Sample Report: Global Open Banking & Open Finance Infrastructure Market 2026

Description

Region: Global

Country: U.S., UK, Brazil, Canada, Malaysia, India, New Zealand, Australia, Georgia, Türkiye

‍Pages: 87

Publication Date: 10.09.2026

Questions Covered in the report:‍

• How are Open Banking, Open Finance, APIs, consent frameworks, and financial-data sharing developing to support more connected financial-data ecosystems?
• How are account information, lending, investments, insurance, pensions, and business data expanding the scope of Open Finance beyond traditional banking?
• How are Open Banking adoption, API activity, account linking, consent fulfillment, and payment initiation developing across global and regional markets?
• How are data access rights, accreditation, liability, governance, and regulatory frameworks influencing the development of Open Banking and Open Finance ecosystems?
• How are interoperability, data quality, commercial infrastructure providers, and emerging AI-enabled financial services shaping the future of Open Finance infrastructure?

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Key Findings:

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

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Why This Matters: Open Finance is extending financial-data access beyond payment accounts toward lending, investments, insurance, pensions, and business finance. This broader scope increases requirements for standardized connectivity, reliable data, permission management, and interoperability across institutions and sectors.

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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.

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“Open Finance is developing from banking-data access toward broader financial-data connectivity across products and providers,” says Yücel Yelken, Founder and CEO of yStats.com. “As ecosystems expand, effective implementation increasingly depends on interoperability, reliable infrastructure, and clearly defined permission and governance frameworks.”

Financial-Data Access Moves Beyond Payment Accounts

Open Finance frameworks are extending or proposing permissioned access across credit, investments, insurance, pensions, and business data, creating a wider financial-data perimeter than traditional Open Banking.

Operational Usage Expands Across Open Banking Ecosystems

Account linking, consent fulfillment, API activity, and recurring data access demonstrate growing operational usage, although market metrics measure different aspects of ecosystem development and are not directly comparable.

Interoperability and Governance Become More Important

Broader data connectivity increases requirements around technical and data standards, data quality, accreditation, liability, customer permissions, and participant governance as Open Finance connects more institutions and financial sectors.

Access the Full Report

For detailed insights into APIs, consent, interoperability, financial-data use cases, adoption, regulation, market models, infrastructure providers, and emerging developments, access “Open Banking & Open Finance Market 2026.” Please contact press@ystats.com for more information.

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Table of Contents:

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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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Companies Mentioned:

• MX Technologies (MX)
• Yapily
• Tink
• Plaid
• Salt Edge
• TrueLayer
• Akoya
• Flinks
• Stripe
• Envestnet Yodlee
• Morningstar / Morningstar ByAllAccounts

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