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Continue reading →: Open Finance in LatAm 2026: Regulatory Gaps Europe Learned the Hard Way
Latin America is scaling Open Finance fast. Europe already knows what happens when the infrastructure outpaces the regulation. The lesson is still relevant. Brazil has 128 million active Open Finance consents as of December 2025. Chile enters mandatory implementation in April 2026. Colombia launched its interoperable Open Finance hub in…
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Continue reading →: Open Banking is Great, Unless You’re an Immigrant
“While residents in Europe can connect all their accounts and get personalized financial advice, immigrants are left managing fragmented systems.” Imagine linking all your financial accounts in one app, getting personalized advice on where to save, invest, and find the best loan options. No financial advisor needed. In Spain, that…
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Continue reading →: Investment in Open Banking Leaves the U.S. Behind
Open Banking has changed the game, building investor trust and driving a surge of funding into fintech, especially for PayTechs. Regulation has a reputation for slowing things down. More compliance, more costs, more friction for smaller players trying to enter a market. In Europe’s fintech sector, the data tells a…
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Continue reading →: PSD2: Leveling the Financial Playing Field
Aware that a market-driven approach would not ensure fair competition between traditional banks and fintechs, the EU introduced PSD2. For years, the rules of banking were simple: if you controlled the accounts, you controlled everything. Banks decided who could access payment infrastructure, who could see customer data, and who could…
Natasha Cáceres 