
Our Blog
Discover the latest insights and success stories in Open Banking, PSD2, and financial innovation with Enable Banking. Learn how data connectivity, APIs, and Open Finance are transforming how businesses access and use financial data. From expert perspectives to real-world use cases, our blog helps you stay ahead of the trends shaping digital finance.
Four Surprising Ways Open Banking is Changing Business and Finance
Open banking is quietly transforming industries far beyond personal finance apps. Already powering hyper-personalised loyalty programs, smarter KYC, faster SME lending, and real-time accounting, it’s delivering real value across the Nordics and beyond. But the next wave is even more surprising; reshaping recruitment, insurance, treasury management, and more. This article explores both today’s proven applications and tomorrow’s unexpected opportunities, and invites readers to join Sarah Häger’s webinar, Beyond the Obvious: Five Surprising Open Banking Use Cases, for a deeper look.
Scaling SME Financing with Speed and Smarts: A Conversation with CapitalBox’s Julija Varneckienė
CapitalBox is on a mission to make SME financing faster, smarter, and more human. Open Banking is a key part of the story. In this partner spotlight, Julija Varneckienė (COO) shares how real-time access to business account data has helped them cut onboarding times from days to minutes, reduce fraud, and deliver a more respectful, modern customer experience. She also talks about the value of working with Enable Banking, and what the future of SME lending looks like.
Beyond the Obvious: 5 Surprising Open Banking Use Cases
Think you know Open Banking? In this free on-demand webinar, Sarah Häger explores five unexpected and practical use cases that go far beyond aggregation and onboarding. From fraud prevention to insurance gap detection, get a fresh look at how financial data is powering smarter decisions across banking, ERP, KYC, and fintech.
AI, Identity & Fraud: iDenfy’s Vision for a Safer Digital World with Robert Kotov
Identity theft and fraud threats are more sophisticated than ever, but so are the solutions. In this interview, Robert Kotov, Head of Partnerships at iDenfy, explores how the company uses AI, biometrics, and open banking integrations to stay ahead. He highlights how their hybrid human-machine approach improves accuracy and trust, how industry-specific challenges are tackled, and why anticipating fraud’s next evolution is critical. With stories from real-world implementations and a vision for the digital ID future, this is a must-read for anyone serious about security, compliance, and seamless onboarding.
Unlocking Open Banking: New Opportunities for Growth
For years, Open Banking has been seen primarily as a tool for credit risk assessment—but its potential reaches far beyond lending. With evolving regulations like PSD3 and the upcoming Financial Data Access framework (FIDA), new business opportunities are emerging across industries. From hyper-personalized loyalty programs to smarter SME lending, companies that embrace these changes can gain a competitive edge. The key? Viewing regulatory shifts as opportunities rather than obstacles and leveraging financial data in innovative ways. In this article, we explore how businesses can adapt, innovate, and thrive in the evolving Open Banking landscape.
Transforming SME Financing with Molly Wahlstrom from Qred Bank
Qred Bank is transforming SME financing by offering fast, flexible, and digital-first lending solutions. Molly Wahlström, Customer Operations Manager at Qred, shares how their partnership with Enable Banking enables real-time financial data access, improving credit decisions and streamlining the lending process for small businesses across Europe.
From Snowy Peaks to Coding Chic: Partner Spotlight with Fimento's Jonas Deibe
Fimento is redefining credit insights and lending with AI, machine learning, and open banking. In this exclusive interview, CTO Jonas Deibe shares how their cutting-edge technology, combined with Enable Banking’s seamless data access, is driving smarter financial decisions. Find out how they’re bridging the gap between traditional banking and the future of AI-powered finance.
Enable Banking and Qred Partner to Empower Entrepreneurs with Seamless Financial Solutions
Enable Banking and Qred announce a strategic partnership to revolutionize financing for entrepreneurs. By leveraging real-time financial data and seamless account-to-account payments, Qred enhances credit decisions and operational efficiency. This collaboration highlights the transformative power of open banking in supporting small businesses, enabling them to grow, invest, and expand with ease.
Unlocking Opportunities in Risk Management Through Open Banking with Roaring’s Pontus Holmberg
Roaring, a leading Swedish data provider, collaborates with Enable Banking to unlock the power of open banking for businesses. Together, they streamline AML compliance, automate workflows, and enable smarter risk management with seamless API integration. Learn how this partnership is reshaping risk mitigation.
How Props is Redefining Loyalty Programs with AI and Open Banking
Explore how Props, founded by serial entrepreneur Tuomas Kohila, is reshaping the rewards and loyalty industry. By leveraging AI and Open Banking, Props combines personalization with robust consumer privacy protections. Read on to discover their innovative approach and partnership with Enable Banking.
Unlocking Open Banking Data Insights in Accounting and Auditing with Xpektor
In this Partner Spotlight, Daniel Eremar, Head of Sales at Xpektor, explores how predictive analytics is transforming accounting. Discover how Xpektor harnesses Enable Banking’s real-time data to deliver unique insights, enhance decision-making, and drive innovation for clients across industries.
Interview with Stefan Agergaard Hansen – The Future of Credit Risk Assessments with Monthio
In this Partner Spotlight, Stefan Agergaard Hansen, Chief Commercial Officer at Monthio, shares insights on how open banking is reshaping credit risk assessments. Learn how Monthio leverages cutting-edge technology to improve loan approval processes, increase transparency, and reduce risk for financial institutions.
Shaking up KYC With Open Banking: iDenfy’s Bank Verification Tool
Open Banking is transforming the way businesses approach KYC compliance. By providing real-time financial data through secure APIs, Open Banking augments traditional KYC processes, helping businesses assess risk more accurately, verify the source of funds, and automate compliance workflows. In industries like fintech and crypto, this shift is crucial for reducing fraud, ensuring regulatory compliance, and delivering a faster, smoother onboarding experience.
Interview with Tommi Lassila: Revolutionizing Core Banking with Aura Cloud
Tommi Lassila from Aura Cloud discusses how their cutting-edge core banking platform is revolutionizing financial services. Learn how Aura Cloud’s rapid deployment and deep API integration are helping fintechs and banks streamline credit issuance and automate key processes—powered by innovative partnerships like the one with Enable Banking.
The Future of Loyalty - SAS EuroBonus and the Power of Open Banking
SAS EuroBonus is leading the way to a more personalized and insightful future for customer loyalty programs. We had the pleasure of sitting down with Madeleine Svantesson, Head of EuroBonus Partners at the Nordic Fintech Summit. Madeleine shares her experiences and insights on how SAS EuroBonus, the largest loyalty program in Scandinavia, is leveraging Open Banking to enhance member engagement and drive business growth.
How Enable Banking and Orka Ventures Are Pioneering Open Banking Innovation in Iceland
Since 2021, Orka Ventures has partnered with EnableBanking to revolutionize Open Banking in Iceland. Through the development of cutting-edge APIs and collaboration with Iceland’s three major banks, Orka has built a consumer-lending app that automates creditworthiness assessments. This partnership has empowered over 100 TPPs to leverage Open Banking data, transforming Iceland’s financial landscape with transparency, security, and innovation at its core.
Interview with Antti Harsunen: The Evolution of Digital Identity at Signicat
In an insightful interview, Antti Harsunen, Country Manager for Signicat in Finland, delves into the company's leadership in digital identity and trust services. With the upcoming eIDAS 2 regulation, Signicat is poised to transform identity verification, offering consumers enhanced security and control over their data. Discover how Signicat’s partnership with Enable Banking and cutting-edge AI solutions are revolutionizing the landscape of secure authentication.
Interview with Oliver Mohseni Skoglund: Revolutionising SME Lending with Froda
Froda used Enable Banking’s API to significantly increase the speed and accuracy of its risk checks. This resulted in reduced risk for Froda, instant loan decisions for customers and a fairer, more inclusive small business borrowing environment.
New Spotlight: Tjing
See how Tjing and Enable are collaborating to empower a younger generation to navigate the financial world with confidence and wisdom.
New Spotlight: CRIF
Learn how Enable is working with CRIF to help banks understand and use big data.