Blog
Thoughts on the future of Open Data, from the people and teams creating it.
Open Banking, Twice: Why 2026 Feels Like the Second Arrival
Open banking has a funny habit of arriving twice.
Coco Armstong
03 Feb 2026 5 min read
What “Covered Products” Really Mean for Non-Bank Lenders Under CDR
A compliance guide for non-bank lenders.
Fiskil
17 Dec 2025 10 min read
Canada Joins the Global Shift Toward Regulated Data Access
On 6 November 2025, the Government of Canada finally unveiled the details of its long-awaited Consumer-Driven Banking (CDB) framework - a move years in the making that brings one of the world’s largest developed economies into the era of regulated open banking.
Coco Armstrong
09 Nov 2025 5 min read
NZ’s open banking regulations are here, marking the start of regulated data access
New Zealand has crossed the line. The Ministry of Business, Innovation and Employment (MBIE) has released the final regulations that switch on regulated open banking under the Customer and Product Data Act 2025. These regulations move Aotearoa to a mandated framework with firm dates, fee settings, and practical carve-outs - making data portability a legal right.
Coco Armstrong
22 Oct 2025 6 min read
CDR for Non-Bank Lenders: A Transformation, Not Just Compliance
July 2026 is closer than it looks. CDR will reshape how non-bank lenders publish, govern and use data, and the leaders will treat the next few months like a product launch. This guide covers the work to do before go-live, the teams to mobilise, what the project feels like in practice, and where the commercial upside sits.
Coco Armstrong
09 Oct 2025 6 min read
Open Energy and the Rise of Customer-Centric Utilities
For years, energy retailers have competed on the same dimensions: pricing, discounts, and bundled offers. But a quiet shift is underway. With the Consumer Data Right (CDR) rolling out across the energy sector, a new era of customer-centric utilities is beginning where data, not just price, drives loyalty and innovation.
Fiskil
17 Sep 2025 4 min read
What's going on with Open Banking regulation in the U.S.?
It's in the headlines every few weeks: it's finalised, it's paused, it's re-written... The CFPB’s Open Banking rule laid out a bold framework: free consumer data access, API-first standards, and tight guardrails on third-party use. Then litigation hit pause, triggering delays and a rework in progress. So how do you plan for what’s next when the rule keeps moving?
Coco Armstrong
24 Aug 2025 6 min read
10 Facts for Non-Bank Lenders with CDR Obligations
The Consumer Data Right (CDR) is about to reshape how non-bank lenders operate in Australia. If you’re a lending executive, you might be asking: *“Is this just another compliance headache or a chance to strengthen our competitive edge?”* The answer: it can be both. The CDR will bring new obligations - and new opportunities - to your business. Here are 10 facts every non-bank lender needs to know as we approach the first CDR deadlines.
Fiskil
12 Aug 2025 4 min read
Building New Incentives for Data Holders
At last week’s Consumer Data Right (CDR) Summit in Sydney, one panel asked a crucial question: What will it take for data holders, especially smaller institutions, to unlock real value from the CDR?
Coco Armstrong
24 Jul 2025 4 min read
Using CDR Data to Streamline Customer Onboarding and KYC
In digital finance, customer onboarding and Know Your Customer (KYC) processes are more than compliance checkboxes, they’re your first impression. But some workflows still require the upload of PDF bank statements... in 2025.
Fiskil
08 Jul 2025 4 min read