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The banking industry and the broader community of industry watchers appear to have reached a fair degree of consensus on the definition, archetypes, impact and promises of Open Banking. However, with many banks still engaged in completing their PSD2 and/or CMA9 compliance journeys, there is much catching up to do in terms of planning and implementing an Open Banking strategy beyond the pressing compliance requirements. Barring the early adopters, of course.

This paper analyses the options available to banks in the post-compliance era, and discusses ways and means of achieving them.