Open Finance refers to the secure exchange of financial data via standardized interfaces between banks and other companies (e.g., FinTechs). The goal is to offer customers seamless and personalized access to services across the financial ecosystem — and beyond.
Open Finance also enables innovative business models like Embedded Finance, Banking-as-a-Service, and Insurance-as-a-Service. For example, Embedded Finance empowers non-financial companies to integrate financial services directly into their platforms — enhancing user experience and unlocking new revenue streams. But where does Switzerland currently stand on Open Finance? And what are the key success factors for its effective implementation?
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