27 Nov 2025
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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20 Nov 2025
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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6 Nov 2025
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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23 Oct 2025
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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16 Oct 2025
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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10 Oct 2025
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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2 Oct 2025
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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18 Sept 2025
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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11 Sept 2025
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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5 Sept 2025
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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1 Sept 2025
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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29 Aug 2025
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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