How Open Banking Is Rewiring Consumer Wallets

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies · Sep 25, 2026 · 11m · transcript

We look at the mechanics of account aggregation and why the shift from read-only data sharing to write-enabled payments is changing how consumers manage money. Using Plaid and Stripe as case studies, we examine the new liability landscape for fintechs versus traditional banks. We also explore the regulatory pushback in Europe and the US, specifically looking at how open banking mandates are forcing legacy institutions to compete on API quality rather than brand loyalty. The episode drills into a specific friction point: the consumer trust gap when third-party apps can initiate transactions…