18 forward-looking use cases spanning AI, climate finance, embedded banking, and government services — being built on open banking infrastructure today.
18 forward-looking use cases spanning AI, climate, embedded finance, and government services — being built on open banking infrastructure today.
Real-time simulation of personal and business finances enabling scenario planning and proactive crisis prevention.
AI adviser grounded in real transaction context — delivering personalised, scalable financial guidance 24/7.
Consented transaction data used to train AI models, accelerating fintech product development cycles.
Non-banks embed accounts and payments directly in their products, monetising existing loyal customer bases.
Calculate personal and corporate carbon footprints from spending patterns to support net-zero strategies.
Finance suppliers who meet ESG criteria verified by real financial data — linking cost of capital to sustainability.
Pull live data to auto-generate FCA and PRA reports — reducing compliance costs by 40–60%.
Consumer view of all pensions in one regulated portal — addressing £26.6bn in lost UK pension pots.
Flag households at financial risk to support services for proactive, data-driven welfare intervention.
The complete catalogue of next-generation use cases being built on open banking rails — from AI to climate to government.
Consumer view of all pensions in one regulated portal — addressing £26.6bn in lost UK pension pots.
Real-time comparison using verified financial profile for better-matched products and lower premiums.
Non-banks embed accounts and payments in their products to monetise existing customer bases.
Platforms offer credit embedded in user journey (e.g. ride share) for seamless, higher-conversion lending.
Pull live data to auto-generate FCA/PRA reports and reduce compliance cost by 40–60%.
Track whether products remain affordable over customer lifetime to meet FCA Consumer Duty requirements.
Real-time simulation of personal and business finances for scenario planning and crisis prevention.
AI financial adviser grounded in real transaction context — personalised, scalable, available 24/7.
Consented transaction data used to train AI models, accelerating fintech product development cycles safely.
Calculate personal and corporate carbon footprint from spending patterns to support net-zero commitments.
Reward low-carbon spending with better financial rates to drive sustainable behaviour change.
Finance suppliers who meet ESG criteria verified by real financial data — linking cost of capital to sustainability performance.
Auto-verify eligibility for state benefits via bank data to reduce unclaimed benefits and fraud.
Flag households at financial risk to support services for proactive welfare intervention.
Secure, consented bank data feeds to HMRC for pre-populated self-assessment and real-time tax compliance.
Auto-rebalance investment portfolios based on live bank cash flow data and upcoming expense commitments.
Advance revenue to merchants based on verified transaction throughput — same-day funding with no fixed repayments.
ML-driven life-event prediction (home purchase, redundancy) from transaction signals to proactively match financial products.
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