The comprehensive guide to open banking

The what, the why and the how: get your free copy of Atto's guide today.

Atto's comprehensive guide to open banking

Download Atto's guide to open banking

Open banking is completely reshaping how credit risk is assessed, giving businesses a deeper understanding of how consumers spend, save and earn.

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.

Atto's comprehensive guide to open banking
Mr H Reid

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.

Mr S Taylor

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.

Ms S Patel

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.

Mrs L Jones
Do the numbers add up?

Open banking by numbers

Open banking has already made a significant impact, and the statistics below highlight its growing adoption and benefits.

7m
7 million users have adopted open banking in the UK

According to OBIE's 2024 Adoption Report

90%
90% of consumers report improved access to financial products and services due to open banking

According to a survey conducted by YouGov in 2023

1.5k
1.5k fintech companies and financial institutions are leveraging open banking to provide innovative solutions

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

Deliveroo
Nasdaq
Royal Bank of Scotland
Shieldpay
XE
Target Group

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.

Atto's comprehensive guide to open banking, laid out on a surface showing some of the pages
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