Citizens Advice uses PayPoint and AperiData financial support tool to speed up debt assessments Citizens Advice helped 2.5m people with support in 2024, including advice on debt and money management. Its Stevenage team used PayPoint and AperiData’s FIS Customer Support Tool to speed up financial assessments, enabling advisers to offer advice faster, reduce the number of clients who drop out of support, and helping build financial resilience. Read the case study OBL launches public consultation on the mLA for cVRPs We are pleased to publish the public consultation on the Commercial Variable Recurring Payments (cVRP) Multilateral Agreement (MLA). We have published this alongside the draft documents that make up the MLA for cVRPs, and we welcome written responses from the industry. Please submit your feedback by 28 February. Read the consultation and the MLA Open banking and smart data – expert predictions 2025 After a positive year for open banking, we ask industry and OBL experts for their views on key developments for 2025 from business borrowing to consumer protection; from financial inclusion to fraud; and from the National Payments Vision to a smart data economy. Read their views JANUARY HIGHLIGHTS “Providing consumers with easier access to their data and the ability to share it with third parties can drive competition and innovation in different economic sectors.The announcement of the Data (Use and Access) Bill last year signalled clear intent from the Government about the importance of building on open banking’s data sharing principles to deliver a smart data economy that the Department for Science and Technology estimates is worth £10 billion over 10 years.”Henk Van Hulle, OBL CEO Read more OBL celebrates 7th anniversary of PSD2 and the creation of open banking OBL marks the seventh anniversary of PSD2 being implemented in the UK, which made open banking a regulatory requirement, along with the CMA Order. With 11.7m active users, we are looking forward to a productive 2025 which will see the Data Bill progressing through Parliament, paving the way for the evolution into open finance and a smart data economy. Read more OBL publishes JROC report: Financial Crime within Open Banking journeys Open Banking Limited (OBL) is pleased to publish the final report for JROC Workstream 2a, Financial Crime within Open Banking journeys, which is the result of extensive consultation with the ecosystem, regulators and relevant industry bodies. It is the first time that such a rich dataset and insights have been gathered specifically relating to fraud in open banking. Read the report Select to scroll to the previous slide Select to scroll to the next slide ECOSYSTEMFind all the information and support your organisation needs to create personalised open banking-enabled services. Account ProvidersForge links to a thriving community of fintechs and other innovative firms – collaborating to deliver value-adds, tailored to customers’ financial needs via their bank transaction data.Find out more Fintechs (TPPs)Build your proposition with access to the expertise and tools of a world-leading open banking ecosystem – plus the Open Banking Directory of participants.Find out more Technical service providersFrom security standards to support services, open banking gives you trusted credentials.Find out more RegulatoryInformation and guides to help you navigate open banking regulation, from the CMA order to PSD2 and more.Find out more December API performance99.75%Average API Availability328msAverage API Response Time99.21%Successful API Calls (%)99.79%Average API availability – weighted1853.8mSuccessful API Calls Actual0.79%Failed API CallsSee all latest figures BENEFITS Explore the many practical ways that open banking can help you take control of your finances. Consumers Open banking is a secure way to help you understand your day-to-day finances, find cost-effective lending, and help tackle debt. Find out more BusinessesOpen banking data and payments solutions can help businesses manage their finances, control cash flow and improve financial forecasting.Find out more LATEST NEWS AND INSIGHTS Case studies Citizens Advice uses PayPoint and AperiData financial support tool to speed up debt assessments 19 February 2025 Read more Banking Satisfaction Survey The CMA publishes latest Banking Service Quality Indicators 17 February 2025 Read more Report OBL launches public consultation on the MLA for commercial variable recurring payments 30 January 2025 Read more Thought Leadership Open banking and smart data – expert predictions 2025 21 January 2025 Read more Press Releases OBL celebrates seventh anniversary of PSD2 and the creation of open banking 13 January 2025 Read more
Citizens Advice uses PayPoint and AperiData financial support tool to speed up debt assessments Citizens Advice helped 2.5m people with support in 2024, including advice on debt and money management. Its Stevenage team used PayPoint and AperiData’s FIS Customer Support Tool to speed up financial assessments, enabling advisers to offer advice faster, reduce the number of clients who drop out of support, and helping build financial resilience. Read the case study OBL launches public consultation on the mLA for cVRPs We are pleased to publish the public consultation on the Commercial Variable Recurring Payments (cVRP) Multilateral Agreement (MLA). We have published this alongside the draft documents that make up the MLA for cVRPs, and we welcome written responses from the industry. Please submit your feedback by 28 February. Read the consultation and the MLA Open banking and smart data – expert predictions 2025 After a positive year for open banking, we ask industry and OBL experts for their views on key developments for 2025 from business borrowing to consumer protection; from financial inclusion to fraud; and from the National Payments Vision to a smart data economy. Read their views JANUARY HIGHLIGHTS “Providing consumers with easier access to their data and the ability to share it with third parties can drive competition and innovation in different economic sectors.The announcement of the Data (Use and Access) Bill last year signalled clear intent from the Government about the importance of building on open banking’s data sharing principles to deliver a smart data economy that the Department for Science and Technology estimates is worth £10 billion over 10 years.”Henk Van Hulle, OBL CEO Read more OBL celebrates 7th anniversary of PSD2 and the creation of open banking OBL marks the seventh anniversary of PSD2 being implemented in the UK, which made open banking a regulatory requirement, along with the CMA Order. With 11.7m active users, we are looking forward to a productive 2025 which will see the Data Bill progressing through Parliament, paving the way for the evolution into open finance and a smart data economy. Read more OBL publishes JROC report: Financial Crime within Open Banking journeys Open Banking Limited (OBL) is pleased to publish the final report for JROC Workstream 2a, Financial Crime within Open Banking journeys, which is the result of extensive consultation with the ecosystem, regulators and relevant industry bodies. It is the first time that such a rich dataset and insights have been gathered specifically relating to fraud in open banking. Read the report Select to scroll to the previous slide Select to scroll to the next slide
Citizens Advice uses PayPoint and AperiData financial support tool to speed up debt assessments Citizens Advice helped 2.5m people with support in 2024, including advice on debt and money management. Its Stevenage team used PayPoint and AperiData’s FIS Customer Support Tool to speed up financial assessments, enabling advisers to offer advice faster, reduce the number of clients who drop out of support, and helping build financial resilience. Read the case study
OBL launches public consultation on the mLA for cVRPs We are pleased to publish the public consultation on the Commercial Variable Recurring Payments (cVRP) Multilateral Agreement (MLA). We have published this alongside the draft documents that make up the MLA for cVRPs, and we welcome written responses from the industry. Please submit your feedback by 28 February. Read the consultation and the MLA
Open banking and smart data – expert predictions 2025 After a positive year for open banking, we ask industry and OBL experts for their views on key developments for 2025 from business borrowing to consumer protection; from financial inclusion to fraud; and from the National Payments Vision to a smart data economy. Read their views
JANUARY HIGHLIGHTS “Providing consumers with easier access to their data and the ability to share it with third parties can drive competition and innovation in different economic sectors.The announcement of the Data (Use and Access) Bill last year signalled clear intent from the Government about the importance of building on open banking’s data sharing principles to deliver a smart data economy that the Department for Science and Technology estimates is worth £10 billion over 10 years.”Henk Van Hulle, OBL CEO Read more
OBL celebrates 7th anniversary of PSD2 and the creation of open banking OBL marks the seventh anniversary of PSD2 being implemented in the UK, which made open banking a regulatory requirement, along with the CMA Order. With 11.7m active users, we are looking forward to a productive 2025 which will see the Data Bill progressing through Parliament, paving the way for the evolution into open finance and a smart data economy. Read more
OBL publishes JROC report: Financial Crime within Open Banking journeys Open Banking Limited (OBL) is pleased to publish the final report for JROC Workstream 2a, Financial Crime within Open Banking journeys, which is the result of extensive consultation with the ecosystem, regulators and relevant industry bodies. It is the first time that such a rich dataset and insights have been gathered specifically relating to fraud in open banking. Read the report
ECOSYSTEMFind all the information and support your organisation needs to create personalised open banking-enabled services. Account ProvidersForge links to a thriving community of fintechs and other innovative firms – collaborating to deliver value-adds, tailored to customers’ financial needs via their bank transaction data.Find out more Fintechs (TPPs)Build your proposition with access to the expertise and tools of a world-leading open banking ecosystem – plus the Open Banking Directory of participants.Find out more Technical service providersFrom security standards to support services, open banking gives you trusted credentials.Find out more RegulatoryInformation and guides to help you navigate open banking regulation, from the CMA order to PSD2 and more.Find out more
Account ProvidersForge links to a thriving community of fintechs and other innovative firms – collaborating to deliver value-adds, tailored to customers’ financial needs via their bank transaction data.Find out more
Fintechs (TPPs)Build your proposition with access to the expertise and tools of a world-leading open banking ecosystem – plus the Open Banking Directory of participants.Find out more
Technical service providersFrom security standards to support services, open banking gives you trusted credentials.Find out more
RegulatoryInformation and guides to help you navigate open banking regulation, from the CMA order to PSD2 and more.Find out more
December API performance99.75%Average API Availability328msAverage API Response Time99.21%Successful API Calls (%)99.79%Average API availability – weighted1853.8mSuccessful API Calls Actual0.79%Failed API CallsSee all latest figures
BENEFITS Explore the many practical ways that open banking can help you take control of your finances.
Consumers Open banking is a secure way to help you understand your day-to-day finances, find cost-effective lending, and help tackle debt. Find out more
BusinessesOpen banking data and payments solutions can help businesses manage their finances, control cash flow and improve financial forecasting.Find out more
LATEST NEWS AND INSIGHTS Case studies Citizens Advice uses PayPoint and AperiData financial support tool to speed up debt assessments 19 February 2025 Read more Banking Satisfaction Survey The CMA publishes latest Banking Service Quality Indicators 17 February 2025 Read more Report OBL launches public consultation on the MLA for commercial variable recurring payments 30 January 2025 Read more Thought Leadership Open banking and smart data – expert predictions 2025 21 January 2025 Read more Press Releases OBL celebrates seventh anniversary of PSD2 and the creation of open banking 13 January 2025 Read more
Case studies Citizens Advice uses PayPoint and AperiData financial support tool to speed up debt assessments 19 February 2025 Read more
Banking Satisfaction Survey The CMA publishes latest Banking Service Quality Indicators 17 February 2025 Read more
Report OBL launches public consultation on the MLA for commercial variable recurring payments 30 January 2025 Read more
Press Releases OBL celebrates seventh anniversary of PSD2 and the creation of open banking 13 January 2025 Read more