www.inpay.com Open in urlscan Pro
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Form analysis
8 forms found in the DOM

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---

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---

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---

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---

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---

POST /news-and-insights/the-impact-of-open-banking/?utm_medium=email&_hsenc=p2ANqtz-_JY33qdppYEd-5tjgFJMxZ0oxkVsLh3W8X0UrlcC6OC2Y0HR4jCkeuoNOc3z4NyT-nlzD9HDCB7eLGEQITuS3zWf6IQQ&_hsmi=304952510&utm_content=304952510&utm_source=hs_email#gf_4

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        <div class="gfield_description gfield_consent_description" id="gfield_consent_description_4_4">I agree to receiving occasional marketing communication from Inpay, including updates on our products and services. I am aware that I can withdraw
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---

POST /news-and-insights/the-impact-of-open-banking/?utm_medium=email&_hsenc=p2ANqtz-_JY33qdppYEd-5tjgFJMxZ0oxkVsLh3W8X0UrlcC6OC2Y0HR4jCkeuoNOc3z4NyT-nlzD9HDCB7eLGEQITuS3zWf6IQQ&_hsmi=304952510&utm_content=304952510&utm_source=hs_email#gf_8

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---

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THIS WEBSITE USES COOKIES

We use cookies to personalise content and ads, to provide social media features
and to analyse our traffic. We also share information about your use of our site
with our social media, advertising and analytics partners who may combine it
with other information that you’ve provided to them or that they’ve collected
from your use of their services. If you want to choose between each of the
cookies used, please click on the fan “Details“ above.

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 * Necessary 13
   
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   page navigation and access to secure areas of the website. The website cannot
   function properly without these cookies.
    * Cookiebot
      2
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      1.gifUsed to count the number of sessions to the website, necessary for
      optimizing CMP product delivery.
      Expiry: SessionType: Pixel
      CookieConsentStores the user's cookie consent state for the current domain
      Expiry: 1 yearType: HTTP
    * Google
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      test_cookieUsed to check if the user's browser supports cookies.
      Expiry: 1 dayType: HTTP
      rc::aThis cookie is used to distinguish between humans and bots. This is
      beneficial for the website, in order to make valid reports on the use of
      their website.
      Expiry: PersistentType: HTML
      rc::cThis cookie is used to distinguish between humans and bots.
      Expiry: SessionType: HTML
    * LinkedIn
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      li_gcStores the user's cookie consent state for the current domain
      Expiry: 180 daysType: HTTP
      bscookieThis cookie is used to identify the visitor through an
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      LinkedIn application for example.
      Expiry: 1 yearType: HTTP
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      __cf_bm [x3]This cookie is used to distinguish between humans and bots.
      This is beneficial for the website, in order to make valid reports on the
      use of their website.
      Expiry: 1 dayType: HTTP
      _cfuvid [x3]This cookie is a part of the services provided by Cloudflare -
      Including load-balancing, deliverance of website content and serving DNS
      connection for website operators.
      Expiry: SessionType: HTTP

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 * Statistics 20
   
   Statistic cookies help website owners to understand how visitors interact
   with websites by collecting and reporting information anonymously.
    * Google
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      collectUsed to send data to Google Analytics about the visitor's device
      and behavior. Tracks the visitor across devices and marketing channels.
      Expiry: SessionType: Pixel
      _gaRegisters a unique ID that is used to generate statistical data on how
      the visitor uses the website.
      Expiry: 2 yearsType: HTTP
      _ga_#Used by Google Analytics to collect data on the number of times a
      user has visited the website as well as dates for the first and most
      recent visit.
      Expiry: 2 yearsType: HTTP
      _gatUsed by Google Analytics to throttle request rate
      Expiry: 1 dayType: HTTP
      _gidRegisters a unique ID that is used to generate statistical data on how
      the visitor uses the website.
      Expiry: 1 dayType: HTTP
      tdRegisters statistical data on users' behaviour on the website. Used for
      internal analytics by the website operator.
      Expiry: SessionType: Pixel
    * Hotjar
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      _hjSession_#Collects statistics on the visitor's visits to the website,
      such as the number of visits, average time spent on the website and what
      pages have been read.
      Expiry: 1 dayType: HTTP
      _hjSessionUser_#Collects statistics on the visitor's visits to the
      website, such as the number of visits, average time spent on the website
      and what pages have been read.
      Expiry: 1 yearType: HTTP
      _hjTLDTestRegisters statistical data on users' behaviour on the website.
      Used for internal analytics by the website operator.
      Expiry: SessionType: HTTP
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      __hsscIdentifies if the cookie data needs to be updated in the visitor's
      browser.
      Expiry: 1 dayType: HTTP
      __hssrcUsed to recognise the visitor's browser upon reentry on the
      website.
      Expiry: SessionType: HTTP
      __hstcSets a unique ID for the session. This allows the website to obtain
      data on visitor behaviour for statistical purposes.
      Expiry: 180 daysType: HTTP
      hubspotutkSets a unique ID for the session. This allows the website to
      obtain data on visitor behaviour for statistical purposes.
      Expiry: 180 daysType: HTTP
    * LinkedIn
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      AnalyticsSyncHistoryUsed in connection with data-synchronization with
      third-party analysis service.
      Expiry: 30 daysType: HTTP
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      sn_global_countdown_last_reset_timestampSets a timestamp for when the
      visitor entered the website. This is used for analytical purposes on the
      website.
      Expiry: PersistentType: HTML
      SNSSets a unique ID for the session. This allows the website to obtain
      data on visitor behaviour for statistical purposes.
      Expiry: SessionType: HTTP
    * analytics.sleeknote.com
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      2
      (unnamed) [x2]Registers statistical data on users' behaviour on the
      website. Used for internal analytics by the website operator.
      Expiry: SessionType: Pixel
    * www.inpay.com
      2
      ziwsSessionCollects statistics on the user's visits to the website, such
      as the number of visits, average time spent on the website and what pages
      have been read.
      Expiry: SessionType: HTML
      ziwsSessionIdCollects statistics on the user's visits to the website, such
      as the number of visits, average time spent on the website and what pages
      have been read.
      Expiry: SessionType: HTML

 * Marketing 22
   
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   is to display ads that are relevant and engaging for the individual user and
   thereby more valuable for publishers and third party advertisers.
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      lastExternalReferrerDetects how the user reached the website by
      registering their last URL-address.
      Expiry: PersistentType: HTML
      lastExternalReferrerTimeDetects how the user reached the website by
      registering their last URL-address.
      Expiry: PersistentType: HTML
      _fbpUsed by Facebook to deliver a series of advertisement products such as
      real time bidding from third party advertisers.
      Expiry: 3 monthsType: HTTP
    * Google
      6
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      IDEUsed by Google DoubleClick to register and report the website user's
      actions after viewing or clicking one of the advertiser's ads with the
      purpose of measuring the efficacy of an ad and to present targeted ads to
      the user.
      Expiry: 1 yearType: HTTP
      pagead/landing [x2]Collects data on visitor behaviour from multiple
      websites, in order to present more relevant advertisement - This also
      allows the website to limit the number of times that they are shown the
      same advertisement.
      Expiry: SessionType: Pixel
      pagead/1p-conversion/#/Pending
      Expiry: SessionType: Pixel
      pagead/1p-user-list/#Tracks if the user has shown interest in specific
      products or events across multiple websites and detects how the user
      navigates between sites. This is used for measurement of advertisement
      efforts and facilitates payment of referral-fees between websites.
      Expiry: SessionType: Pixel
      _gcl_auUsed by Google AdSense for experimenting with advertisement
      efficiency across websites using their services.
      Expiry: 3 monthsType: HTTP
    * Hubspot
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OPPORTUNITIES AND THREATS: THE IMPACT OF OPEN BANKING 

29 April 2024

HOW OPEN BANKING IS DISRUPTING TRADITIONAL BANKING MODELS AND RESHAPING THE
COMPETITIVE LANDSCAPE.



On the face of it, regulatory and technical frameworks may not sound very
exciting. And payment infrastructure perhaps even less so. But what if we were
to talk about better bank payments, more joined-up money and personalized
services?

Well, Open Banking is delivering on all this right now. That’s despite, or maybe
even because of, the fact it’s a regulatory framework. And in some countries, a
technical one, too.

Open Banking is creating new opportunities for banks, fintechs, retailers and
end-users. But opportunities and threats exist in the same future, as we
investigate below.

WHAT IS OPEN BANKING, AND WHERE DID IT COME FROM?

Open Banking describes a way of securely sharing data held by banks, if
customers consent to this. Some countries mandate a standardized format for this
data-sharing.

Introduced in the EU and UK in January 2018, Open Banking was originally a
regulatory initiative. The aim was to improve competition in banking and
payments by lowering barriers to entry for new entrants, such as fintechs,
start-ups and tech companies.

These newcomers could leverage Open Banking APIs to offer innovative products
and services. This in turn would challenge traditional banks, drive competition
and innovation in the market and give end-customers more choice.

These themes are present in the PSD2, or ‘revised payment services directive’,
the European legislation that brought Open Banking into existence as well as in
the general data protection regulation, or GDPR.

It’s all part of a broader cultural change to view organizations as custodians
of their customers’ data. And to enable customers to get more value out of their
data. This is primarily by allowing authorized parties to access it. Or by
enabling customers to aggregate their data from different sources for more
value, as we describe in four use cases below.

 1. BETTER BANK PAYMENTS 

Open Banking makes it possible for sellers to accept payment direct from
customers’ local bank accounts quicker, easier and better than ever before. The
potential reach is anyone with a bank account. So, thousands of customers and
hundreds of participating banks across Europe and beyond.

Impact: Unlike traditional banking which relies on a chain of intermediaries to
transfer funds cross-border, Open Banking is transfers without the middlemen.
That translates into shorter routes, and quicker and cheaper payments, which
brings opportunities for new entrants as well as disintermediation threats for
incumbents and intermediaries.

 2. EMBEDDED FINANCE

If businesses can connect customers to their money directly via their bank
account, there’s scope for them to ‘embed’ financial services into their
platforms and customer journeys. That’s even if they’re not a bank or payments
company. And that’s hugely disruptive.

It includes Klarna-like buy-now-pay-later loans at point of purchase. Or
insurance sold alongside mortgages, vehicles or even consumer devices. Financial
services can also be embedded into marketplaces, accounting or ERP platforms,
all of which is happening today.

A recent study reveals that UK retailers offering embedded finance have seen a
5-12% boost in conversion rates, a 15-30% increase in average order values and a
4-7% increase in incremental revenue.

Impact: The embedded finance opportunity for fintechs and non-financial brands
to drive customer loyalty, growth and revenue are as big as the
disintermediation threats for banks and payment card brands.

 3. FINANCIAL MANAGEMENT

Being able to aggregate data in real time means that customers can get a
holistic overview of funds held across different providers. This enables them to
evidence income, outgoings and affordability quicker and more easily when
applying for a loan or mortgage. They can also actively monitor and control
their finances better in one place.

Meanwhile providers can make quicker, more informed decisions to manage risk and
to offer personalized lending products with better terms. They can collaborate
better to create services that meet unique customer needs.

Impact: Providing a more joined-up view of money makes financial management
easier. Plus, enables providers to tailor their products and services better,
partnering more widely with third-party developers, fintechs and others to do
so.

Open Banking is a way-stage to the future. The next logical step would be
applying the same data-sharing principles to other areas of financial services.
An Open Finance proposition including savings, insurance, mortgage and pensions
would create an aggregated dashboard of a customer’s financial life. Open Data
could expand the proposition further still to telecoms, utility, healthcare,
retail and travel data.

 4. KNOW YOUR CUSTOMER

Open Banking technology allows direct connection to customers’ bank accounts to
verify accounts and identities, plus perform affordability checks.

Businesses, fintechs and public sector organizations can check that
customer-supplied data matches that held by their banks. They have proof that
workers have a bank account in their name to receive payment for gig, freelance
or salaried work. And have evidence of their customers’ creditworthiness for
loan, store card or mobile phone contract applications.

Impact: Knowing customers improves access to services and capital as well as
management of risk and more.

ACT NOW TO AVOID BEING LEFT BEHIND

Open Banking is already transforming payments in Europe and beyond. The number
of Open Banking users worldwide is expected to grow at an average annual rate of
nearly 50% between 2020 and 2024, according to Statista.

Correctly deployed, Open Banking can help future-proof your business. Whether
that’s gaining competitive differentiation, increasing revenue, cutting costs
among other strategic objectives.

Working with the right partner allows you to offer a white labelled Open Banking
solution. This saves you time, cost and resource in developing and maintaining a
current, compliant solution. Most importantly though, it allows you to focus on
building compelling propositions, tailored to particular use cases, customer
segments and popular payment corridors.

Contact us at sales@inpay.com to find out how we could help you accelerate your
business growth with Open Banking payments.


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OPPORTUNITIES AND THREATS: THE IMPACT OF OPEN BANKING 

Mon 29 April 2024

On the face of it, regulatory and technical frameworks may not sound very
exciting. And payment infrastructure perhaps even less so. But what if we were
to talk about better bank payments, more joined-up money and personalized
services?

Read more about Opportunities and threats: the impact of Open Banking 


10 NGO PAYMENT CHALLENGES, CAUSES AND POSSIBLE CURES

Tue 2 April 2024

We examine the ten biggest payment pain points for NGOs and suggest possible
cures. Diagnosing payment problems and understanding the causes can help NGOs
seek the right treatment and potential cures.

Read more about 10 NGO payment challenges, causes and possible cures


HOW NGOS CAN CRACK THE INTERNATIONAL PAYMENT CODE

Mon 25 March 2024

Trying to navigate the maze of requirements to send funds abroad can seem like
Mission Impossible for NGOs. Know-your-customer (KYC) and anti-money laundering
(AML) checks differ from country to country. As do sanctions regimes and
documentation requirements.

Read more about How NGOs can crack the international payment code

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