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.