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With PSD3 right around the corner, Gunnar Berger, Head of Open Banking at Nordea, reflects on its possible consequences for innovation. Are regulatory requirements enough to drive innovation, or do all involved parties need to have something to gain to ensure new technology is adapted to improve service offerings?
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Insights
Ulrika Claesson, Head of Open Banking Community at Nordea, and Agnija Gailane, Community Manager - Open Banking Community at Nordea, were interviewed by Vlad Macovei from 'The Paypers' to discuss educating companies about Open Banking, the solutions being offered and the things fintech partnerships can bring to the table. As Open Banking becomes more understood, Nordic companies are actively identifying areas where APIs can bring value to their customers.
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Banking innovation
The banking technology is evolving fast and the trend is going towards making more financial data accessible via APIs – and Nordea is in front, offering customers and partners to use our services in their preferred digital environment via our embedded finance solutions.
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Corporate insights
A new API based solution known as ‘Beneficiary Account Validation’ provides an effective way for companies to validate the bank account information of their international suppliers before changing payment instructions or adding a new supplier. Developed as the result of close collaboration between Nordea and Wärtsilä, the new service aims to reduce the risk of fraud by adding an extra layer of security to the account verification process.
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Corporate insights
The growth of embedded finance has seen an increasing number of financial operations enabled in the user’s own preferred digital environment. As a market leader in Open Banking, Nordea is heading the embedded finance charge by providing a growing selection of premium API solutions that can be embedded in external channels and applications.
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Corporate insights
Esther Groen, Adviser to the Board at Holland Fintech, discusses how Open Finance is the natural next step for Open Banking and the benefits this can have for both consumers and the wider economy.
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Corporate insights
Taru Möller, Head of Transaction Banking Value Propositions at Nordea, discusses how the changing preferences of customers means companies should be looking to make their operations more dynamic and adaptive with real-time capabilities able to respond to shifting demands.
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Corporate insights
Brendan Jones, Chief Commercial Officer at Konsentus, discusses the practical implications of how PSD2 (the Revised Payment Services Directive) and Open Banking will change the way financial services are distributed.
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Insights
Majblomman is a well-known Swedish charity that raises money with the annual sale of special paper flower pins. When Majblomman implemented a fully digital campaign, Nordea’s Open Banking team enabled a real time overview of all incoming donations.
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Corporate insights
Although it was regulatory requirements that sparked the move towards Open Banking, Sofia Ericsson Holm, Head of Strategic Partnerships and Open Banking at Nordea, explains how it is the demand for instant and better user experiences that will really drive innovation.
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Insights
Banks are transforming to become fully digital. For the traditional banks, the journey is long and will take years. Luckily, they are not alone. External partners like Fintechs, non-traditional financial services providers, technology companies and even regulatory requirements are helping banks to take the steps towards the target state. Mikko Päivinen, Enterprise Architect at Nordea, explains how Open Banking is one of the drivers which can help the digital transformation, if architected and implemented correctly.
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