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.

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.

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.

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.

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.

Dive into Fintech Farm with Sarah Häger: Navigating from Open Banking to Open Data and Finance. Gain insights into the transformative journey encompassing Open Banking, wider Open Data influence, and the financial landscape.

Everything you need to know about the payment services directive, why it was updated, and how you can take advantage of the rules.

I recently discussed what to look for when selecting an open banking provider, a topic you can read more about here (opens new window). In this blog post I will dig a bit deeper into why the data security regulation…

Exploring Fintech Farm: Journey through Open Banking, Open Data, and Finance with Sarah Häger. Uncover insights into the evolving landscape, from Open Banking's impact to the broader realm of Open Data and Finance.

In the past three weeks that I've been working at Enable Banking, I've been asked a lot of questions about my career change. Two of the most common ones were…

Since I started at Enable banking two weeks ago, I have been asked several questions about my career change. The two most common questions that I have received are…

We were recently referred to the great blog post (opens new window)by Rolands Mesters, CEO and Co-founder of Nordigen, where he nicely explains the basics of the Open Banking stack.