Open Banking

It’s a revolution. Tech + regulations are unlocking the banking value chain. How a bank acts now will shape its future to lose or win.

Get savvy

Open Banking—driven by regulatory, technology and competitive dynamics—calls for banks to use APIs to make certain customer data available to non-bank third parties. The innovation is both evolving the industry toward hyper-relevant, platform-based distribution and giving banks a rich opportunity to expand their ecosystems and extend their reach.

Traditional, vertically integrated banks will need to become what they’ve never been before: savvy bilateral traders. Those that treat Open Banking as a strategic growth priority will position themselves to deliver the seamless and engaging digital experiences customers want—and potentially boost revenues by upwards of 10 percent.

Our collection of experience-driven insights can help banks navigate their way to a thriving, open, digital future.

Turn Open Banking threats into opportunities


Of banks’ traditional retail products-based revenue streams are at risk.


Increase in overall organic banking growth expected by most bankers.


Boost to banking revenue expected by 2020 from new opportunities created by open API-enabled services.

Partnerships are required

Open Banking value will initiate mostly in retail channels. Strategic partnerships within larger, mutually beneficial ecosystems will position banks to be visible and present to sell their offers whenever and wherever there’s an opportunity.

Open Banking insights

Featured blogs

Our leaders share insights on how banks can maximize Open Banking opportunities.

Open Banking is here, open data is just beginning

As Open Banking lays the foundation for the new open data ecosystem, Ray Daly explores the key trends banks need to consider to succeed.

What do commercial customers want? Open Banking

Banks that deliver Open Banking to corporates, wisely, can expand their own ecosystems and reach to reap new growth. Guest blogger Conrad Sheehan explains.

Time for innovation in Open Banking business models

As Open Banking gains ground in Europe, Cécile André Leruste looks at the need for new business models that reflect the realities of data sharing.

Related podcasts

Curated selections from our Embrace Disruption SoundCloud series, which explore the many ways Open Banking is changing the industry across the globe.

Open Banking: Brace for disruption

As the world moves towards Open Banking, incumbent banks will need to remain competitive in an even more aggressive environment.

Accelerating into the future with Open Banking

The partnership between Accenture and Zafin can help banks increase innovation within their organizations and achieve Open Banking success.

Open Banking lessons and opportunities in the UK

We discuss lessons learned from UK Open Banking implementation and the huge potential that lies ahead in the platform economy.

Open Banking & the New Payments Platform

Open Banking legislation and the New Payments Platform are set to usher in an era of real-time commerce in Australia.

Thriving in payments

We look at topics like Open Banking, fintechs, customer expectations and platform agility and future innovation through a payments lens.

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