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What is open banking?
In recent years, finances have "digitized. The development of online banking, financial technology and other services has led to unprecedented opportunities of convenience and accessibility for customers. The events of 2020 have significantly accelerated the processes of digitalization. The pandemic is forcing more and more people to use digital channels.
Open Banking technology functions by using a microservice architecture built on open APIs (Application Programming Interfaces). In other words, banks and other market players provide access to their infrastructure through APIs to third parties (FinTech companies, marketplaces, e-commerce, IT companies, information platforms, other banks) so that they can embed banking products, data or specific processes into their interfaces and develop new services based on them.
You can read more about open banking providers in the UK here.
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