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Open Banking Risk and Compliance: Governance, Controls, Data Protection, Third-Party Risk, Fraud Prevention, Regulatory Compliance, and Board Accounta
Paperback
AccountingBusiness GeneralInvesting & Finance
Publisher: Independently Published
Published: Jul 4 2026
Pages: 256
Weight: 0.76
Height: 0.54 Width: 6.00 Depth: 9.00
Language: English
Open Banking Risk and Compliance is a professional guide for bankers, fintech leaders, payment institutions, compliance officers, auditors, risk managers, board members, regulators, consultants, and financial services students who need a clear framework for governing API-based financial services.
Open banking has changed the way financial data moves. Banks no longer control every stage of the customer journey. Payment institutions, fintech firms, aggregators, merchants, identity providers, cloud platforms, and technical service providers now shape data access, payment initiation, customer consent, fraud exposure, and operational resilience. The result is a connected financial ecosystem with new value and new risk.
This book explains how firms should manage open banking risk through governance, data protection, cybersecurity, fraud prevention, third-party oversight, AML controls, complaint handling, regulatory reporting, and board accountability. It treats open banking as a regulated operating model, not a narrow technology project.
Readers will learn how to assess open banking business models, API ecosystems, data-sharing arrangements, regulatory objectives, customer consent, Strong Customer Authentication, revocation rights, data minimisation, privacy risk, API security, encryption, token management, cyber threats, account takeover, social engineering, operational resilience, incident response, business continuity, disaster recovery, and service availability.
The book also covers third-party due diligence, vendor oversight, service-level agreements, audit rights, subcontracting risk, cloud dependence, sanctions screening, transaction monitoring, mule accounts, suspicious activity reporting, customer complaints, liability allocation, refunds, conduct risk, compliance testing, internal audit evidence, breach notification, and regulatory reporting.
Practical case studies examine payment initiation fraud, consent failure, API outage, data leakage, and third-party collapse. The implementation roadmap explains how to move from strategy and legal review to technical build, testing, launch controls, post-launch monitoring, KRIs, risk registers, control mapping, exception reporting, reconciliation, and evidence collection.
The final chapter addresses the future of open finance, digital identity, embedded finance, AI-based compliance, and continuous risk monitoring.
Open Banking Risk and Compliance gives professionals a structured reference for designing safer digital finance services, testing controls, managing providers, protecting customers, and preparing for supervisory scrutiny in a fast-changing financial services environment.
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