At Enable Banking, we built an internal AI chatbot that lets our team talk to our documentation. Using a Retrieval-Augmented Generation (RAG) setup, we taught AI to fetch the right answers from our docs, fast, accurate, and with real business value. Here’s how we did it, what we learned, and why we believe AI can make internal knowledge tools both smarter and more human.

We sat down with Petter Alvstén, Head of UC’s consumer information business, to explore how UC combines decades of credit data with open banking and PSD2 insights to drive smarter lending, reduce risk, and give consumers more control over their financial data.

In October, we introduced a new endpoint for manual payment deletion, expanded PIS and AIS coverage, and extended default consent validity to 180 days.

We’re also launching live demo sessions for the Control Panel, giving users hands-on guidance for debugging, monitoring, and managing their integrations.

September’s Enable Banking Changelog introduces major updates for TPPs and developers. Explore our new TPP Infrastructure-as-a-Service documentation, which outlines how to operate under your own authorisation with full PSD2, GDPR, and DORA compliance. We’ve also expanded our Market Specifics section to cover all EU countries — including Norway, Romania, Malta, and Luxembourg — and launched a new smart certificate management tool to simplify renewals. Plus, new integrations with Artea (LT) and Banca Widiba (IT) are now live.

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.

CapitalBox is on a mission to make SME financing faster, smarter, and more human. Open Banking is a key part of the story. In this partner spotlight, Julija Varneckienė (COO) shares how real-time access to business account data has helped them cut onboarding times from days to minutes, reduce fraud, and deliver a more respectful, modern customer experience. She also talks about the value of working with Enable Banking, and what the future of SME lending looks like.

Think you know Open Banking? In this free on-demand webinar, Sarah Häger explores five unexpected and practical use cases that go far beyond aggregation and onboarding. From fraud prevention to insurance gap detection, get a fresh look at how financial data is powering smarter decisions across banking, ERP, KYC, and fintech.

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.

Identity theft and fraud threats are more sophisticated than ever, but so are the solutions. In this interview, Robert Kotov, Head of Partnerships at iDenfy, explores how the company uses AI, biometrics, and open banking integrations to stay ahead. He highlights how their hybrid human-machine approach improves accuracy and trust, how industry-specific challenges are tackled, and why anticipating fraud’s next evolution is critical. With stories from real-world implementations and a vision for the digital ID future, this is a must-read for anyone serious about security, compliance, and seamless onboarding.

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.

Qred Bank is transforming SME financing by offering fast, flexible, and digital-first lending solutions. Molly Wahlström, Customer Operations Manager at Qred, shares how their partnership with Enable Banking enables real-time financial data access, improving credit decisions and streamlining the lending process for small businesses across Europe.

Fimento is redefining credit insights and lending with AI, machine learning, and open banking. In this exclusive interview, CTO Jonas Deibe shares how their cutting-edge technology, combined with Enable Banking’s seamless data access, is driving smarter financial decisions. Find out how they’re bridging the gap between traditional banking and the future of AI-powered finance.

Enable Banking and Qred announce a strategic partnership to revolutionize financing for entrepreneurs. By leveraging real-time financial data and seamless account-to-account payments, Qred enhances credit decisions and operational efficiency. This collaboration highlights the transformative power of open banking in supporting small businesses, enabling them to grow, invest, and expand with ease.

Roaring, a leading Swedish data provider, collaborates with Enable Banking to unlock the power of open banking for businesses. Together, they streamline AML compliance, automate workflows, and enable smarter risk management with seamless API integration. Learn how this partnership is reshaping risk mitigation.

Explore how Props, founded by serial entrepreneur Tuomas Kohila, is reshaping the rewards and loyalty industry. By leveraging AI and Open Banking, Props combines personalization with robust consumer privacy protections. Read on to discover their innovative approach and partnership with Enable Banking.

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.

In this Partner Spotlight, Daniel Eremar, Head of Sales at Xpektor, explores how predictive analytics is transforming accounting. Discover how Xpektor harnesses Enable Banking’s real-time data to deliver unique insights, enhance decision-making, and drive innovation for clients across industries.

Enable Banking is named Finland's 5th largest fintech, leading the charge in open banking innovation with trusted APIs, cutting-edge solutions, and a commitment to partner success. Explore their journey of growth, impactful use cases, and vision for the future of open finance.

Meet Vendela Lyth Bolte, Enable Banking's newest Executive Trainee! In this spotlight, Vendela shares insights from her journey into fintech, her favorite aspects of the role, and valuable advice for aspiring professionals. From hands-on strategy projects to exploring Open Banking’s transformative potential, she’s diving headfirst into the fast-paced world of fintech.

In this Employee Spotlight, meet Eero Vahteri, a passionate software engineer at Enable Banking. Six months into his role, Eero shares his journey—from diving into Open Banking and integrating new banks to tackling the latest tech challenges in fintech. Discover his perspective on teamwork, continuous learning, and the rewarding pace of modern finance.