# Ozone > The open api platform --- ## Pages - [The Open Banking Intelligence Hub](https://ozoneapi.com/the-open-banking-intelligence-hub/) - [Central Banks and Regulators](https://ozoneapi.com/central-banks-and-regulators/) - [Success stories](https://ozoneapi.com/success-stories/) - [Banks and financial institutions](https://ozoneapi.com/banks-and-financial-institutions/) - [Ozone api platform](https://ozoneapi.com/ozone-api-platform/) - [Verification Of Payee](https://ozoneapi.com/verification-of-payee/) - [FAQs](https://ozoneapi.com/faqs/) - [Glossary](https://ozoneapi.com/glossary/) - [Homepage](https://ozoneapi.com/) - [Delivery models](https://ozoneapi.com/delivery-models/): Our flexible delivery models integrate seamlessly with any bank or financial institutions tech stack for efficient Open Banking API deployment. - [Solutions](https://ozoneapi.com/software-solutions/): Discover Ozone API's software solutions for secure, compliant Open Banking APIs, supporting global standards and unlocking new commercial opportunities. - [Overview](https://ozoneapi.com/overview/): The most advanced open finance API platform in the world. Quickly deliver open APIs to meet regulatory requirements, provide a great user experience and turn open banking into a profitable commercial channel. - [Ozone Anti-Slavery Policy](https://ozoneapi.com/ozone-anti-slavery-policy/): Ozone Anti-Slavery Policy 1. Introduction Modern slavery is a crime and a violation of fundamental human rights. It takes various... - [Security](https://ozoneapi.com/security/) - [The Open Finance Tracker](https://ozoneapi.com/the-open-finance-tracker/) - [Standards Library](https://ozoneapi.com/the-open-finance-tracker-library/) - [Innovations Atlas](https://ozoneapi.com/the-open-finance-tracker/atlas/) - [Compare page](https://ozoneapi.com/the-global-open-data-tracker/library/compare/) - [Atlas list](https://ozoneapi.com/the-open-finance-tracker/atlas/list/) - [Where We Operate](https://ozoneapi.com/global-coverage/) - [Blog](https://ozoneapi.com/blog/): Welcome to the Ozone API blog; your source to the latest news, insights, resources and more. - [Cookie Policy](https://ozoneapi.com/cookie-policy/): Cookie Policy Ozone Financial Technology Limited Cookies Policy We are Ozone Financial Technology Limited (referred to as “we” or “us”or... - [Terms](https://ozoneapi.com/terms/): Terms Introduction These terms and conditions apply between you, the User of this Website (including any sub-domains, unless expressly excluded... - [Partners](https://ozoneapi.com/partners/) - [Contact Us](https://ozoneapi.com/contact/) - [Our Team](https://ozoneapi.com/team/) - [About us](https://ozoneapi.com/about/) - [Our Services](https://ozoneapi.com/services/): Unlock expert support with Ozone API's services, designed to enhance your Open Banking API implementation, compliance, and ongoing innovation. - [Privacy Policy](https://ozoneapi.com/privacy/): Privacy Policy Version 1. 0 This privacy policy applies between you, the User of this Website and Ozone Financial Technology... --- ## Posts - ["We Were Thrilled About It": Virgin Money’s Former CEO on Open Banking's Early Days](https://ozoneapi.com/blog/we-were-thrilled-about-it-virgin-moneys-former-ceo-on-open-bankings-early-days/): During our podcast episode Off the Record: Huw Davies and Jayne-Anne Gadhia on Global Open Finance, Dame Jayne-Anne shares her... - [The Great Inversion: Why Your Customer is Now the CEO of Their Own Financial Ecosystem](https://ozoneapi.com/the-great-inversion-why-your-customer-is-now-the-ceo-of-their-own-financial-ecosystem/): The traditional banking model is dead. Today's customers are CEOs of their own financial lives, assembling best-of-breed services through open... - [Understanding ASPSPs and TPPs in the UK and Europe: The Two Sides of Open Banking](https://ozoneapi.com/understanding-aspsps-and-tpps-in-the-uk-and-europe-the-two-sides-of-open-banking/): Lost in open banking acronyms? This guide explains who holds customer data (ASPSPs) and who uses it (TPPs) in the... - [10 Middle East & Africa Fintech Events You Should Know About in 2026](https://ozoneapi.com/blog/middle-east-africa-fintech-events-2026/): Discover the 10 must-attend open banking and fintech events across the Middle East and Africa in 2026. From Dubai Fintech... - [GFT and Ozone API Partner to Guide Canadian Institutions Through Open Banking Transition](https://ozoneapi.com/blog/gft-and-ozone-api-partner-to-guide-canadian-institutions-through-open-banking-transition/): GFT and Ozone API are partnering to launch North American financial institutions into the open banking arena as Canada's Consumer... - [The Anatomy of a Thriving Open Banking Ecosystem](https://ozoneapi.com/blog/the-anatomy-of-a-thriving-open-banking-ecosystem/): If you've ever tried to explain how open banking works in Brazil to a regulator in Saudi Arabia, or map... - [3 Open Banking Predictions for 2026](https://ozoneapi.com/3-open-banking-predictions-for-2026/): Huw Davies, CEO and Co-Founder of Ozone API shares three predictions for what's coming in open banking and open finance... - [Show Me the Money: Open Banking API Monetisation Models for Banks](https://ozoneapi.com/blog/show-me-the-money-open-banking-api-monetisation-models-for-banks/): How can banks monetise open banking APIs? Ozone API CEO & Co-Founder explores 3 commercial models to turn APIs into... - [La Historia De Las Finanzas Abiertas En Brasil](https://ozoneapi.com/la-historia-de-las-finanzas-abiertas-en-brasil/): Cómo Brasil construyó un ecosistema financiero abierto integral en 5 años con más de 700 participantes y más de 60... - [The Verification Of Payee Rulebook Simplified](https://ozoneapi.com/the-verification-of-payee-rulebook-simplified/): To help you navigate VOP, we’ve taken the complex EPC Rulebook and simplified it into an easy and accessible summary,... - [Canada Accelerates Open Banking: Key Updates from the New Budget](https://ozoneapi.com/canada-accelerates-open-banking-key-updates-from-the-new-budget/): Consumer-Driven Banking in Canada received a significant push in the new federal budget released on November 4th 2025. Find out... - [The History of Open Finance in Brazil](https://ozoneapi.com/blog/the-history-of-open-finance-in-brazil/): How Brazil built a comprehensive open finance ecosystem in 5 years with 700+ participants and 60M+ users—leapfrogging from follower to... - [The Current Status of Section 1033 in the United States: A Year on the Regulatory Rollercoaster](https://ozoneapi.com/the-current-status-of-section-1033-in-the-united-states-a-year-on-the-regulatory-rollercoaster/): Section 1033 US open banking regulation faces uncertainty as JP Morgan Chase introduces fees, CFPB changes stance, and industry awaits... - [Open Banking in New Zealand: Why It Isn’t Just for the Big Banks](https://ozoneapi.com/blog/open-banking-in-new-zealand-why-it-isnt-just-for-the-big-banks/): New Zealand's open banking mandates major banks to implement CDR APIs by Dec 2025. Discover why smaller banks should act... - [Ozone API and Plumery Partner to Deliver Next-Generation Digital Banking Experience with Integrated Open Banking Capabilities](https://ozoneapi.com/blog/ozone-api-and-plumery-partner-to-deliver-next-generation-digital-banking-experience-with-integrated-open-banking-capabilities/): Market-leading open banking technology combines with cutting-edge digital banking platform to create seamless, standards-compliant customer experiences. - [22 Important Verification Of Payee Facts Every Payment Service Provider Must Know](https://ozoneapi.com/22-important-vop-facts-every-psp-must-know/): 22 essential Verification Of Payee facts every PSP must know for VOP compliance. Technical requirements, liability shifts & October 2025 deadline explained. - [The Ozone Layer: August 2025](https://ozoneapi.com/the-ozone-layer-august-2025/): Get the latest open banking and open finance insights from Ozone API's monthly newsletter. Covering LATAM opportunities, EU VOP compliance, early adoption strategies and Africa's fintech revolution. - [The Status of Open Finance in Latin America in 2025](https://ozoneapi.com/the-status-of-open-finance-in-latin-america-in-2025/): Open finance in Latin America 2025: Brazil leads with mature ecosystem, while Colombia, Chile & Mexico advance regulations. Get regional insights & trends. - [Championing Inclusivity: Ozone API Supports UK Charity National Star](https://ozoneapi.com/blog/championing-inclusivity-ozone-api-supports-uk-charity-national-star/): At Ozone API, we joined National Star’s “Makaton in May” challenge, learning essential communication skills to support people with disabilities, raise awareness, and champion inclusion. Discover how authentic ESG initiatives drive real community impact. - [The 3 Hidden Challenges of Early Adoption in Open Finance — and Why the Leap’s Still Worth It](https://ozoneapi.com/blog/the-3-hidden-challenges-of-early-adoption-in-open-finance-and-why-the-leaps-still-worth-it/): Early adoption of open finance offers major advantages — but it’s not without challenges. Explore the main risks, from high initial costs to evolving standards. - [Ozone API Joins Forces with Plaid to Accelerate Open Banking Across North America](https://ozoneapi.com/blog/ozone-api-partners-with-plaid-to-deliver-seamless-fdx-compliant-open-banking-integration/): Ozone API, a global leader in open banking technology, is proud to announce a new partnership with Plaid, a leading... - [New Smart Data Group Aims to Supercharge UK Economic Growth](https://ozoneapi.com/blog/new-smart-data-group-aims-to-supercharge-uk-economic-growth/): June 19 2025 marked a significant leap forward for the UK’s digital future, as policymakers, regulators, and industry leaders came... - [5 Key Benefits of Early Adoption in Open Finance: How to Lead, Innovate, and Monetise](https://ozoneapi.com/blog/5-key-benefits-of-early-adoption-in-open-finance-how-to-lead-innovate-and-monetise/): Discover the top 5 benefits of early adoption in Open Finance — from gaining first-mover advantage to unlocking new revenue streams. Learn how your institution can lead, innovate, and shape the future of financial services. - [The Business Case for Early Adoption in Open Finance](https://ozoneapi.com/blog/the-business-case-for-early-adoption-in-open-finance/): Discover the strategic benefits of early adoption of open finance — from market leadership and data insights to ecosystem influence and new revenue opportunities. - [Your Guide to Mastering an Open Finance Strategy](https://ozoneapi.com/blog/your-guide-to-mastering-an-open-finance-strategy/): Discover how to build a successful open finance strategy with this actionable guide. Learn to engage your board, define your roadmap, and design an API-led operating model. Download the full paper now. - [8 Countries Embracing Open Finance](https://ozoneapi.com/blog/8-countries-embracing-open-finance/): Discover how eight countries are progressing beyond open banking into open finance. From Brazil to the UK, explore global adoption... - [ClearBank Partners with Ozone API to Accelerate Open Banking Worldwide](https://ozoneapi.com/blog/clearbank-partners-with-ozone-api-to-accelerate-open-banking-worldwide/): Ozone API and ClearBank announce a strategic multinational partnership to deliver open banking APIs that meet the highest global standards. This collaboration supports ClearBank’s European expansion and empowers clients with scalable, future-proof open finance solutions. - [Ozone API and Vault 22 Partner to Accelerate Open Banking Across Africa](https://ozoneapi.com/blog/ozone-api-and-vault-22-partner-to-accelerate-open-banking-across-africa/): Ozone API, the global leader in open banking technology, has announced a strategic partnership with Vault 22, a fast-growing fintech innovator in South Africa. - [Your Verification Of Payee Questions Answered: Compliance Timeline, Challenges & Expert Insights](https://ozoneapi.com/blog/your-verification-of-payee-questions-answered-compliance-timeline-challenges-expert-insights/): Got questions about Verification Of Payee (VOP) compliance? Get expert answers on the timeline, implementation challenges, and how VOP can help prevent APP fraud. Insights from our live webinar inside! - [How Open Finance Can Empower Filipinos to Thrive](https://ozoneapi.com/blog/how-open-finance-can-empower-filipinos-to-thrive/): Discover how open finance in the Philippines can help Filipinos escape the pay-check to pay-check cycle. Learn how data-driven tools can support financial empowerment, access to credit, and long-term stability for families. - [Open Finance: Una oportunidad determinante para Colombia](https://ozoneapi.com/blog/es-open-finance-una-oportunidad-determinante-para-colombia/): Colombia se enfrenta a una transformación financiera clave con la transición a open finance. Explora cómo esta evolución impulsará la innovación, la inclusión financiera y el crecimiento económico, ofreciendo nuevas oportunidades para consumidores y empresas, mientras fortalece el ecosistema bancario del país. - [The FCA's 5-Year Strategy: What It Means for Open Banking in the UK](https://ozoneapi.com/blog/the-fcas-5-year-strategy-what-it-means-for-open-banking-in-the-uk/): Discover how the FCA's new 5-year strategy is shaping the future of open banking and open finance in the UK. Explore their roadmap, priorities, and what it means for consumers, fintechs, and the wider financial ecosystem. - [Financial Inclusion in Africa: Is Open Banking the Answer?](https://ozoneapi.com/blog/financial-inclusion-in-africa-is-open-banking-the-answer/): Discover how open banking could help transform financial inclusion in Africa. Explore key developments, challenges, and opportunities driving innovation and economic empowerment. - [Mastering Verification of Payee with Senior Product Manager Ryan Waters](https://ozoneapi.com/blog/mastering-verification-of-payee-with-senior-product-manager-ryan-waters/): VOP is a new EPC initiative to enhance payment security in the SEPA zone. With the October 2025 deadline approaching, Ryan Waters of Ozone API explains how VOP works and how businesses can stay compliant. - [The Open Finance Opportunity for LATAM Banks: Is Your API Gateway Ready for the Shift?](https://ozoneapi.com/blog/the-open-finance-opportunity-for-latam-banks-is-your-api-gateway-ready-for-the-shift/): Latin America's banking sector is embracing open finance, but a standard API gateway isn't enough. This article explores the key upgrades banks need for compliance, security, and interoperability. - [Verification Of Payee: A Global Overview](https://ozoneapi.com/blog/verification-of-payee-a-global-overview/): The EU’s new VOP mandate proves that Verification of Payee is gaining traction as regulators push for stronger payment security. We do a global overview of Verification Of Payee to see how different countries are implementing this fraud-prevention tool. - [Verification Of Payee in the EU: A Guide for Banks & PSPs](https://ozoneapi.com/blog/verification-of-payee-in-the-eu-a-guide-for-banks-psps/): Discover how Verification Of Payee (VOP) is transforming EU payments by reducing fraud and misdirected transactions. With the first VOP rulebook in place and an October 2025 compliance deadline, banks and PSPs must act now. Learn how VOP works, why it matters, and how Ozone API can support seamless implementation. Read our guide to stay ahead of regulatory requirements and enhance payment security. - [Major Milestone for Open Banking in the United States](https://ozoneapi.com/blog/major-milestone-for-open-banking-in-the-united-states/): The Consumer Financial Protection Bureau (CFPB) has officially designated Financial Data Exchange (FDX) as a Standards Setting Body as of January 8, 2025. This landmark decision, following the release of Section 1033 last year, sets the stage for a regulated open banking framework in the United States. - [Technical Guide to CFPB Section 1033](https://ozoneapi.com/blog/technical-guide-to-cfpb-section-1033/): This guide provides insight and direction to technology teams at banks, financial institutions and other financial data-holders in the US ecosystem who are preparing to comply with Section 1033. - [Selecting an Open Banking Platform: A Guide for Banks and Financial Institutions](https://ozoneapi.com/blog/selecting-an-open-banking-platform-a-guide-for-banks-and-financial-institutions/): Are you a bank or financial institution looking to select an open banking platform for compliance and commercial purposes? Here are a few considerations to guide you through the process. - [The Open Banking Vision: Unlocking Opportunities for 2025 and Beyond](https://ozoneapi.com/blog/the-open-banking-vision-unlocking-opportunities-for-2025-and-beyond/): Open banking is revolutionising finance worldwide, unlocking opportunities for innovation, collaboration, and better consumer experiences. As we approach the end of 2024, we share what our vision is for open banking in 2025 and beyond. - [Local Communities and Financial Inclusion at the Heart of Ozone API’s ESG Commitment](https://ozoneapi.com/blog/local-communities-and-financial-inclusion-at-the-heart-of-ozone-apis-esg-commitment/): At Ozone API, 2024 was a year of impactful initiatives, where we raised funds and supported communities close to our hearts. Join us as we reflect on the highlights and celebrate the moments that truly mattered. - [Unlocking Open Banking in the United States: Ozone API’s Support and Recommendations for the CFPB on the Personal Financial Data Rights Rule](https://ozoneapi.com/blog/unlocking-open-banking-in-the-united-states-ozone-apis-support-and-recommendations-for-the-cfpb-on-the-personal-financial-data-rights-rule/): The CFPB’s new Personal Financial Data Rights rule marks a historic step for U.S. open banking, empowering consumers with control over their data and enabling secure third-party access. At Ozone API, we fully support this direction and have shared our insights with the CFPB, recommending a standardized security framework, certification processes, and service initiation to strengthen the open finance ecosystem. - [Bringing Open Finance to Life: The Philippines Open Finance Hackathon](https://ozoneapi.com/blog/bringing-open-finance-to-life-the-philippines-open-finance-hackathon/): The 'Race to the Future: Open Finance PH Hackathon,' event united innovators to drive financial inclusion in the Philippines. From retirement tools to financial health apps, this event highlighted open finance’s potential to reshape financial services for a more inclusive future. - [Employee Spotlight: Charlotte Livingston](https://ozoneapi.com/blog/employee-spotlight-charlotte-livingston/): Our Global Head of People, Charlotte Livingston, shares her experience and advice on embracing global diversity, how companies can thrive even when teams are spread across time zones, and how to retain top talent, plus lots more. - [Global Interoperability](https://ozoneapi.com/blog/global-interoperability/): Explore why global interoperability is essential for Open Finance, addressing the need for standardised regulations, security standards, and infrastructure to overcome regional fragmentation and fully realise its benefits. - [Employee Spotlight: Simon Blundell](https://ozoneapi.com/blog/employee-spotlight-simon-blundell/): Simon Blundell transitioned from journalism to bid management, where he now leads bid services at Ozone API. He chats to us about collaboration, research, and how he sees AI as a future aid in simplifying the process. - [Embedded Finance: A Conversation with Simon Torrance](https://ozoneapi.com/blog/embedded-finance-a-conversation-with-simon-torrance/): Eyal Sivan speaks to Simon Torrance, CEO and Founder of Embedded Finance & Insurance Strategies, to discuss how open banking, real-time payments, and agentic A.I. will help fill the gap between financial needs and financial services. - [Employee Spotlight: Carol Heath](https://ozoneapi.com/blog/employee-spotlight-carol-heath/): We speak to our Partnership Success Manager, Carol Heath, about her role, exciting trends in open banking, the challenges partners... - [How Open Banking and Financial Awareness Are Connected: A Strategic Advantage for Banks](https://ozoneapi.com/blog/how-open-banking-and-financial-awareness-are-connected-a-strategic-advantage-for-banks/): We look at how open banking and financial awareness are interconnected, and how by leveraging these concepts, banks can build trust, drive financial inclusion, and secure a competitive advantage in the evolving financial landscape. - [Turning Vision into Reality: Celebrating Ozone API's India Office Milestone!](https://ozoneapi.com/blog/turning-vision-into-reality-celebrating-ozone-apis-india-office-milestone/): On July 25th 2024, we marked the opening of our new India office with a heartfelt inauguration, showcasing our hard work, creativity, and determination. - [The Essential Guide to CFPB Section 1033](https://ozoneapi.com/blog/the-essential-guide-to-cfpb-section-1033/): In 2023, the CFPB proposed rules to implement Section 1033 of the Dodd-Frank Act. This article explores the new measures, security requirements and their implications for consumers, fintechs, and financial institutions. - [The History of Open Banking: Industry, APIs and Payments](https://ozoneapi.com/blog/the-history-of-open-banking-industry-apis-and-payments/): Explore the history of open banking, from its origins to its global impact. Learn how regulatory changes and technology have shaped financial services. - [How Open Finance is Revolutionising Financial Management for Young Adults](https://ozoneapi.com/blog/how-open-finance-is-revolutionising-financial-management-for-young-adults/): We explore how open finance is simplifying financial management for young adults and helping them achieve their financial goals. - [Exploring Consumer Data Right in Australia: A Conversation with Mr Open Banking and Jamie Leach](https://ozoneapi.com/blog/exploring-consumer-data-right-in-australia-a-conversation-with-mr-open-banking-and-jamie-leach/): Eyal Sivan, aka Mr Open Banking, and Jamie K Leach, Data Strategist at Raidiam, speak about the origins of Australia’s Consumer Data Right regulation and its significance for the future of open data. - [The Essential Guide to OBL Version 4.0](https://ozoneapi.com/blog/the-essential-guide-to-obl-version-4-0/): Version 4.0 of the UK open banking standard has been released. Here's your guide to what the changes include, deadlines, impacts and support. - [A recap on Open Banking Expo Canada 2024 with Eyal Sivan](https://ozoneapi.com/blog/a-recap-on-open-banking-expo-canada-2024-with-eyal-sivan/): Get the insiders scoop on what the hot topics were at Open Banking Expo Canada this year with Eyal Sivan. - [Employee Spotlight: Chris Wood](https://ozoneapi.com/blog/employee-spotlight-chris-wood/): We speak to Chris Wood, Ozone API's Principal Architect, about his role, his hobbies and the ways in which open finance needs to development in the coming years. - [Regulation in America: Checks and Balances](https://ozoneapi.com/blog/regulation-in-america-checks-and-balances/): John Pitts talks about a new era of open banking, taking open banking to the next level in the United States, and what’s in the open banking pipeline for the U.S. - [Employee Spotlight: Alfiya Khan](https://ozoneapi.com/blog/employee-spotlight-alfiya-khan/): We speak to Ozone APIs Software Engineer Alfiya Khan about her goals, hobbies and how her career has evolved. - [Who Are in the CMA9 and Why They Matter](https://ozoneapi.com/blog/who-are-in-the-cma9-and-why-they-matter/): The CMA9 are the UK's largest 9 banks. They’re vital in influencing UK banking and Open Banking. - [Employee Spotlight: Jessica Kulkarni ](https://ozoneapi.com/blog/employee-spotlight-jessica-kulkarni/): This series showcases the diverse talents driving our company. This edition features Jessica Kulkarni, Ozone API's Office Administrator. - [Open Banking in Africa: Perspectives from Nigeria, Ghana, Egypt and South Africa](https://ozoneapi.com/open-banking-in-africa-perspectives-from-nigeria-ghana-egypt-and-south-africa/): We identify and evaluate exciting open banking movements in different African markets, and look at what experts in that regions have to say. - [Engine by Starling integrates Ozone API into SaaS solution](https://ozoneapi.com/blog/engine-by-starling-integrates-ozone-api-into-saas-solution/): Explore how Starling's SaaS solution integrates Ozone API, enhancing open banking functionalities and supporting seamless financial operations. - [Team Ozone API travel 2,918km to fundraise for financial education](https://ozoneapi.com/blog/team-ozone-api-travel-2918-km-to-fundraise-for-financial-education/): Ozone API colleagues complete 2,918km during charity fundraiser for The Money Charity. - [Open Banking in Canada with Eyal Sivan](https://ozoneapi.com/blog/open-banking-in-canada-with-eyal-sivan/): We discuss the history and future of open banking in Canada, as well as how Canadian banks can benefit from embracing open banking. - [Oh Canada: A conversation with Abraham Tachjian](https://ozoneapi.com/blog/oh-canada-a-conversation-with-abraham-tachjian/): A conversation with Abraham A. Tachjian, Director of Digital Banking at PwC Canada, on the past, present and future of Open Banking in Canada. - [Ozone API and Thistle Initiatives To Help Banks Get Ahead of PSD3](https://ozoneapi.com/blog/ozone-api-and-thistle-initiatives-to-help-banks-get-ahead-of-psd3/): Ozone API teams up with Thistle Initiatives to help banks stay ahead of PSD3 compliance requirements, ensuring regulatory success. - [16 global events you should know about in 2024: Open banking edition](https://ozoneapi.com/blog/16-global-events-you-should-know-about-open-banking-edition/): When it comes to open banking there’s a huge community who are keen to share their knowledge and expertise -... - [Introduction to Open Banking: Everything you need to know](https://ozoneapi.com/blog/introduction-to-open-banking-everything-you-need-to-know/): Open banking facilitates the secure sharing of financial data. Read our comprehensive guide to learn everything Open Banking. - [Celebrating the vibrant spirit of Holi in India](https://ozoneapi.com/blog/celebrating-the-vibrant-spirit-of-holi-in-india/): At Ozone API we cherish the vibrant spirit of Holi festival, which serves as a symbol of unity and togetherness, transcending all boundaries. Here's a glimpse of the festive fervour as seen in Ozone API India. - [Exploring Saudi Arabia’s Open Banking Hackathon with Ozone API’s Chris Michael](https://ozoneapi.com/blog/exploring-saudi-arabias-open-banking-hackathon-with-ozone-apis-chris-michael/): Ozone API’s Co-CEO Chris Michael recaps on the Financial Academy’s recent Open Banking Hackathon. Find out why Ozone API were involved, the revolutionary fintech ideas that stood out, and why the event is such an important milestone in the Kingdom of Saudi Arabia's open banking journey. - [Ozone API employees empower children through the "Magical Gullak" initiative in India](https://ozoneapi.com/blog/ozone-api-employees-empower-children-through-the-magical-gullak-initiative-in-india/): Ozone API employees volunteer at a school in India as part of Magical Gullak innovative, offering lessons on financial literacy. - [Expanding the open finance talent pool through inclusive language](https://ozoneapi.com/blog/expanding-the-open-finance-talent-pool-through-inclusive-language/): Does Open Finance need to be more accessible, relatable and understandable in order for future talent to be attracted to the industry? - [Open Finance in Review: Looking back at 2023](https://ozoneapi.com/blog/open-finance-in-review-looking-back-at-2023/): A comprehensive review of open finance developments in 2023, examining key trends and future implications. - [Eyal Sivan aka Mr. Open Banking joins Ozone API as General Manager for North America](https://ozoneapi.com/blog/eyal-sivan-aka-mr-open-banking-joins-ozone-api-as-general-manager-for-north-america/): Ozone API, a leading technology company specialising in open banking solutions, is excited to announce the appointment of Eyal Sivan as the new General Manager for North America. - [Ozone API and CLOWD9 Announce Strategic Partnership in Open Banking](https://ozoneapi.com/blog/ozone-api-and-clowd9-announce-strategic-partnership-in-open-banking/): Ozone API and CLOWD9 have entered into a global strategic partnership, combining CLOWD9’s industry leading payments processing platform with Ozone API’s world class open banking services. - [Ozone API raises £8.5mn Series A round led by Gresham House Ventures to accelerate global expansion](https://ozoneapi.com/blog/ozone-api-raises-8-5mn-series-a-round-led-by-gresham-house-ventures-to-accelerate-global-expansion/): Ozone API, the open banking API platform founded by the team that designed open banking in the UK, today announced that it has raised a £8.5mn Series A round to fund its continued global expansion. - [2024 Open Banking Predictions: From Huw Davies](https://ozoneapi.com/blog/2024-banking-predictions/): Explore our predictions for the banking industry in 2024. Expert Huw Davies goes into detail on what the future holds for banking, open finance and compliance. - [10x Banking and Ozone API join forces to help banks harness the power of open banking faster, reducing timelines from months to weeks](https://ozoneapi.com/blog/10x-banking-and-ozone-api-join-forces-to-help-banks-harness-the-power-of-open-banking-faster-reducing-timelines-from-months-to-weeks/): 10x Banking (10x) and Ozone API have partnered to simplify the delivery of open banking APIs for banks globally. - [5 Observations from Supporting the Major Global Open Banking Standards](https://ozoneapi.com/blog/5-observations-from-supporting-the-major-global-open-banking-standards/): Read our top 5 insights from supporting global Open Banking standards. Find out how Ozone API helps drive compliance and innovation in the financial sector. - [What it's really like to work remotely in a global business](https://ozoneapi.com/blog/what-its-really-like-to-work-remotely-in-a-global-business/): At Ozone API, we adopted remote working from the outset and our colleagues are scattered across the globe, with some working in parts of the world where no other colleagues are based. Company culture is a big priority for us and so It got us wondering, what is it really like working like this? - [Why shaping Ozone API’s company culture is so central to who we are and what we're learning along the way](https://ozoneapi.com/blog/why-shaping-ozone-apis-company-culture-is-so-central-to-who-we-are-and-what-were-learning-along-the-way/): Learn how Ozone API shapes its company culture, focusing on innovation, collaboration, and continuous learning. - [4 Compelling Reasons to Choose Ozone API for Your Open Insurance Needs in Brazil](https://ozoneapi.com/blog/4-compelling-reasons-to-choose-ozone-api-for-your-open-insurance-needs-in-brazil/): Brazils Open Insurance initiative is bringing transparency and control to consumers. Discover why Ozone API is the perfect Open Insurance partner. - [Ozone API now supports the latest version of the UK open banking standards](https://ozoneapi.com/blog/ozone-api-sandbox-updated/): In the world of open banking, change is definitely a constant! What started 6 years ago with the creation of the UK open banking standard continues to evolve, with new releases adding ever richer functionality to unlock more capabilities for banks and third parties. - [Open Insurance: An Era of Transparency and Customer-Centricity](https://ozoneapi.com/blog/open-insurance-an-era-of-transparency-and-customer-centricity/): Enter the era of open insurance with Ozone API, focusing on transparency and customer-centric solutions in financial services. - [How open finance is laying the foundations to tackle financial inclusion](https://ozoneapi.com/blog/how-open-finance-is-laying-the-foundations-to-tackle-financial-inclusion/): Understand how Open Finance is building a foundation for financial inclusion, offering more opportunities for underserved communities. - [Will PSD3 finally unlock the potential of open banking?](https://ozoneapi.com/blog/will-psd3-finally-unlock-the-potential-of-open-banking/): Investigate how PSD3 could unlock the full potential of open banking, driving innovation, regulatory alignment, and enhanced financial services. - [James Bushby Joins Ozone API as General Manager for UK, Europe, and North America](https://ozoneapi.com/blog/james-bushby-joins-ozone-api-as-general-manager-for-uk-europe-and-north-america/): James Bushby joins Ozone API as General Manager, leading growth in the UK, Europe, and North America markets. - [The Battle of the Standards - Who Is ‘Winning’ in the Ever More Complex Open Finance Landscape?](https://ozoneapi.com/blog/the-battle-of-the-standards-who-is-winning-in-the-ever-more-complex-open-finance-landscape/): Who is winning in the complex landscape of open finance standards? Ozone API explores the ongoing battle for dominance. - [Standards by Design: Mapping the global financial landscape in Open Banking](https://ozoneapi.com/blog/standards-by-design/): Delve into the importance of designing standards that drive open banking success, with insights from Ozone API’s industry expertise. - [The JROC Report on the future of Open Banking has one glaring omission](https://ozoneapi.com/blog/the-jroc-report-on-the-future-of-open-banking-has-one-glaring-omission/): The Joint Regulatory Oversight Committee (JROC) report is a milestone in the story of Open Banking in the UK. Ozone API CEO, Chris Michael, shares his thoughts. - [Top 10 Tips for Banks and FIs to consider when implementing Open Banking](https://ozoneapi.com/blog/top-8-tips-for-banks-and-fis-to-consider-when-implementing-open-banking/): Explore essential tips for banks and financial institutions implementing open banking, ensuring smooth integration and enhanced customer experiences. - [Open Banking Pioneer Ozone API Now Available on Temenos Exchange](https://ozoneapi.com/blog/open-banking-pioneer-ozone-api-now-available-on-temenos-exchange/): Ozone API's open banking solutions are now available on the Temenos Exchange, empowering financial institutions globally. - [Q1 reflections on the 2023 predictions](https://ozoneapi.com/blog/q1-reflections-on-the-2023-predictions/): We have officially reached Q2 of the year and as we move away from what has been a particularly bleak winter in Fintech, Ozone API's co-founder & Chief Commercial Officer Huw Davies reflects on the 2023 predictions he made at the start of the year. - [How to build a winning team and nurture an inclusive company culture](https://ozoneapi.com/blog/how-to-build-a-winning-team-and-nurture-an-inclusive-company-culture/): Learn effective strategies for building a successful team and fostering an inclusive company culture in your organisation. - [The Status of Open Finance in Latin America](https://ozoneapi.com/blog/the-status-of-open-finance-in-latin-america/): Assess the current status of open finance in Latin America, highlighting regulatory developments, market readiness, and future opportunities. - [Strong bases set out a clear path for Brazil to take the lead in Open Finance globally](https://ozoneapi.com/blog/strong-bases-set-out-a-clear-path-for-brazil-to-take-the-lead-in-open-finance-globally/): Learn how Brazil is poised to lead the global open finance movement with strong foundational policies and innovative financial solutions. - [Ozone API announces key senior hires to lead MENA growth and enhance infrastructure security](https://ozoneapi.com/blog/new-senior-hires-to-lead-growth/): Nihal Abughattas joins as General Manager for MENA and Chris Austin joins as Chief Information Security Officer (CISO) - [Lessons from building the world’s first Open Banking Standard](https://ozoneapi.com/blog/lessons-from-building-the-worlds-first-open-banking-standard/): Gain insights from the experience of creating the world’s first Open Banking Standard, shaping the future of financial services. - [Enabling Open Finance with TecBan in Brazil ](https://ozoneapi.com/blog/enabling-open-finance-with-tecban-in-brazil/): Discover how Ozone API is enabling Open Finance with TecBan in Brazil. The TecBan Open Finance Platform, powered by Ozone API is fully compliant! --- ## Awards - [MENA Fintech Awards](https://ozoneapi.com/awards/mena-fintech-awards/) - [Ozone API won Best Regulatory Open Banking Initiative at Open Banking Expo 2025](https://ozoneapi.com/awards/ozone-api-won-best-regulatory-open-banking-initiative-at-open-banking-expo-2025/) - [Global Fintech Marketing Awards](https://ozoneapi.com/awards/global-fintech-marketing-awards/) - [The Top 1% Workplace Awards](https://ozoneapi.com/awards/the-top-1-workplace-awards/) - [Fintech Awards London](https://ozoneapi.com/awards/fintech-awards-london-2/) - [Made in the UK, Sold to the World](https://ozoneapi.com/awards/made-in-the-uk-sold-to-the-world-2/) - [Breakthrough Culture](https://ozoneapi.com/awards/breakthrough-culture-2/) - [India Fintech Awards](https://ozoneapi.com/awards/india-fintech-awards/) - [Previous achievements](https://ozoneapi.com/awards/previous-achievements/) --- ## Podcasts - [How to monetise Open Banking and Open Finance](https://ozoneapi.com/podcast/how-to-monetise-open-banking-and-open-finance/): Huw joined Ellie Duncan on Open Banking Expo Unplugged to discuss the ongoing industry conversation around open banking and open... - [The Great API Debate: Should Banks Charge for Access? ](https://ozoneapi.com/podcast/the-great-api-debate-should-banks-charge-for-access/): Mary talks with Huw Davies, co-founder and chief executive at open finance company Ozone API, about what this shift could... - [Building the Blueprint for Global Open Banking w/ Chris Michael, Co-CEO of Ozone API](https://ozoneapi.com/podcast/building-the-blueprint-for-global-open-banking-w-chris-michael-co-ceo-of-ozone-api/): In this episode, Chris shares the journey from engineering and digital marketing to shaping global financial standards, how Ozone grew... - [Why Workplace Policies Need a Rethink](https://ozoneapi.com/podcast/why-workplace-policies-need-a-rethink/): Katie Hayes, Head of Marketing at Ozone API, shares a deeply insightful and personal perspective on everything from building a... - [Industry coalition pushes digital IDs, Phase 2 of Saudi open banking, new Singapore anti-fraud powers](https://ozoneapi.com/podcast/industry-coalition-pushes-digital-ids-phase-2-of-saudi-open-banking-new-singapore-anti-fraud-powers/): Join hosts Kate Moody and Dave Morris, along with guests Ezechi Britton (CEO of the Centre for Finance, Innovation and Technology), Becky O’Connor (Director of Public Affairs at PensionBee) and Chris Michael (Co-founder and CEO at Ozone API) discuss the biggest fintech and financial services news of the week. - [EMPOWERING FINTECH INCLUSION: CLAIRE SEYDOUX ON CAREERS AND DIVERSITY](https://ozoneapi.com/podcast/empowering-fintech-inclusion-claire-seydoux-on-careers-and-diversity/): Claire Seydoux, Client Success Lead at Ozone API, shares her extensive career journey, her transition from a large corporation to a smaller fintech company, and her passionate advocacy for inclusion in the workplace. - [Mr. Open Banking](https://ozoneapi.com/podcast/mr-open-banking/): The Mr. Open Banking podcast, hosted by Eyal Sivan Ozone API's GM for North America, aims to chart the course of the open banking movement. - [Ozone API, 3 Years On: Growth, Expansion and an £8.5M Investment | FFTV with Huw Davies, Ozone API](https://ozoneapi.com/podcast/ozone-api-3-years-on-growth-expansion-and-an-8-5m-investment-fftv-with-huw-davies-ozone-api/): Toby Babb recently welcomed our CEO, Huw Davies, onto an episode of Harrington Starr's FinTech Focus to discuss expansion, transformation and company culture. - [News: Starling banks on Engine for growth](https://ozoneapi.com/podcast/news-starling-banks-on-engine-for-growth/): Ozone CEO, Chris Michael, joins 11:FS hosts Benjamin Ensor, Kate Moody, and other esteemed guests to discuss the latest fintech, financial services, and banking news. - [Katie Hayes - Open Banking Innovation and championing DE&I at Ozone API](https://ozoneapi.com/podcast/katie-hayes-open-banking-innovation-and-championing-dei-at-ozone-api/): Katie Hayes, Head of Marketing at Ozone API, discusses the importance of DEI in creating transformative industry cultures and shares insight into Ozone API's inclusive practices that enhance both their team environment and marketing strategies. - [The global state of Open Finance](https://ozoneapi.com/podcast/the-global-state-of-open-finance/): Ozone API’s co-chief executive officer Huw Davies and newly-appointed chair Dame Jayne-Anne Gadhia join Ellie Duncan on Open Banking Expo Unplugged to discuss the global state of the Open Banking and Open Finance movement, from Latin America, to MENA and the UK. In light of Ozone API’s recent funding round, they reveal its plans for expansion into North America, and beyond, and Dame Jayne-Anne talks about her recent appointment as chair. - [FDATA Spotlight with Eyal Sivan, Ozone API GM for North America and Mr. Open Banking host](https://ozoneapi.com/podcast/fdata-spotlight-with-eyal-sivan-ozone-api-gm-for-north-america-and-mr-open-banking-host/): FDATA put the spotlight on Ozone API, diving into the open banking movement with our very own Eyal Sivan. A must-watch for anyone interested in the evolving landscape of fintech. - [ Is Open Banking a Failure?](https://ozoneapi.com/podcast/is-open-banking-a-failure/): Chris Michael, Ozone API Co-CEO discusses the challenges, disappointments, and potential for growth in open banking. - [Open Banking Expo Unplugged](https://ozoneapi.com/podcast/open-banking-expo-unplugged/): Chris and Huw reveal how they came to create the UK’s Open Banking Standard and offer up their predictions for... - [The FML Podcast](https://ozoneapi.com/podcast/the-fml-podcast/): Revolutionising Fintech with Open Finance With Huw Davies and Chris Michael, Co Founders at Ozone API - [Purpose Driven Fintech Podcast with Monica Millares](https://ozoneapi.com/podcast/purpose-driven-fintech-podcast-with-monica-millares/): What is open banking, open finance and open data, and how it will change the world | Huw Davies, Co-founder... --- ## Press - [GFT and Ozone API Partner to Guide Canadian Institutions Through Open Banking Transition](https://ozoneapi.com/press/gft-and-ozone-api-partner-to-guide-canadian-institutions-through-open-banking-transition/) - [MENA Fintech Awards 2025 Celebrates Innovation Driving the Future of Finance](https://ozoneapi.com/press/mena-fintech-awards-2025-celebrates-innovation-driving-the-future-of-finance/) - [The Top 1% Workplace Awards 2025 | The Financial Technologist](https://ozoneapi.com/press/the-top-1-workplace-awards-2025-the-financial-technologist/) - [Next Steps for Open Banking](https://ozoneapi.com/press/next-steps-for-open-banking/) - [Ozone API & Plumery come together to deliver next-gen digital banking with open banking integration](https://ozoneapi.com/press/ozone-api-plumery-come-together-to-deliver-next-gen-digital-banking-with-open-banking-integration/) - [Open banking in the United States under threat as regulators discuss bank data fees](https://ozoneapi.com/press/open-banking-in-the-united-states-under-threat-as-regulators-discuss-bank-data-fees/) - [Ozone API Wins 'Made in the UK, Sold to the World' Award](https://ozoneapi.com/press/ozone-api-wins-made-in-the-uk-sold-to-the-world-awards/) - [Ozone API and Plaid Partnership Set to Transform Open Banking in North America](https://ozoneapi.com/press/ozone-api-and-plaid-partnership-set-to-transform-open-banking-in-north-america/) - [Who will really win the race to Open Banking? America vs Canada](https://ozoneapi.com/press/who-will-really-win-the-race-to-open-banking-america-vs-canada/) - [Verification Of Payee: Ozone API's guide for banks and PSPs](https://ozoneapi.com/press/verification-of-payee-ozone-apis-guide-for-banks-and-psps/) - [Ozone API on the sprint to commercialize A2A payments](https://ozoneapi.com/press/the-sprint-to-commercialize-a2a-payments/) - [Ozone API Launches Industry-First Tool for US Banks to Calculate the Cost of Open Banking Implementation](https://ozoneapi.com/press/ozone-api-launches-industry-first-tool-for-us-banks-to-calculate-the-cost-of-open-banking-implementation/) - [Ozone API announced as a UK most loved company to work for](https://ozoneapi.com/press/ozone-api-announced-as-a-uk-most-loved-company-to-work-for/) - [UK government scraps the Payment Systems Regulator and merges it into the Financial Conduct Authority](https://ozoneapi.com/press/uk-government-scraps-the-payment-systems-regulator-and-merges-it-into-the-financial-conduct-authority/) - [UAE ‘Financial Infrastructure Transformation Programme’ is ‘85 per cent’ complete](https://ozoneapi.com/press/uae-financial-infrastructure-transformation-programme-is-85-per-cent-complete/) - [How Engine by Starling and Ozone API are driving banking innovation in the UK and beyond](https://ozoneapi.com/press/how-engine-by-starling-and-ozone-api-are-driving-banking-innovation-in-the-uk-and-beyond/) - [The Best Open Finance Platforms in 2024](https://ozoneapi.com/press/guide-to-the-best-open-finance-platforms-in-2024/) - [Actions for the New UK Government](https://ozoneapi.com/press/actions-for-the-new-uk-government-the-open-data-economy/) - [Ozone API listed in the top 10 Fintech companies in the UAE](https://ozoneapi.com/press/ozone-api-listed-in-the-top-10-fintech-companies-in-the-uae/) - [CRIF and Ozone API join forces](https://ozoneapi.com/press/crif-and-ozone-api-join-forces/) - [ENGINE BY STARLING PARTNER WITH OZONE API](https://ozoneapi.com/press/engine-by-starling-integrates-ozone-api-into-saas-solution/) - [The Paypers Global Fintech Investments Review: Q1 2024](https://ozoneapi.com/press/the-paypers-global-fintech-investments-analysis-q1-2024/): The Paypers took a deep dive into the most relevant investments announced during Q1 2024. They reveal a surge in funding for companies operating in Europe, the UK, North America, and Latin America. - [Ozone API and Thistle Initiatives Help Banks Get Ahead of PSD3](https://ozoneapi.com/press/ozone-api-and-thistle-initiatives-to-help-banks-get-ahead-of-psd3/) - [Em Conversa: Open Banking and Finance With Huw Davies](https://ozoneapi.com/press/em-conversa-open-banking-and-finance-with-huw-davies-co-founder-and-ceo-at-ozone-api/) - [Former Virgin Money CEO Appointed Board Chair at Ozone API](https://ozoneapi.com/press/game-changer-alert-fintech-giant-taps-former-virgin-money-ceo-as-board-chair/) - [Open Banking Market Update](https://ozoneapi.com/press/open-banking-market-update/) - [Eyal Sivan Joins Ozone API to Spearhead Open Banking in North American](https://ozoneapi.com/press/eyal-sivan-joins-ozone-api-to-spearhead-north-american-push/) - [Ozone API and CLOWD9 Partner](https://ozoneapi.com/press/ozone-api-partners-with-clowd9/) - [Ozone API raises £8.5mn Series A round Funding](https://ozoneapi.com/press/ozone-api-raises-8-5mn-series-a-round-to-accelerate-global-expansion/) - [Ozone API partners with 10x Banking to boost Open Banking compliance](https://ozoneapi.com/press/ozone-api-partners-with-10x-banking-to-speed-up-banks-open-banking-compliance/) - [UK Government urged to accelerate Smart Data Reforms for economic growth and global competitiveness](https://ozoneapi.com/press/urgent-call-for-uk-government-to-accelerate-smart-data-reforms-for-economic-growth-and-global-competitiveness/) - [Saudi fintech sector gets boost following Financial Academy Forum](https://ozoneapi.com/press/saudi-fintech-sector-gets-boost-as-5-mous-inked-at-financial-academy-forum/) - [The roadmap to Open Finance](https://ozoneapi.com/press/plotting-out-the-roadmap-to-open-finance/) - [Will Smart Data reforms help UK businesses thrive?](https://ozoneapi.com/press/is-the-smart-data-reforms-what-uk-businesses-need-to-thrive/) - [Developing The World’s First Open Banking Standard](https://ozoneapi.com/press/building-the-worlds-first-open-banking-standard/) - [How Variable Recurring Payments Could Create Two-Tier Market](https://ozoneapi.com/press/cco-at-ozone-api-explains-how-variable-recurring-payments-could-create-two-tier-market/) - [Ozone API partner with Smart Data Foundry](https://ozoneapi.com/press/ozone-api-partners-with-smart-data-foundry/) - [The Future of Fintech in the UK](https://ozoneapi.com/press/the-future-of-fintech-in-the-uk-2023-a-special-edition-for-uk-fintech-week-2023-and-ifgs-2023/) - [Retail Banker International Forecasts Ozone API](https://ozoneapi.com/press/2023-rbi-forecasts-ozone-api/) - [Open banking five years on: The journey from open finance to open everything](https://ozoneapi.com/press/open-banking-year-five-the-journey-from-open-finance-to-open-everything/) --- ## Standards - [Consumer-Driven Banking (Open Banking Canada)](https://ozoneapi.com/the-open-finance-tracker/library/consumer-driven-banking-open-banking-canada/) - [FDX API (Financial Data Exchange)](https://ozoneapi.com/the-open-finance-tracker/library/fdx-api-financial-data-exchange/) - [CBUAE](https://ozoneapi.com/the-global-open-data-tracker/library/cbuae/) - [The Jordan Open Finance Standards](https://ozoneapi.com/the-global-open-data-tracker/library/the-jordan-open-finance-standards/) - [Open Banking in Nigeria](https://ozoneapi.com/the-open-finance-tracker/library/open-banking-in-nigeria/) - [Open API Framework for Hong Kong](https://ozoneapi.com/the-global-open-data-tracker/library/open-api-framework-for-hong-kong/) - [NextGenPSD2](https://ozoneapi.com/the-open-finance-tracker/library/nextgenpsd2/) - [UK Open Banking Standard](https://ozoneapi.com/the-open-finance-tracker/library/the-open-banking-standard/) - [Swiss NextGen API](https://ozoneapi.com/the-global-open-data-tracker/library/swiss-nextgen-api/) - [SNAP](https://ozoneapi.com/the-global-open-data-tracker/library/snap/) - [STET PSD2 API](https://ozoneapi.com/the-open-finance-tracker/library/stet-psd2-api/) - [KSA Open Banking Framework](https://ozoneapi.com/the-open-finance-tracker/library/ksa-open-banking-standard/): The framework that supports the implementation of Open Banking in the Kingdom of Saudi Arabia. - [Japan Open Banking Framework](https://ozoneapi.com/the-open-finance-tracker/library/japan-open-banking-framework/) - [Bahrain Open Banking Framework - Bahrain OBF](https://ozoneapi.com/the-global-open-data-tracker/library/bahrainobf/) - [India Stack](https://ozoneapi.com/the-global-open-data-tracker/library/india-stack/) - [Slovak Banking API Standard](https://ozoneapi.com/the-global-open-data-tracker/library/slovak-banking-api-standard/) - [Singapore Financial Data Exchange - SGFinDex](https://ozoneapi.com/the-global-open-data-tracker/library/singapore-financial-data-exchange-sgfindex/) - [Polish API](https://ozoneapi.com/the-open-finance-tracker/library/polish-api/) - [Czech Standard for Open Banking - COBS](https://ozoneapi.com/the-global-open-data-tracker/library/czech-standard-for-open-banking-cobs/) - [Payments NZ](https://ozoneapi.com/the-global-open-data-tracker/library/payments-nz/) - [Consumer Data Standards - CDS](https://ozoneapi.com/the-global-open-data-tracker/library/consumer-data-standards-cds/) - [Open Finance Brasil](https://ozoneapi.com/the-open-finance-tracker/library/open-finance-brasil/) - [Open Banking Platform](https://ozoneapi.com/the-open-finance-tracker/library/open-banking-platform/) - [Bank Interfaces for Standardized Payments - BISTRA](https://ozoneapi.com/the-global-open-data-tracker/library/bank-interfaces-for-standardized-payments-bistra/) --- ## Success stories - [Accelerating Open Finance in Latin America: Innovation that doesn’t have to wait for regulation](https://ozoneapi.com/success-story/accelerating-open-finance-in-latin-america-innovation-that-doesnt-have-to-wait-for-regulation/): Financial institutions in Latin America no longer have to choose between innovation and regulatory compliance. Through Ozone API and Finerio... - [Driving banking innovation in the UK and beyond with Engine by Starling](https://ozoneapi.com/success-story/driving-banking-innovation-in-the-uk-and-beyond-with-engine-by-starling/): Many traditional banks struggle to adopt Open Banking due to legacy systems that are difficult to integrate with modern APIs,... --- ## Media mentions - [Brazil-UK Fintech Forum | Panel 4: Adapting Products and Services to Local Markets](https://ozoneapi.com/media-mention/brazil-uk-fintech-forum-panel-4-adapting-products-and-services-to-local-markets/) - [UK government scraps the Payment Systems Regulator and merges it into the Financial Conduct Authority](https://ozoneapi.com/media-mention/uk-government-scraps-the-payment-systems-regulator-and-merges-it-into-the-financial-conduct-authority/) - [Chris Michael | Web Summit Qatar 2025](https://ozoneapi.com/media-mention/chris-michael-web-summit-qatar-2025/) - [How Can Fintechs Ensure Traditional Financial Service Providers Place More Emphasis on Inclusivity?](https://ozoneapi.com/media-mention/how-can-fintechs-ensure-traditional-financial-service-providers-place-more-emphasis-on-inclusivity/) - [Ozone API: Inside the US’ approach to Open Banking](https://ozoneapi.com/media-mention/ozone-api-inside-the-us-approach-to-open-banking/) - [Can the Labour government break the UK’s open banking deadlock?](https://ozoneapi.com/media-mention/can-the-labour-government-break-the-uks-open-banking-deadlock/) - [Mr. Open Banking Podcast - Season 5](https://ozoneapi.com/media-mention/mr-open-banking-podcast/) - [Who Wins and Who Loses? Unpacking the CFPB's Section 1033 Ruling](https://ozoneapi.com/media-mention/who-wins-and-who-loses-unpacking-the-cfpbs-section-1033-ruling/) - [Open Banking Forum at FinTech LIVE London 2024](https://ozoneapi.com/media-mention/open-banking-forum-at-fintech-live-london-2024/) - [News: Industry coalition pushes digital IDs, Phase 2 of Saudi open banking, new Singapore anti-fraud powers](https://ozoneapi.com/media-mention/news-industry-coalition-pushes-digital-ids-phase-2-of-saudi-open-banking-new-singapore-anti-fraud-powers/) - [Supercharging the Open Data Economy: Priorities for the New UK Government](https://ozoneapi.com/media-mention/supercharging-the-open-data-economy-priorities-for-the-new-uk-government/) - [Open Banking Expo Canada 2024: Eyal Sivan, General Manager, North America, Ozone API](https://ozoneapi.com/media-mention/open-banking-expo-canada-2024-eyal-sivan-general-manager-north-america-ozone-api/) - [Ep.04 - Katie Hayes - Open Banking Innovation and championing DE&I at Ozone API](https://ozoneapi.com/media-mention/ep-04-katie-hayes-open-banking-innovation-and-championing-dei-at-ozone-api/) - [Is Open Banking a Failure?](https://ozoneapi.com/media-mention/is-open-banking-a-failure/) - [12 Steps to Starting your ESG Strategy](https://ozoneapi.com/media-mention/12-steps-to-starting-your-esg-strategy/) --- # # Detailed Content ## Pages --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ## Posts --- The traditional banking model is dead. Today's customers are CEOs of their own financial lives, assembling best-of-breed services through open finance. Banks face a critical choice: become a compliance-only utility and lose the customer interface, or build smart API strategies that make them indispensable components in customer-managed financial stacks. --- Lost in open banking acronyms? This guide explains who holds customer data (ASPSPs) and who uses it (TPPs) in the UK and European ecosystem. Find out which side your business is on and what that means for your strategy. --- Discover the 10 must-attend open banking and fintech events across the Middle East and Africa in 2026. From Dubai Fintech Summit to Money 20/20 Middle East, find out where the region's banks, regulators, and fintech leaders are gathering to shape the future of financial services. --- GFT and Ozone API are partnering to launch North American financial institutions into the open banking arena as Canada's Consumer Driven-Banking Act accelerates adoption. The partnership eliminates implementation roadblocks, helping banks achieve compliance quickly while unlocking commercial opportunities through embedded finance. --- If you've ever tried to explain how open banking works in Brazil to a regulator in Saudi Arabia, or map UK Open Banking terminology to Australia's CDR framework, you know the problem: every market speaks a different language. So we built a solution: a visual map of the global open finance ecosystem that captures participants, roles, regulations, and standards across six continents in one accessible reference tool. --- Huw Davies, CEO and Co-Founder of Ozone API shares three predictions for what's coming in open banking and open finance over the next twelve months. Find out what's to come in 2026. --- How can banks monetise open banking APIs? Ozone API CEO & Co-Founder explores 3 commercial models to turn APIs into profit. --- Cómo Brasil construyó un ecosistema financiero abierto integral en 5 años con más de 700 participantes y más de 60 millones de usuarios, pasando de seguidor a líder mundial. --- To help you navigate VOP, we’ve taken the complex EPC Rulebook and simplified it into an easy and accessible summary, including the legal framework, technical implementation, operational requirements and governance. --- Consumer-Driven Banking in Canada received a significant push in the new federal budget released on November 4th 2025. Find out what it all means. --- How Brazil built a comprehensive open finance ecosystem in 5 years with 700+ participants and 60M+ users—leapfrogging from follower to global leader. --- Section 1033 US open banking regulation faces uncertainty as JP Morgan Chase introduces fees, CFPB changes stance, and industry awaits regulatory clarity. --- New Zealand's open banking mandates major banks to implement CDR APIs by Dec 2025. Discover why smaller banks should act now to gain competitive advantage. --- Market-leading open banking technology combines with cutting-edge digital banking platform to create seamless, standards-compliant customer experiences. --- Essential Verification Of Payee (VOP) compliance facts for Payment Service Providers. Learn the 22 critical requirements, liability shifts, and technical specifications before the October 2025 IPR deadline. --- From comprehensive VOP compliance guidance to open finance market leadership strategies and exciting developments across Africa, this month's roundup delivers essential insights for financial institutions navigating the evolving open banking landscape. Discover regulatory updates, strategic frameworks, and real-world implementation stories that are shaping the future of open finance. --- Open finance in Latin America 2025: Brazil leads with mature ecosystem, while Colombia, Chile & Mexico advance regulations. Get regional insights & trends. --- At Ozone API, our commitment to ESG means creating real impact. In May 2025, we joined National Star’s “Makaton in May” challenge, learning new communication skills to better support people with disabilities. This experience strengthened our team, raised awareness and reinforced our dedication to building a more inclusive future. --- Early adoption of open finance offers major advantages — but it’s not without challenges. Explore the main risks, from high initial costs to evolving standards. --- --- --- Discover the top 5 benefits of early adoption in Open Finance — from gaining first-mover advantage to unlocking new revenue streams. Learn how your institution can lead, innovate, and shape the future of financial services. --- --- Discover how to build a successful open finance strategy with this actionable guide. Learn to engage your board, define your roadmap, and design an API-led operating model. Download the full paper now. --- Discover how eight countries are progressing beyond open banking into open finance. From Brazil to the UK, explore global adoption trends, regulatory frameworks, and why early adoption opens new opportunities for innovation in financial services. --- Ozone API and ClearBank announce a strategic multinational partnership to deliver open banking APIs that meet the highest global standards. This collaboration supports ClearBank’s European expansion and empowers clients with scalable, future-proof open finance solutions. --- Ozone API, the global leader in open banking technology, has announced a strategic partnership with Vault 22, a fast-growing fintech innovator in South Africa. --- Got questions about Verification Of Payee (VOP) compliance? Get expert answers on the timeline, implementation challenges, and how VOP can help prevent APP fraud. Insights from our live webinar inside! --- Discover how open finance in the Philippines can help Filipinos escape the pay-check to pay-check cycle. Learn how data-driven tools can support financial empowerment, access to credit, and long-term stability for families. --- Colombia se enfrenta a una transformación financiera clave con la transición a open finance. Explora cómo esta evolución impulsará la innovación, la inclusión financiera y el crecimiento económico, ofreciendo nuevas oportunidades para consumidores y empresas, mientras fortalece el ecosistema bancario del país. --- Discover how the FCA’s new 5-year strategy is shaping the future of open banking and open finance in the UK. Explore their roadmap, priorities, and what it means for consumers, fintechs, and the wider financial ecosystem. --- Discover how open banking could help transform financial inclusion in Africa. Explore key developments, challenges, and opportunities driving innovation and economic empowerment. --- VOP is a new EPC initiative to enhance payment security in the SEPA zone. With the October 2025 deadline approaching, Ryan Waters of Ozone API explains how VOP works and how businesses can stay compliant. --- Latin America's banking sector is embracing open finance, but a standard API gateway isn't enough. This article explores the key upgrades banks need for compliance, security, and interoperability. --- The EU’s new VOP mandate proves that Verification of Payee is gaining traction as regulators push for stronger payment security. We explore how different countries are implementing this fraud-prevention tool. --- Discover how Verification Of Payee (VOP) is transforming EU payments by reducing fraud and misdirected transactions. With the first VOP rulebook in place and an October 2025 compliance deadline, banks and PSPs must act now. Learn how VOP works, why it matters, and how Ozone API can support seamless implementation. Read our guide to stay ahead of regulatory requirements and enhance payment security. --- The Consumer Financial Protection Bureau (CFPB) has officially designated Financial Data Exchange (FDX) as a Standards Setting Body as of January 8, 2025. This landmark decision, following the release of Section 1033 last year, sets the stage for a regulated open banking framework in the United States. --- This guide provides insight and direction to technology teams at banks, financial institutions and other financial data-holders in the US ecosystem who are preparing to comply with Section 1033. --- Are you a bank or financial institution looking to select an open banking platform for compliance and commercial purposes? Here are a few considerations to guide you through the process. --- Open banking is revolutionising finance worldwide, unlocking opportunities for innovation, collaboration, and better consumer experiences. As we approach the end of 2024, we share what our vision is for open banking in 2025 and beyond. --- At Ozone API, 2024 was a year of impactful initiatives, where we raised funds and supported communities close to our hearts. Join us as we reflect on the highlights and celebrate the moments that truly mattered. --- The CFPB’s new Personal Financial Data Rights rule marks a historic step for U.S. open banking, empowering consumers with control over their data and enabling secure third-party access. At Ozone API, we fully support this direction and have shared our insights with the CFPB, recommending a standardized security framework, certification processes, and service initiation to strengthen the open finance ecosystem. --- The 'Race to the Future: Open Finance PH Hackathon,' event united innovators to drive financial inclusion in the Philippines. From retirement tools to financial health apps, this event highlighted open finance’s potential to reshape financial services for a more inclusive future. --- We’re featuring Charlotte Livingston, our Global Head of People. Charlotte shares her experience and advice on embracing global diversity, how companies can thrive even when teams are spread across time zones, and how to retain top talent, plus lots more. --- Explore why global interoperability is essential for Open Finance, addressing the need for standardised regulations, security standards, and infrastructure to overcome regional fragmentation and fully realise its benefits. --- Simon Blundell transitioned from journalism to bid management, where he now leads bid services at Ozone API. He chats to us about collaboration, research, and how he sees AI as a future aid in simplifying the process. --- Eyal Sivan speaks to Simon Torrance, CEO and Founder of Embedded Finance & Insurance Strategies, to discuss how open banking, real-time payments, and agentic A.I. will help fill the gap between financial needs and financial services. --- We speak to our Partnership Success Manager, Carol Heath, about her role, exciting trends in open banking, the challenges partners face, and how Ozone API supports global growth, plus lots more. --- We look at how open banking and financial awareness are interconnected, and how by leveraging these concepts, banks can build trust, drive financial inclusion, and secure a competitive advantage in the evolving financial landscape. --- On July 25th 2024, we marked the opening of our new India office with a heartfelt inauguration, showcasing our hard work, creativity, and determination. --- In 2023, the CFPB proposed rules to implement Section 1033 of the Dodd-Frank Act. This article explores the new measures, security requirements and their implications for consumers, fintechs, and financial institutions. --- Explore the history of open banking, from its origins to its global impact. Learn how regulatory changes and technology have shaped financial services. --- We explore how open finance is simplifying financial management for young adults and helping them achieve their financial goals. --- Eyal Sivan, aka Mr Open Banking, and Jamie K Leach, Data Strategist at Raidiam, speak about the origins of Australia’s Consumer Data Right regulation and its significance for the future of open data. --- The UK open banking standard version 4.0 has been released. Here's your guide to what the changes include, deadlines, impacts and support. --- Get the insiders scoop on what the hot topics were at Open Banking Expo Canada this year with Eyal Sivan, host of Mr. Open Banking and GM for North America at Ozone API. --- We speak to Chris Wood, Ozone API's Principal Architect, about his role, his hobbies and the ways in which open finance needs to development in the coming years. --- John Pitts and Eyal Sivan discuss a new era of open banking, taking open banking to the next level in the United States, and what’s in the open banking pipeline for the U.S. --- We speak to Ozone APIs Software Engineer Alfiya Khan about her goals, hobbies and how her career has evolved. --- We do a dive into the CMA9, the UK's largest 9 banks who are vital in influencing UK banking and Open Banking. --- This edition of our Employee Spotlight series features Jessica Kulkarni, Ozone API's Office Administrator based in our Pune office. --- We identify and evaluate exciting open banking movements in different African markets, and look at what experts in that regions have to say. --- --- Ozone API colleagues complete 2,918km during charity fundraiser for The Money Charity. --- Eyal Sivan talks about the history and future of open banking in Canada, as well as how Canadian banks can benefit from embracing open banking. --- Abraham A. Tachjian and Eyal Sivan discuss the past, present and future of Open Banking in Canada. --- --- When it comes to open banking there’s a huge community who are keen to share their knowledge and expertise - here's where to find them. --- Open banking facilitates the secure sharing of financial data. Read our comprehensive guide to learn everything Open Banking. --- At Ozone API we cherish the vibrant spirit of Holi festival, which serves as a symbol of unity and togetherness, transcending all boundaries. Here's a glimpse of the festive fervour as seen in Ozone API India. --- Ozone API’s Co-CEO Chris Michael recaps on the Financial Academy’s recent Open Banking Hackathon. Find out why Ozone API were involved, the revolutionary fintech ideas that stood out, and why the event is such an important milestone in the Kingdom of Saudi Arabia's open banking journey. --- Ozone API employees volunteer at a school in India as part of Magical Gullak innovative, offering lessons on financial literacy. --- --- --- Ozone API, a leading technology company specialising in open banking solutions, is excited to announce the appointment of Eyal Sivan as the new General Manager for North America. --- Ozone API and CLOWD9 have entered into a global strategic partnership, combining CLOWD9’s industry leading payments processing platform with Ozone API’s world class open banking services. --- Ozone API, the open banking API platform founded by the team that designed open banking in the UK, today announced that it has raised a £8.5mn Series A round to fund its continued global expansion. --- --- 10x Banking (10x), the transformational cloud-native SaaS core banking platform, and Ozone API, the leading provider of compliant open banking API technology, have partnered to simplify the delivery of open banking APIs for banks globally. --- --- --- Ozone API's Head of Marketing, Katie Hayes, writes about how shaping we're shaping our company culture and what we’re learning along the way. --- As the insurance industry in Brazil embraces the advent of open insurance regulations, companies are facing the challenge of ensuring compliance with complex requirements. Developing and managing an in-house open insurance solution can be overwhelming, diverting valuable attention from core business activities. However, there exists a solution to simplify this process: Ozone API. In partnership with Tecban, Ozone API offers a transformative open insurance solution. In this article, we will present four compelling reasons why Ozone API, supported by Tecban, stands as the ideal choice to ensure seamless open insurance compliance. --- --- The insurance industry is witnessing one of its most profound shifts – the transition towards 'open insurance'. Rooted in the broader movement towards open banking and data democratisation, open insurance promotes transparency and customer-centricity, leading to better, more personalised insurance services. --- Several countries in Latin America still face challenges to offer financial services to a relevant portion of its population, who were historically unbanked or underbanked. Open Finance opens several opportunities to serve these users. --- The recently published PSD3 proposal addresses many of the issues we have seen during the implementation of open banking across Europe over the last 5+ years. However, in order to actually fix these issues banks will need to make significant changes. --- Ozone API, the leading provider of open finance software, is pleased to announce the appointment of James Bushby as General Manager for the UK, Europe, and North America. --- Is there a best in class open banking standard? Explore pockets of excellence around the globe and navigate the complex ecosystem. --- With open banking initiatives gaining momentum around the world, we are seeing a range of different standards emerge. Smart Data Foundry and Ozone API together bring you the Standards Library and Innovation Atlas, outlining the features and similarities between different standards being set across the globe. --- The Joint Regulatory Oversight Committee (JROC) report is a milestone in the story of Open Banking in the UK. Ozone API CEO, Chris Michael, shares his thoughts. --- When considering the right approach to deliver open banking APIs, either to comply with regulations and/or to unlock the potential of new revenue streams through account information and payment initiation services, banks should consider these 8 tips to ensure a successful implementation. --- Ozone API on Temenos Exchange offers the quickest solution to deliver compliant open banking APIs and enable new commercial banking models. Temenos core banking customers can access ‘out of the box’ compliance as well as beyond compliance tools for premium APIs and embedded finance. --- --- Here are some tips that fintech start-ups, and indeed other nascent companies, can adopt when it comes to identifying, attracting and retaining talent in these difficult times. --- Explore the current state of Open Finance in Latin America. --- Ozone APIs's General Manager for Latin America, Fabio Caldeira, highlights the Brazilian Central Bank's essential role for the local initiative which has evolved so much in two years and reinforces the importance of Brazil positioning itself as a global leader --- Open finance software leader, Ozone API, now operates seven international hubs in key regions across the world and powers the open finance infrastructure of more than 60 banks and institutions --- Open banking is now five years old in the UK. To mark this important anniversary, the founders of Ozone API reflect on their leading role in building a standard that became a blueprint for ecosystems around the world. --- Ozone API and TecBan have provided more than 20 banks with the tools they need to implement standards-compliant open finance APIs and create new revenue streams. --- --- ## Awards --- ## Podcasts --- --- --- --- --- ## Press --- ## Standards --- --- ## Success stories Financial institutions in Latin America no longer have to choose between innovation and regulatory compliance. Through Ozone API and Finerio Connect's partnership, banks in Colombia, Chile, and Guatemala are launching Open Finance ecosystems today — driving commercial value now while ensuring seamless compliance with future regulations. --- Many traditional banks struggle to adopt Open Banking due to legacy systems that are difficult to integrate with modern APIs, high costs of infrastructure overhauls, and complex regulatory requirements. These challenges limit their ability to offer seamless, innovative digital services, leaving them behind in an increasingly API-driven financial landscape. --- --- ## Media mentions ---