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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n6318mlg.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n6318mlg.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n6318mlg.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n6318mlg.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n6318mlg.nxe :where(ul,ol){padding-left:20px}#nxe-n6318mlg.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n6318mlg.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n6318mlg.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n6318mlg.nxe svg{display:none}#nxe-n6318mlg.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n6318mlg.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n6318mlg.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"fieldmap\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A04 \u00b7 TOPIC \u00b7 open-finance<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Fintech Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Fintech Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Open finance<\/h1><p class=\"nx-tagline\">Open finance lets customers direct their bank, payment, savings, insurance and pension data to other providers through secure interfaces, and in some regimes lets those providers initiate payments. It promises competition and better products. It also creates new dependencies on interfaces, new paths for data misuse and new questions about who is liable when something goes wrong. This page sets out how data sharing changes operational, privacy and conduct risk, how it is measured, and who sets the rules.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-stage\" data-lv-fill=\"map\" data-lv-id=\"network\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"east-africa:finance\" data-ml-src=\"finance\" data-ml-plan=\"p-f067a537\"><div class=\"nx-wm\" data-nx-water=\"ctx-finance\" data-wm-domain=\"ctx-finance\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"28,-12,42,5\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Activity and exposure, East Africa: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Activity and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"1\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"cover\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"0\" data-wm-time=\"latest\" data-wm-op=\"0.7\" data-wm-short=\"Land cover\" data-wm-prov=\"NASA LP DAAC\" data-wm-kind=\"Satellite classification; latest year GIBS publishes\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land cover type (IGBP), yearly<\/span><span class=\"nx-wm-layer-src\">NASA LP DAAC MODIS Terra and Aqua land cover (MCD12Q1) \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"cover\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"xt\" data-wm-xt=\"6oPh6EhWj+gDMzpLLT8H\/wVfxJakWdyAB8snze2Nado=\">More expert tools<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>For open finance, in GRA's spatial-finance reading, the map opens on night lights and population density with night lights tonight from NASA GIBS, framed on East Africa; every other NASA layer, live feed and forecast waits in the layer list.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 \u00a9 OpenStreetMap contributors \u00b7 Natural Earth \u00b7 GDACS \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE \u00b7 NASA\/NOAA VIIRS<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\" target=\"_blank\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.land\">MODIS land products (vegetation indices, gross primary production, land cover), NASA LP DAAC and LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\" target=\"_blank\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\" target=\"_blank\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\" target=\"_blank\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><li>Live: GDACS (EC JRC \/ UN OCHA) Events are indicative, not official warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>Observed (EO): NASA\/NOAA VIIRS (Suomi NPP). We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS).<\/li><li>Optional layers (35 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Land cover type (IGBP), yearly: MODIS Terra and Aqua land cover (MCD12Q1), NASA LP DAAC \u00b7 <span data-wm-date=\"cover\">2024<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/open-finance\/#map\" data-nxf-title=\"Fintech Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-s-3-sec\"><span>02<\/span>Fintech risk and operations, in\u2026<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Open finance: how the risk develops<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Open finance is a regime in which customers can direct their bank, payment, savings, insurance and pension data to other providers through secure interfaces, and in some regimes let those providers initiate payments. It promises competition and better products, and it turns interfaces into infrastructure and consent into the control point.<\/p><\/div><\/div><\/section><section id=\"nx-s-3-sec\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Fintech risk and operations, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-fintech-ops\" data-cx=\"fintech.ops\" data-variant=\"section\" aria-label=\"Fintech risk and operations: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Fintech risk and operations<\/h3><p class=\"nx-fk-sub\">Open finance \u00b7 Fintech F1 \u00b7 Week 26<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Active users<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">754,823<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">7<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,6.5L10.2,7.9L18.4,11.7L26.5,13L34.7,17L42.9,18.9L51.1,23L59.3,22.6L67.5,19.4L75.6,20.1L83.8,17.6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,6.5L10.2,7.9L18.4,11.7L26.5,13L34.7,17L42.9,18.9L51.1,23L59.3,22.6L67.5,19.4L75.6,20.1L83.8,17.6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">API uptime, %<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">99.91<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,12.8L10.2,16.1L18.4,18.2L26.5,23L34.7,17.9L42.9,11.1L51.1,7.5L59.3,7.2L67.5,3L75.6,9.6L83.8,4.4L92,9.2L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,12.8L10.2,16.1L18.4,18.2L26.5,23L34.7,17.9L42.9,11.1L51.1,7.5L59.3,7.2L67.5,3L75.6,9.6L83.8,4.4L92,9.2\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"9.2\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Fraud per 10,000 transactions<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">6<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">1<\/span><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Alert<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,22.8L18.4,16.4L26.5,8.2L34.7,5.5L42.9,8.1L51.1,13.1L59.3,11.8L67.5,15.5L75.6,8.6L83.8,7.6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,22.8L18.4,16.4L26.5,8.2L34.7,5.5L42.9,8.1L51.1,13.1L59.3,11.8L67.5,15.5L75.6,8.6L83.8,7.6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Complaints open<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">272<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,23L18.4,19.2L26.5,22.1L34.7,17.7L42.9,11.9L51.1,13.3L59.3,7.8L67.5,11.5L75.6,5.5L83.8,3L92,18.3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,23L18.4,19.2L26.5,22.1L34.7,17.7L42.9,11.9L51.1,13.3L59.3,7.8L67.5,11.5L75.6,5.5L83.8,3L92,18.3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"18.3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Fraud spike on one channel<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Fintech Nexus<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Fraud rate by channel<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Fraud rate by channel\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-fintech-ops-c1\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Card not present|ink|l||0:47.4;1:48.1;2:51;3:46.6;4:44.1;5:48.3;6:48.2;7:51.9;8:57.8;9:58.3;10:54.6;11:50.8;12:53.8;13:56.7;14:60.1;15:65.9;16:70.3;17:74.9;18:74.3;19:78.9;20:75.7;21:82.1;22:78.4;23:81.5~Wallet transfer|acc|l||0:51.9;1:52.3;2:50.7;3:47.8;4:48.4;5:48.1;6:51.7;7:50.8;8:53.5;9:53.6;10:57.2;11:55.5;12:53.4;13:53.2;14:57;15:60.1;16:64.9;17:69.8;18:74.7;19:77.8;20:81.8;21:79.6;22:82.4;23:86.1\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"table\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Credit model fairness<\/h4><\/div><\/div><div class=\"nx-fk-tablewrap\" data-fk-view=\"table:cx-fintech-ops-t2\"><table class=\"nx-fk-table\" data-fk-table=\"cx-fintech-ops-t2\" aria-label=\"Credit model fairness\"><thead><tr><th scope=\"col\" data-col=\"c0\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c0\">Group<\/button><\/th><th scope=\"col\" data-col=\"c1\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c1\">Approval (%)<\/button><\/th><th scope=\"col\" data-col=\"c2\" data-num=\"true\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c2\">Default (%)<\/button><\/th><th scope=\"col\" data-col=\"c3\" aria-sort=\"none\"><button type=\"button\" data-fk-sort=\"c3\">Gap<\/button><\/th><\/tr><\/thead><tbody><tr data-fk-key=\"cx-fintech-ops:r2-0\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Women<\/td><td data-num=\"true\" data-sv=\"65\">65<\/td><td data-num=\"true\" data-sv=\"6\">6<\/td><td><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Within<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-1\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Rural<\/td><td data-num=\"true\" data-sv=\"38\">38<\/td><td data-num=\"true\" data-sv=\"3\">3<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><tr data-fk-key=\"cx-fintech-ops:r2-2\" tabindex=\"0\" role=\"row\" aria-selected=\"false\"><td>Under 25<\/td><td data-num=\"true\" data-sv=\"41\">41<\/td><td data-num=\"true\" data-sv=\"8\">8<\/td><td><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Review<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Fintech risk and operations: the screen's structure, terms and states for Open finance.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Open finance: how the risk develops.<\/h2><p class=\"nx-lede\">Data portability, privacy and access. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Interfaces become infrastructure<\/h3><p class=\"nx-p nx-mt-1\">Once third parties build services on bank interfaces, downtime or slow responses stop those services too. Availability and response-time standards turn an internal system into infrastructure that other firms and their customers rely on.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3.85 8.62a4 4 0 0 1 4.78-4.77 4 4 0 0 1 6.74 0 4 4 0 0 1 4.78 4.78 4 4 0 0 1 0 6.74 4 4 0 0 1-4.77 4.78 4 4 0 0 1-6.75 0 4 4 0 0 1-4.78-4.77 4 4 0 0 1 0-6.76Z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Consent is the control point<\/h3><p class=\"nx-p nx-mt-1\">Customers grant access through consent journeys that set scope and duration. Poorly designed journeys produce consent that is broad, forgotten or misunderstood, and data keep flowing after the need has passed.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"18\" height=\"11\" x=\"3\" y=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Credential sharing persists<\/h3><p class=\"nx-p nx-mt-1\">Where dedicated interfaces are weak or absent, providers fall back on screen scraping with the customer's own login details. Shared credentials widen the attack surface and blur liability when funds or data are lost.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m14.5 12.5-8 8a2.119 2.119 0 1 1-3-3l8-8\"\/><path d=\"m16 16 6-6\"\/><path d=\"m8 8 6-6\"\/><path d=\"m9 7 8 8\"\/><path d=\"m21 11-8-8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Liability gaps between parties<\/h3><p class=\"nx-p nx-mt-1\">A failed or fraudulent payment initiated through a third party touches the customer, the account provider and the initiating firm. Where dispute and redress rules are unclear, losses fall on whoever is least able to contest them.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Open banking<\/td><td data-label=\"Definition\">Open data sharing limited to payment accounts, as under the EU PSD2 regime.<\/td><\/tr><tr><td data-label=\"Term\">Screen scraping<\/td><td data-label=\"Definition\">Accessing account data by logging in with a customer's credentials instead of a dedicated interface.<\/td><\/tr><tr><td data-label=\"Term\">Third-party provider<\/td><td data-label=\"Definition\">A licensed firm that accesses account data or initiates payments with the customer's consent.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Dedicated interface availability<\/td><td data-label=\"Unit\">percent of time available<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Account provider performance reporting<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Interface response time<\/td><td data-label=\"Unit\">milliseconds at the median and the tail<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Account provider performance reporting<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Active consents<\/td><td data-label=\"Unit\">count by data scope<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Implementation entity statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Payments initiated through third parties<\/td><td data-label=\"Unit\">transactions per month<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">Implementation entity statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Authorised third-party providers<\/td><td data-label=\"Unit\">count by licence type<\/td><td data-label=\"Cadence\">monthly<\/td><td data-label=\"Source type\">National and EU registers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Complaints and disputes on data sharing<\/td><td data-label=\"Unit\">cases per quarter<\/td><td data-label=\"Cadence\">quarterly<\/td><td data-label=\"Source type\">Ombudsman and regulator records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Personal data breaches involving financial data<\/td><td data-label=\"Unit\">notifications per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Data protection authority records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/open-finance\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Open finance as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a04-topics-open-finance-aml-t nx-dag-a04-topics-open-finance-aml-d\" data-nx-z=\"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\"><title id=\"nx-dag-a04-topics-open-finance-aml-t\">Open finance: from customer due diligence to suspicious activity report<\/title><desc id=\"nx-dag-a04-topics-open-finance-aml-d\">Customer due diligence sets a risk rating; transaction monitoring scenarios raise alerts; analysts triage and investigate; the MLRO decides whether to report to the financial intelligence unit; feedback tunes the scenarios. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">EBA register of payment and electronic money institutions<\/td><td data-label=\"What it gives\">Authorised account information and payment initiation providers across the EU<\/td><td data-label=\"Licence class\">Public register, EBA terms<\/td><\/tr><tr><td data-label=\"Source\">UK Open Banking performance and usage statistics<\/td><td data-label=\"What it gives\">Interface availability, response times and call volumes by account provider<\/td><td data-label=\"Licence class\">Public records, terms per publisher<\/td><\/tr><tr><td data-label=\"Source\">Banco Central do Brasil Open Finance data<\/td><td data-label=\"What it gives\">Participants, consents and interface performance in Brazil's open finance system<\/td><td data-label=\"Licence class\">Public records, open data terms<\/td><\/tr><tr><td data-label=\"Source\">Financial regulator registers (FCA Financial Services Register and peers)<\/td><td data-label=\"What it gives\">Permissions held by each data and payment provider<\/td><td data-label=\"Licence class\">Public records, terms per regulator<\/td><\/tr><tr><td data-label=\"Source\">Data protection authority annual reports<\/td><td data-label=\"What it gives\">Breach notifications and enforcement involving financial data<\/td><td data-label=\"Licence class\">Public records, terms per authority<\/td><\/tr><tr><td data-label=\"Source\">Financial ombudsman decisions<\/td><td data-label=\"What it gives\">Disputes involving third-party access and payment initiation<\/td><td data-label=\"Licence class\">Public records, terms per scheme<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A04\/topics\/open-finance\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Fintech Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Financial and competition regulators<\/td><td data-label=\"The question\">Which data sets, products and firms an open finance regime covers, and on what timetable<\/td><td data-label=\"Evidence this page serves\">Comparative regime notes, uptake and performance statistics, complaint trends<\/td><\/tr><tr><td data-label=\"Who decides\">Implementation entities and standards bodies<\/td><td data-label=\"The question\">What interface, security and consent standards participants must meet<\/td><td data-label=\"Evidence this page serves\">Availability and response-time records, incident histories, consent design evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Data protection authorities<\/td><td data-label=\"The question\">Whether consent, purpose limitation and retention in data sharing meet the law<\/td><td data-label=\"Evidence this page serves\">Consent journey reviews, breach notifications, data-minimisation designs<\/td><\/tr><tr><td data-label=\"Who decides\">Boards of account providers and third-party firms<\/td><td data-label=\"The question\">How much to invest in interface resilience and in due diligence on the firms they connect to<\/td><td data-label=\"Evidence this page serves\">Interface performance, dependency maps, liability maps<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Comparative notes on open banking and open finance regimes<\/li><li>Interface resilience guides for account providers and third parties<\/li><li>Consent and data-minimisation design notes<\/li><li>Liability maps across the data and payment chain<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">The questions experts ask.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>Do customers understand and control what they consent to share?<\/li><li>Who is liable when shared data are misused or a breach occurs?<\/li><li>Does open finance improve competition and inclusion in practice?<\/li><li>How secure are the interfaces and the third parties that connect to them?<\/li><li>How do different jurisdictions' approaches compare?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Data, consent and interfaces.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Open finance relies on standardized application programming interfaces through which institutions share customer data, with the customer's consent, with authorized third parties. Approaches range from mandated regimes, where regulators require data sharing and set standards, to market-led arrangements. Some regimes extend to payment initiation, letting third parties move money on the customer's instruction.<\/p><p class=\"nx-p\">Consent is the foundation, and its quality is a known weakness: long terms, repeated prompts and complex data flows can make consent a formality. Liability allocation between data holders and recipients is complex, particularly when data pass through several intermediaries. Security depends on the weakest connected party, so the vetting and monitoring of third parties matter.<\/p><p class=\"nx-p\">Benefits depend on whether data sharing produces products that customers value, such as better credit assessment for people with thin credit files, or simply new channels for marketing. Evidence is still accumulating, and outcomes differ across markets.<\/p><p class=\"nx-p\">Interoperability is a practical constraint. Where each institution implements interfaces differently, third parties face high integration costs and uneven reliability, which limits competition; common technical standards, conformance testing and clear dispute arrangements are therefore as important as the legal mandate.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Methods and their limits.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Comparison<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Regime comparison<\/h3><p class=\"nx-p nx-mt-1\">Comparing legal frameworks, standards and adoption across jurisdictions.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Users<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Consumer research<\/h3><p class=\"nx-p nx-mt-1\">Studying understanding of consent and outcomes for users.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"18\" height=\"11\" x=\"3\" y=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Security<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Interface risk analysis<\/h3><p class=\"nx-p nx-mt-1\">Assessing security models and incident patterns.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">Limits: adoption data are often reported by industry bodies with incomplete coverage, and long-term effects on competition are hard to isolate.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/digital-identity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Digital identity and public digital systems<\/span><span class=\"nx-mledger-role\">Assurance-level mapping \u00b7 Remote proofing attack testing \u00b7 Exclusion analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/digital-identity\/\" aria-label=\"Digital identity and public digital systems: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/cybersecurity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Cybersecurity and cryptography<\/span><span class=\"nx-mledger-role\">Threat-led penetration testing \u00b7 Supply chain and dependency analysis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/cybersecurity\/\" aria-label=\"Cybersecurity and cryptography: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/payments-technology\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Payment and financial market technology<\/span><span class=\"nx-mledger-role\">Dependency mapping of a payment chain \u00b7 Liquidity stress simulation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\" aria-label=\"Payment and financial market technology: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Credit and fraud model evaluation \u00b7 Drift and challenger monitoring<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Open finance regimes differ in scope, legal basis and maturity, so comparisons across jurisdictions need care. Performance statistics are self-reported by account providers in many regimes. Consent counts say little about whether customers understood what they agreed to. Harm from data misuse is often discovered late and reported unevenly. Fintech Nexus does not set standards, authorise providers or rule on disputes; regulators, implementation entities, data protection authorities and ombudsman schemes do.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is the difference between open banking and open finance?<\/summary><div class=\"nx-answer\">Open banking usually covers payment accounts and payment initiation. Open finance extends data sharing to savings, credit, investments, insurance and pensions, which raises the stakes for consent, security and liability.<\/div><\/details><details><summary>Why is screen scraping a risk?<\/summary><div class=\"nx-answer\">Because the provider holds the customer's login credentials and acts as the customer. A breach exposes full account access, and the account provider cannot tell legitimate access from fraud.<\/div><\/details><details><summary>Who is liable when a third-party payment goes wrong?<\/summary><div class=\"nx-answer\">It depends on the regime. Under PSD2 the account provider usually refunds the customer first and may then seek recovery from the initiating provider. Other regimes allocate liability differently.<\/div><\/details><details><summary>Does Fintech Nexus authorise data-sharing providers?<\/summary><div class=\"nx-answer\">No. Authorisation belongs to financial regulators and, where they exist, implementation entities. Fintech Nexus prepares shared understanding of the risks and design choices involved.<\/div><\/details><details><summary>Does open finance mean my data is public?<\/summary><div class=\"nx-answer\">No. Data are shared only with authorized third parties, with the customer's consent, under the applicable rules.<\/div><\/details><details><summary>Does GRA take a position on open finance regimes?<\/summary><div class=\"nx-answer\">No. It studies their design and effects; policy choices belong to legislators and regulators.<\/div><\/details><details><summary>Is open finance the same as open banking?<\/summary><div class=\"nx-answer\">Open banking usually covers payment accounts; open finance extends the model to other financial products.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Fintech Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/payments-and-innovation\/\">Payments and innovation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/digital-assets-and-tokenization\/\">Digital assets and tokenisation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/ai-and-automation\/\">AI and automation <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/financial-identity\/\">Financial identity <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/fintech-operational-risk\/\">Fintech operational risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/regtech-and-supervision\/\">Regtech and supervision <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/\">Fintech Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Fintech Nexus<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Fintech%20Nexus%3A%20Open%20finance\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/fintech-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/open-finance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/fintech-nexus\/topics\/open-finance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between open banking and open finance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Open banking usually covers payment accounts and payment initiation. Open finance extends data sharing to savings, credit, investments, insurance and pensions, which raises the stakes for consent, security and liability.\"}},{\"@type\":\"Question\",\"name\":\"Why is screen scraping a risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because the provider holds the customer's login credentials and acts as the customer. A breach exposes full account access, and the account provider cannot tell legitimate access from fraud.\"}},{\"@type\":\"Question\",\"name\":\"Who is liable when a third-party payment goes wrong?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It depends on the regime. Under PSD2 the account provider usually refunds the customer first and may then seek recovery from the initiating provider. Other regimes allocate liability differently.\"}},{\"@type\":\"Question\",\"name\":\"Does Fintech Nexus authorise data-sharing providers?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Authorisation belongs to financial regulators and, where they exist, implementation entities. 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