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Data, insights and news on global Lenders.
Open Banking emerged as a concept in 2010s, as regulators sought to stimulate competition and innovation in financial services. On launch in 2018, adoption was slow as fragmented technology, concerns about data sharing, and limited use cases created headwinds. Over time, the popularity of digital business models such as fintech and ecommerce grew among consumers […]
Banking as a Service (BaaS) occurs when an authorised financial institution allows a non-bank business to offer financial services on a white-label basis. This allows the non-bank to creatie new revenue streams, better customer experiences and deeper relationships. BaaS lowers the barrier to entry to financial services and is profitable at scale. However, it remains […]
Open Banking allows third-party providers (TPPs) to source account data and initiate payments from a customer’s account at another financial institution. Open Banking is used by financial and non-financial businesses to innovate new services, automate processes, and make decisions that were previously excluded, giving customers better choices and experiences. Consumers and businesses must consent to […]
Financial Services are significant in Europe, accounting for over 9% of economic output. London and Frankfurt
The EU Digital Operational Resilience Act became mandatory on 17.01.2025 and seeks to improve operational risk and business continuity in EU financial services. With 70+ pages and hundreds of requirements, DORA sets a new standard for financial services ICT
On 18.11.2025 the European Supervisory Authorities announced 19 information and communications companies as Critical Third-Party Providers (CTPPs) under DORA.
Estonia has 200-250 fintech companies. Key segments of the industry are Digital Lending, Payments, Neobanking, Crypto Assets and Regtech. Understand the environment, trends and key players.