Financial Data Access / open finance

Prepare your EU bank, fintech or insurer for controlled financial data sharing.

An operational diagnostic that turns the FIDA proposal into a backlog: customer data scope, permissions, API interfaces, third-party governance, security and open banking/open finance provider selection.

Start the diagnostic Compare providers

The workstreams that usually block delivery

Customer data catalog is incomplete or lacks accountable owners.
Permissions are split across channels, CRM and API gateway.
No governance model for data users and data sharing schemes.
PSD2 open banking is live, but non-account open finance scope is not ready.

Self-assessment

FIDA readiness score in 3 minutes

This diagnostic is not legal advice. It gives a product, data and security priority order for an open finance program.

What is the state of your customer data inventory beyond payments? Owned catalog with data owners and sharing grounds identified Partial inventory by business line Scattered data with limited traceability

Are your API interfaces ready for controlled external sharing? API gateway, sandbox, monitoring and documentation exist Internal or PSD2 APIs exist but need to be generalized No reusable API foundation for open finance

How do you manage third parties and sharing schemes? Qualification, contract, audit and incident model is formalized General policies exist, but no operational runbook yet No open finance-specific third-party governance

Data

Actionable inventory

List the relevant customer data families: accounts, savings, credit, insurance, investments, scoring and supporting documents.

Structure the inventory

Consent

Verifiable customer control

Prepare a permission journey covering purpose, duration, withdrawal, logs, evidence and channel synchronization.

Map permissions

Architecture

APIs ready for third parties

Assess APIs, sandbox, documentation, monitoring, quotas and authentication mechanisms for supervised data users.

Test API readiness

Security checklist

Minimum controls before opening

Tick the controls already covered to see the gaps to close before a data user pilot.

Customer data classification and minimization rules by use case. Granular, revocable and logged consent with defensible evidence. Strong authentication, certificate management and API-side secret rotation. Anomaly detection on volumes, frequency, errors and third-party behavior. Third-party incident plan: suspension, notification, recovery and post-incident audit. API security tests: OWASP API Top 10, business abuse and rate limits. GDPR controls: DPIA, customer notices, access rights and erasure. Compliance dashboard for data holders, data users and business owners.

0 control covered

Market comparison

Open banking and open finance providers to evaluate

The providers below are a starting point to frame country coverage, API maturity, data enrichment, compliance and commercial model.

Provider	Coverage	Open finance fit	Link
TinkPan-European open banking	Account aggregation, payment initiation and enrichment across several European markets.	Useful baseline for comparing PSD2 coverage, data quality and the path toward broader open finance use cases.	Evaluate
YapilyAPI-first bank connectivity	Open banking connectors with developer documentation and data/payment products.	Useful for benchmarking developer experience, API reliability and per-country coverage.	Evaluate
TrueLayerPayments and open banking data	Payment and data products across several European markets.	Assess for consent journeys, conversion and customer experience quality.	Evaluate
Token.ioOpen banking infrastructure	API platform for banks, fintechs and PSPs.	Relevant for studying infrastructure, compliance and banking connectivity models.	Evaluate

Links are affiliate/lead-gen ready via PUBLIC_AFFILIATE_TAG. Check contracts, licenses, countries and pricing before any commercial recommendation.

Lead-gen

Qualify a FIDA audit without storing secrets

The form posts to PUBLIC_LEAD_ENDPOINT when Ops configures an HTTPS endpoint; otherwise it falls back to PUBLIC_CONTACT_EMAIL. No key is shipped in code.