The comprehensive guide to open banking
The what, the why and the how: get your free copy of Atto's guide today.
Download Atto's guide to open banking
Our comprehensive guide will help you understand the what, the why, and the how of open banking—whether you're curious about its potential, its impact on financial services, or how it works in practice.
Why download this guide?
Discover how open banking is reshaping financial services
For decades, traditional banking systems held the reins, but open banking has put transactional data back in the hands of customers. Open banking is breaking barriers, creating a financial world that moves at the speed of life.
Why download this guide?
Understand the new world of lending
Now, banks, lenders, and fintech innovators are accessing real-time, secure data that empowers consumers, improves lending accuracy, and fosters trust.
Why download this guide?
See the real-world impact of open banking
With our in-depth guide, you’ll uncover the full scope of open banking’s impact—from reshaping credit scoring to enhancing data security in credit risk applications.
Why download this guide?
Understand the security behind open banking
Learn how open banking uses APIS and regulations to make transactional data sharing safer than ever before.
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Open banking by numbers
Open banking has already made a significant impact, and the statistics below highlight its growing adoption and benefits.
According to OBIE's 2024 Adoption Report
According to a survey conducted by YouGov in 2023
According to the 2023 Global Fintech Adoption Report by Fintech Alliance
Your gateway to understanding open banking's full potential
What's inside this guide?
Dive deeper into the mechanisms, benefits, and future of open banking.
What's inside the guide?
Why the UK pushed for open banking
Learn about the Competition and Markets Authority's efforts to create a more competitive banking environment, putting consumers in control.
What's inside the guide?
How open banking works
Discover the mechanisms behind open banking, from secure APIs to the way consumers consent and connect safely.
What's inside the guide?
Enhanced security features
Understand why open banking is inherently safer than sharing PDFs or printed statements, and how encryption and regulation protect your data.
What's inside the guide?
Impact on credit scoring
Understand how open banking uses real-time transaction data to revolutionise credit scores, making credit more accessible and improving financial inclusion.
Servicing our customers
“Working together, Atto’s Connect widget and Shieldpay's payment engine allow customers to transfer funds online with digital escrow and trust services. The combined service will bring seamless identity verification during transfers, streamlining the customer experience without sacrificing any measure of security. Bringing customers a frictionless payments journey at every step.”
“Underwriters can confidently produce quicker and more detailed analysis. Customers receive speedier decisions with reduced intrusion/inconvenience. Dealer receives quicker decision - increased satisfaction. Everyone wins with the new process.”
Global automotive manufacturer“In working with Atto, we can give the underwriter a much more detailed and understandable view of a customer’s financial profile.”
Powering household names with real-time customer insights
Get your free copy
Download Atto's comprehensive guide to open banking today
Ready to dive into the world of open banking? Download Atto's comprehensive guide today and discover how open banking can empower you and transform the future of credit risk.