How Fintechs Use Real-Time Open Banking Data for Dynamic Credit Card Limits

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies · Jul 12, 2026 · 10m · transcript

In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using real-time open banking data to dynamically adjust credit card limits. They focus on the case of Petal, which uses transaction data from users' primary bank accounts to set and update credit limits in real time. The hosts discuss how this approach reduces risk for issuers, increases access for consumers with thin credit files, and raises questions about privacy and data portability. They also touch on the regulatory environment in the US and UK, and how open banking standards enable these…