Latest news
Expert insights on open banking, AIS, PIS, payments innovation, fintech trends, regulatory updates, case studies, and enterprise integration tips.
December 04, 2025
Fintech and open banking news: 11/25
November brought the first commercial cVRP transaction via Visa A2A, a major BNPL player announcing its own stablecoin, and the FCA setting out how it plans to regulate cryptoassets and stablecoins. Here is Asima’s take on what matters.
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November 27, 2025
API quality is becoming a competitive differentiator - and UK open banking data proves it
Latest UK open banking metrics show average response times in the 300 ms range, with availability over 99 %. For infrastructure providers like Asima, these numbers matter — because true scale demands performance, resilience and trust baked into every API.
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November 20, 2025
Open banking hits its stride: OBL keynote signals for infrastructure-providers
At the 2025 Open Banking Expo, Open Banking Limited explained how the UK system is moving from mandated rails to open innovation. In this post we unpack the engineering implications for payments and data infrastructure, and what it means for platforms like Asima.
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November 13, 2025
UK marketplace payments: authorisation, agent status, or Asima’s third-party verification
If you run a marketplace where customers pay third-party sellers, you’re in UK payments territory. Learn when FCA approval applies, why the Appointed Representative route doesn’t, and how Asima’s Third-Party Verified Accounts model can help.
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November 06, 2025
Fintech and open banking news: 10/25
October brought major developments in open finance testing, regulatory collaboration, and the future of tokenised payments. Asima reviews the highlights, the infrastructure implications, and what clients should prepare for next.
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October 30, 2025
Control by design: what superintelligence fears tell us about infrastructure trust
A new call to prohibit “superintelligence” has united unlikely voices. Rather than pick a side, we examine what this debate reveals about control, consent and accountability in critical infrastructure, and how those ideas inform the systems we build in finance.
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October 23, 2025
Challenger banks, ‘logic-defying’ rules, and what proportionate regulation should look like
A new Innovate Finance paper argues the UK risks hobbling challenger banks with “logic-defying” regulation. We examine the claims against current PRA reforms (Strong & Simple, MREL changes, leverage-ratio tweaks) and set out what proportionality should mean in practice.
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October 16, 2025
Consent fatigue in open banking: designing seamless user consent
As open banking grows, customers face repeated permission requests across multiple screens. Without careful design, this leads to “consent fatigue” - users disengage or accept blindly. We explore what causes this fatigue and how fintechs can design experiences that minimise friction and build trust.
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October 10, 2025
The FCA considers easing Consumer Duty rules – what it means for fintechs
The FCA is reviewing parts of its flagship Consumer Duty regime, signalling that the regulator may relax certain obligations for firms that do not directly interact with retail customers. Asima looks at what this could mean for fintech innovation, compliance, and consumer trust.
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October 02, 2025
Fintech and open banking news: 09/25
UK open banking tops 15.16 million users. The EU moves to exclude Big Tech from FiDA. Plaid agrees to JPMorgan’s new data-access fees. Vipps MobilePay rolls out pay-by-bank with Tink in Finland. Tide becomes a unicorn, and Nubank applies for a US bank charter.
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September 25, 2025
API performance meets adoption
In August 2025, open banking in the UK passed a major milestone, recording more than 30 million successful payment initiations in a single month. This surge signals accelerating adoption, proven reliability, and new opportunities for financial institutions. What should the C-suite take away?
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September 18, 2025
Why open banking bakes in SCA, and cards bolt it on
Open banking embeds Strong Customer Authentication at its core. By contrast, card payments bolt on layers - CVVs, PINs, 3-D Secure, caps - because SCA is not inherent. That difference matters for fraud, trust and the future of payments.
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September 11, 2025
The US open banking reset: fees, rule rewrites, and what the UK can teach
The US is rewriting its open banking rules just as major banks move to charge for data access and Visa retreats from US open banking. Here is what that means, and how Asima thinks the UK and EU playbook can help the US avoid a costly dead-end.
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September 05, 2025
Asima is now open for applications
Asima is now welcoming applications. Our streamlined onboarding process, complete with sandbox access, means you can start your open banking integration journey today.
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September 01, 2025
Operational resilience for open banking: a UK enterprise playbook
July’s OBL dashboard logged 11,052,438 failed API calls (0.54%). At national scale, tiny percentages matter. Here’s a UK-focused playbook to assess providers, test severe-but-plausible scenarios, and embed operational resilience in your open banking stack. [^1]
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August 29, 2025
Smart Debits, sorted: a practical guide to migrating recurring payments with cVRP
Smart Debits, powered by Commercial Variable Recurring Payments (cVRP), promise lower costs, faster settlement and greater control. Here’s a practical guide for enterprises planning their migration from cards and Direct Debit.
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August 22, 2025
The enterprise checklist for open banking integration
For CTOs, CFOs, and product teams, the challenge is not simply gaining access to bank APIs – it’s ensuring that your chosen provider can deliver at scale, with reliability, security, and predictable costs.
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August 13, 2025
Asima launches: why the Future Entity and UK Payments Initiative make this the right time
Open banking was never meant to stop at payments. In 2025, the UK is entering a new phase: one that pushes beyond access to current accounts and into full-spectrum open finance including pensions, savings, credit, and beyond. Asima exists to power this transition.
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