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.

This month’s changelog introduces a new FAQ on continuation keys for transaction fetching and key back office upgrades—secure credential management and expanded automated onboarding to 20+ ASPSPs.

In July 2025, Enable Banking expanded its open banking coverage to over 2,500 ASPSPs across Europe. New integrations were added in Austria, Croatia, and Finland—including a new PSD2 API from Aktia with extended consent validity. We also delivered improvements across more than 40 existing bank integrations, strengthening reliability and performance. These updates highlight our commitment to expanding coverage, improving data quality, and supporting TPPs with robust, production-ready connections.

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.

The Enable Banking June 2025 changelog introduces country-specific open banking insight pages, helping developers navigate market-level differences in SCA flows, payment types, and ASPSP behavior with less guesswork. We also launched automated emails for application status updates and added new integrations, including Alisa Bank and HSBC, alongside fixes across 40+ existing ASPSPs. Designed for technical teams, these updates aim to streamline decision-making, speed up implementation, and improve transparency.

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.

The May 2025 Enable Banking changelog introduces country-level ASPSP status notifications, public guides for hosting the eIDAS broker microservice on Azure and AWS, and expanded integration coverage, including new support for Artea, Facit Bank, SDC (with 1 SCA flow), and Wise. We’ve also rolled out fixes and enhancements across 30+ bank integrations in multiple regions.

April’s changelog introduces several technical improvements across the Enable Banking platform. Highlights include country-specific ASPSP status notifications, enhanced onboarding visibility, detailed authorisation flow logs, a new PSU error code for clearer resolution, and improved Control Panel tools. We’ve also added a request log copy feature and rolled out integration updates across more than 30 banks.

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.

We’re back with a double edition of the Enable Banking changelog! Over February and March 2025, we’ve rolled out key updates across our Open Banking platform—from enhanced ASPSP group data and automation tools to log improvements and new integrations across Europe. Whether you're looking to track PSU IDs, onboard with less friction, or dive into our upgraded OpenAPI spec, this roundup has something for everyone.

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.

In January 2025, Enable Banking introduced significant updates to enhance user experience and system functionality. Key improvements include better handling of payment initiation failures with detailed status reason information, comprehensive listing of final successful statuses for various payment types, and refined support for multiple decoupled authentication factors such as OTP_CODE and APP. Additionally, sandbox environment widgets now allow any origin, simplifying local testing, and custom CSS adjustments have been made easier with the inclusion of TPP-specific class attributes in the authentication UI. New integrations were also established with Banque Palatine (FR) for account information and payment initiation, and An Post Money (IE) for account information services.

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.

Discover Enable Banking's last changelog for 2024. From enhanced authorization flows to new AIS integrations and improved APIs, we’ve been working hard to optimize your open banking experience. Dive into the details and make the most of these changes as you prepare for the year ahead.

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.