Open Banking

From compliance to competitive growth

Why open banking is more than just regulation

And how banks benefit from this

Open Banking marks the next major shift in financial services. Regulations such as PSD2 in Europe, the SAMA framework in Saudi Arabia, or the UAE Central Bank’s Open Finance initiatives should not be seen merely as compliance exercises. By opening up data securely through standardized APIs, banks can unlock new revenue models, innovative services, and customer experiences that drive long-term growth.

Key challenges holding banks back today:

  • High spend, low return: Significant investments often go into meeting regulatory deadlines without generating clear business value.
  • Siloed initiatives: Fragmented projects across departments prevent a unified strategy and limit scalability.
  • Lack of strategic clarity: Without a defined vision and measurable business cases, Open Banking risks becoming a cost center instead of a growth driver.

We help banks turn regulatory requirements into strategic opportunities – building API plat-forms that deliver measurable ROI, accelerate innovation, and create a sustainable competi-tive edge.

Contact us now for advice

Open banking in practice
Overview of opportunities and use cases

  • 360° Account Aggregation

    Customers today expect full financial transparency. With Open Banking, all accounts, cards, and financial products can be consolidated into a single view. This creates the foundation for new advisory and self-service offerings — from smarter budgeting tools to personalized financial recommendations and cross-selling opportunities. Contact us now for advice

  • Payment Initiation and Instant Payments

    Fast, secure, and convenient: standardized APIs enable direct payments from bank accounts — without cards or intermediaries. Whether it’s instant transfers, recurring payments, or QR-based merchant transactions, banks reduce costs, increase customer satisfaction, and unlock new digital business models in the payments space. Contact us now for advice

  • API Monetization and Ecosystem Partnerships

    Banks evolve from product providers to platform operators. By exposing APIs through developer portals, they enable FinTechs and partners to access data and services — generating new revenue streams. From pay-per-use models to embedded finance partnerships, Open Banking opens entirely new growth opportunities. Contact us now for advice

  • Alternative Credit and Risk Models

    Access to real-time account data allows banks to assess the creditworthiness of individuals and SMEs in new ways. Underserved or unbanked customer groups gain access to financing more easily. Banks expand their customer base, open new markets, and actively drive financial inclusion. Contact us now for advice

  • Request to Pay and Refunds

    With Open Banking, refunds and payment requests become seamless customer experiences. Businesses streamline their payment processes, reduce costs, and increase transparency — while end customers benefit from frictionless, trusted transactions. Contact us now for advice

Success with adesso:

Comprehensive open banking solutions from a single source

adesso enables financial institutions to unlock the full potential of Open Banking with an end-to-end approach — from strategy and architecture to implementation and scaling:

The advantages at a glance

adesso is your expert partner for open banking

  • End-to-End Approach
    From strategic roadmaps and architecture design to implementation and long-term operation — adesso delivers Open Banking enablement from a single source.
  • Combining deep domain and technology expertise
    A unique combination of banking know-how, regulatory expertise, and cutting-edge IT architecture.
  • Global Experience
    Successful Open Banking programs across Europe, the United Kingdom, and Turkey — all delivering measurable business impact.
  • Local Presence and Market Proximity
    With more than 65 offices worldwide — including Europe, MENA, India, and Turkey — adesso brings global best practices directly into regional markets.
  • Regulatory Competence
    Proven expertise in international and regional frameworks such as PSD2, GDPR, SAMA, CBUAE and CBB — combining global standards with local requirements.

Do you have any questions?

There is no website or brochure which can replace a personal meeting to talk about your goals and topics. We are looking forward to an appointment on site.

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