitalBox, iDenfy, Qred Bank, and Fimento, are using open banking data to turn insight into action. From better credit decisions to stronger identity verification and smarter financial products, the examples prove one thing: the technology is ready.

The real bottleneck is no longer infrastructure or regulation.
It’s imagination.

The year also brought key milestones for Enable Banking, including joining the Visa Innovation Program and seeing new voices in the ecosystem step confidently onto the stage. Together, they signal a shift from early adoption to real momentum in open banking.

This episode is a reminder that open banking is not just a technical upgrade. It is the foundation for AI-driven finance, and the next wave of innovation will be shaped by how boldly companies choose to build on it.

🎄 Watch Day 18 of the Open Banking Advent Calendar and explore how data, trust, and creativity are shaping what comes next.