Open Banking
Open banking uses PSD2-style APIs to move money account-to-account without cards, giving lower fees, no chargebacks and near-instant settlement in…
Open banking uses PSD2-style APIs to move money account-to-account without cards, giving lower fees, no chargebacks and near-instant settlement in markets with real-time payment rails. It also supplies verified account-holder data useful for KYC and affordability checks.
Adoption is strongest in the Nordics, UK and Netherlands, where instant bank rails are mature.
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