Open banking connectivity: not as bad as you have been led to believe

While the rest of the industry grandstands, Token’s collaborative approach is leading the connectivity race in Europe. Todd Clyde, CEO of Token, explains. Over the past several months, you have...

Making open banking pay with a superior API

One early lesson from the introduction of open banking in Europe is the importance of the API in determining how ambitious banks and third parties can be. If the aim is to create value-added...

Open Banking’s First Year-end Dividend

Marten Nelson, Co-founder of leading open banking platform provider Token, investigates how much has changed since the first PISP payment in the UK and asks what comes next for the open banking...

How to address PSD2’s contingency mechanism

The RTS, (EU) 2018/389 deadline for account servicing payment service providers (ASPSPs) to be in production is September 14, 2019. ASPSPs includes banks, card issuers and Electronic Money...

Will banks ever learn?

Yesterday, Facebook announced Libra, a stablecoin to be used for payment in WhatsApp and Facebook Messenger. Libra is a stablecoin pegged to a basket of fiat currencies to minimise fluctuation of...

Open banking is just a taste of what’s to come

There’s still hell to pay in the back-end, says Marten Nelson, Co-founder, Token.io. True digitisation in payments means overhauling the core infrastructure as well as its connectivity layer.

2019: the breakthrough year for open banking

January 2019 marked a year since open banking came into play in Europe. While 2018 saw a steep learning curve for all involved, the next year will start to show serious, market-defining...

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