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Global Open Banking & Open Finance Infrastructure Market 2026

Publisher yStats.com
Published Sep 10, 2026
Length 87 Pages
SKU # YST21570022

Description

Global Open Finance Expands Beyond Banking as Financial-Data Infrastructure Develops in 2026

Key Highlights
  • India’s Account Aggregator ecosystem reached over 325 million cumulatively linked financial accounts and more than 530 million cumulative fulfilled consents by July 2026.
  • UK Open Banking APIs recorded over 99% successful-call rate and availability in July 2026.
  • New Zealand’s regulated Open Banking data-sharing requests more than doubled from over 9 million in May to more than 19 million in July 2026.
Permissioned Data Sharing Broadens in Scope

Open Finance is developing beyond traditional banking-data access as emerging frameworks incorporate additional financial areas, including lending, wealth, insurance, pensions, and business financial information.

Open Banking Moves Further Into Operational Use

Account linking, consent activity, API calls, and ongoing data sharing demonstrate active use of Open Banking infrastructure. However, these measures represent different dimensions of ecosystem development and should not be directly compared.

Standards and Governance Support Open Finance Development

Connecting a wider range of financial institutions and data types creates additional requirements for common technical standards, reliable data exchange, customer controls, participant accountability, and coordinated governance.

Table of Contents

87 Pages
1. Key Takeaways
2. Management Summary
3. Financial-Data Infrastructure: APIs, Consent & Interoperability
3.1. Infrastructure Architecture
Global: Permissioned Financial-Data Access Architecture Across Open Finance Infrastructure, Sep 2026
Global: Open Finance Ecosystem Participants and Their Functions, September 2026
Global: Participant Directory and Discovery Functions Across Open Finance Infrastructure, September 2026
3.2. API Infrastructure
Global: API Standardization and Connectivity Models, September 2026
Global: Technical Dimensions of Financial-Data API Standardization, September 2026
Global: Data Quality and Operational Requirements Across Open Finance Infrastructure, September 2026
UK & Brazil: Official Open Banking and Open Finance API Metrics, September 2026
UK: Open Banking API Calls by Success Status, in %, July 2026
UK: Successful Open Banking API Call Volume for Selected Service Types, in Billions of Calls, July 2026
UK: Selected Open Banking API Performance Indicators, in %, July 2026
Brazil: Open Finance API Calls, in thousands, June 2026-August 2026
3.3. Consent and Permissions
Global: Authorization, Access, Renewal and Revocation Across Financial-Data Sharing, September 2026
Canada, Malaysia & UK: Open Banking and Open Finance Permission Models, September 2026
3.4. Interoperability
Global: Technical, Data and Cross-Sector Interoperability Requirements in Open Finance, September 2026
Canada: Financial-Data Access, Sharing and Portability Across Open Finance Infrastructure, September 2026
4. Open Finance Data Domains & Use Cases
4.1. Banking and Account Data
Global: Account-Information and Financial-Management Applications Enabled by Open Bank. Data, Sep 2026
4.2. Lending and Credit
UK: Financial-Data Inputs and Infrastructure Across Lending and Credit Assessment, September 2026
4.3. Investments and Wealth
Global: Selected Financial-Data Access Across Investment, Brokerage and Wealth Products, September 2026
Global: Investment-Data Connectivity and Multi-Provider Portfolio Visibility, September 2026
4.4. Insurance
Europe: Insurance Data Types and Connectivity Within Emerging Open Finance Frameworks, September 2026
4.5. Pensions
UK: Pension and Retirement Data Connectivity Across Open Finance Ecosystems, September 2026
4.6. SME and Business Data
Global: Business Financial-Data Sharing Across Banking, Accounting, and Financing Workflows, Sep 2026
4.7. Cross-Sector Comparison
Global: Financial-Data Scope Across Selected Open Banking and Open Finance Frameworks, Sep 2026
5. Adoption & Ecosystem Development
5.1. Open Banking Ecosystem Scale
Global: Open Banking Ecosystem Usage Indicators, September 2026
Global: Open Banking Ecosystem Participation and Provider Status, September 2026
India: Cumulative Accounts Linked Through the Account Aggregator Ecosystem, in millions, Feb 2026-July 2026
India: Cumulative Consents Fulfilled Through Account Aggregators, in millions, February 2026-July 2026
India: Monthly Financial-Data Deliveries Through Account Aggregators, in millions, February 2026-July 2026
New Zealand: Number of Regulated Open Banking Data-Sharing Requests, in millions, May 2026-July 2026
New Zealand: Accredited Requestors, in Number of Organizations, December 2025-July 2026
5.2. Service Adoption
UK: People and Small Businesses Active in Open Banking, in % of Those With Online Current-Account Access, March 2021-March 2025
New Zealand & Australia: Use of Account Information and Other Open Banking Services, September 2026
New Zealand: Regulated Open Banking Payment Requests, in Number of Successful Payment Requests, May 2026-July 2026
New Zealand: Value of Successful Regulated Open Banking Payment API Requests, in NZD millions, May 2026-July 2026
Georgia & Türkiye: Payment Initiation Within Open Banking Ecosystems, September 2026
5.3. Infrastructure Service Models
UK & Europe: Selected Access and Service Models Across Open Banking and Open Finance Infr., Sep 2026
5.4. Adoption Barriers / Development
Global: Barriers to Open Finance Development, September 2026
Global: Banks by Stage of Open Finance Readiness, in %, 2025
6. Regulation, Governance & Data Rights
6.1. Regulatory Models
New Zealand, UK & EU: Development Stage Across Regulation, Standards and Operational Implementation, September 2026
UK, New Zealand & Australia: Regulatory Models for Open Banking and Broader Financial-Data Sharing, September 2026
APAC: Status of Open Banking Legislation, Regulation, and Guidance Across 16 Assessed Jurisdictions, in %, 2025
APAC: Status of Open Finance Legislation, Regulation, and Guidance, in %, 2025
6.2. Financial-Data Rights
EU & Australia: Financial-Data Access Rights, Data-Holder Obligations and User Control, September 2026
Global: Data-Access Reciprocity and Participant Rights Across Open Finance Frameworks, September 2026
6.3. Mandatory vs. Commercial Access
UK & Europe: Mandatory Financial-Data Access Versus Premium and Commercial API Services, Sep 2026
6.4. Accreditation, Liability & Governance
Global: Third-Party Access, Accreditation and Liability Across Open Finance Ecosystems, September 2026
Global: Governance Roles Across Financial-Data Access Ecosystems, September 2026
6.5. Operational Trust
UK: Consent Integrity, Third-Party Access and Operational Trust in Open Banking, September 2026
7. Selected Market Models
7.1. Europe
Europe: Evolution of Financial-Data Access Beyond Existing Open Banking, September 2026
Europe: Financial-Data Scope and Open Finance Implementation Framework, September 2026
7.2. United Kingdom
UK: Open Banking Ecosystem Development Across Connectivity and Service Adoption, September 2026
UK: Development Beyond Open Banking Toward Wider Smart Data Infrastructure, September 2026
7.3. United States
U.S.: Consumer Financial-Data Access and Open Banking Infrastructure Development, September 2026
U.S.: Banks, Data Aggregators and Financial Applications Across the Financial-Data Connectivity Ecosystem, Sep 2026
7.4. Brazil
Brazil: Expansion From Open Banking Toward Open Finance Across Financial Products, September 2026
7.5. Australia
Australia: Consumer Data Right and Financial-Data Sharing Infrastructure, September 2026
7.6. Comparative Emerging Models
India, Singapore & Saudi Arabia: Financial-Data Access and Open Finance Infrastructure Models, Sep 2026
8. Infrastructure Provider Landscape
Global: Open Banking and Open Finance Infrastructure Providers by Functional Role, September 2026
Global: Geographic and Institutional Connectivity of Selected Open Banking Infrastructure Providers, Sep 2026
Global: Financial-Data Coverage and Open Finance Capabilities of Selected Infrastructure Providers, Sep 2026
Global: Selected Financial-Data Infrastructure Capabilities Beyond Basic Account Connectivity, Sep 2026
9. Emerging Developments & Outlook
Global: Open Finance Infr. Developments Across Data Scope, Interoperability and Implementation, Sep 2026
Global: AI and Machine-Led Financial Services in Permissioned Financial-Data Access, September 2026

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