17 Articles
EU flag
2024-02-21 · 10 min read
The full SPAA treatment – Tink signs up for new EU scheme

Tink has become one of the first participants of the European Payments Council’s SPAA scheme. We explain why SPAA was needed and how it could be the catalyst to transform account-to-account payments in the European Union.

Open banking
INT_Blog digital identity wallet blog image
2024-01-26 · 7 min read
How the EU digital identity wallet could change the way we pay

eIDAS 2.0 and the EU Digital Identity Wallet are coming and they have the potential to revolutionise the digital payments landscape, making transactions more secure than ever before. Find out what this means for payments, and for consumers and businesses alike.

Open banking
EU flag
2023-10-23 · 8 min read
What you need to know on rescoping Account Information Services for a future open finance framework

Following the European Commission's PSD3, PSR, and FIDA proposals, here we examine some key considerations surrounding the potential transition of account information services (AIS) from PSD3 to FIDA.

Open banking
What is pattern recognition and what is it good for?
2023-02-14 · 4 min read
What is pattern recognition and what is it good for?

What is pattern recognition in data enrichment? Learn how Tink Data Enrichment analyses recurring transactions and predicted recurring transactions to help consumers to understand their spending – and banks to improve their services.

Open banking
What’s the difference between A2A payments and PIS? In short: open banking
2022-06-22 · 7 min read
What’s the difference between A2A payments and PIS? In short: open banking

A2A payments are said to be faster, safer, cheaper than other payment methods. The term PIS, or payment initiation services, often gets thrown around in the same context. So how do they differ? In short: through open banking. 

Open banking
Open banking vs open finance – what’s the difference?
2022-02-02 · 4 min read
Open banking vs open finance – what’s the difference?

We explore the difference between open banking and open finance, as well as the possibilities that come with an open financial services landscape. Such as better-tailored financial services and improved financial health.

Open banking 101
What is a payment account according to PSD2?
2021-06-16 · 5 min read
What is a payment account according to PSD2?

What is considered a payment account under PSD2 and what isn’t? Seems like a simple question, right? But, as with most topics in the finance industry, the answer is almost always ‘well, it depends…

Open banking
Open banking glossary: the ABCs of PSD2
2021-05-12 · 7 min read
Open banking glossary: the ABCs of PSD2

Many of the acronyms used in open banking were introduced in connection with PSD2, and they can be a little confusing. This means it’s important to explain them, otherwise, people might have a hard time following you.

Open banking
What is SCA, and what is it good for?
2021-04-13 · 4 min read
What is SCA, and what is it good for?

SCA stands for Strong Customer Authentication, and it’s a regulatory requirement introduced in connection to PSD2. Here’s a basic summary of what a ‘strong’ authentication process can look like – and why it’s important.

Open banking
What is account verification, and what is it good for?
2021-01-27 · 3 min read
What is account verification, and what is it good for?

When charging or paying out customers, businesses rely on them to provide their account details. But people can make mistakes – or try to commit fraud. Thankfully, account verification can save everyone a lot of grief.

Open banking
What are open banking APIs, and what are they good for?
2020-10-30 · 2 min read
What are open banking APIs, and what are they good for?

Not sure what open banking APIs are, and getting tired of hearing about them all the time? We’re looking past the technicalities and explaining the term in plain English.

Open banking
What is multi-banking, and what is it good for?
2020-10-21 · 3 min read
What is multi-banking, and what is it good for?

Multi-banking makes it easier for people to see the full picture of all their finances by gathering all their accounts in one view. Here’s why that can make a big difference for consumers and businesses.

Open banking
What is open banking, and what is it good for?
2020-10-15 · 4 min read
What is open banking, and what is it good for?

We’re always on about how great open banking is, and how it’s ramping up innovation and competition in the financial services industry. But what is it, exactly? And why does it matter? Here’s a (very simple) rundown.

Open banking
What is payment initiation, and what is it good for?
2020-10-01 · 2 min read
What is payment initiation, and what is it good for?

Not sure what payment initiation is, what it looks like, or why you should care? We’re breaking it down into simple terms. Here’s how it works, and what advantages it brings to consumers and businesses alike.

Open banking
Data enrichment explained
2020-08-19 · 3 min read
What is data enrichment, and what is it good for?

Data is great, but it can often be made better. That’s what data enrichment is all about. Here’s what data enrichment can do for financial data in very simple terms. And why it can make all the difference.

Open banking
account aggregation explained
2020-07-29 · 4 min read
What is account aggregation, and what is it good for?

We get down to the basics of account aggregation. Find out more about what it means, and how it can be used to increase transparency for both consumers and businesses.

Open banking
PFM is great. But what is it exactly? We get down to the basics and explain the term, what it means, and what it has to offer for consumers and businesses alike.
2020-07-15 · 5 min read
What is PFM, and what is it good for?

PFM is great. But what is it exactly? We get down to the basics and explain the term, what it means, and what it has to offer for consumers and businesses alike.

Open banking