Blog
Thoughts on the future of Open Data, from the people and teams creating it.
Understanding the U.S. Open Banking Landscape: What Regulations Apply?
Open banking is gaining global traction, but what does it actually look like in the U.S.? Spoiler: it’s not what you might expect. While Section 1033 of the Dodd-Frank Act sets the foundation, the U.S. still lacks a cohesive regulatory framework. Here’s what’s in place, what’s missing, and how Fiskil is navigating the landscape.
Fiskil
21 Apr 2025 4 min read
9 Questions That Separate Data-First Companies from Data-Complicated Ones
If you're swimming in data but still stuck in silos, it's time for a new kind of question.
Coco Armstrong
14 Apr 2025 4 min read
MFA and the End of Screen Scraping: What Consumer Finance Apps Need to Know
Commbank just made a quiet change with massive implications. Here's how it could impact your app, and how to move forward.
Coco Armstrong
10 Apr 2025 4 min read
10 Ways Open Banking is Fighting Fraud in Financial Services
In an industry built on trust, the stakes are high. Every breach, phishing attack, or unauthorised transaction chips away at consumer confidence. But amid this challenge, open banking is emerging as a powerful defence. Let’s break down how.
Fiskil
07 Apr 2025 5 min read
Top 7 Challenges Energy Retailers Face with CDR — And How to Solve Them
If you're an energy retailer in Australia, you've probably felt the pressure of the Consumer Data Right (CDR) rollout. From regulatory checklists and legacy system headaches to cross-team coordination, CDR is proving to be one of the most significant technical and operational shifts in the industry. It’s easy to view it as a compliance hurdle. But the smart players know it’s also a chance to future-proof how data is managed, governed, and used to create better customer experiences. Let’s break down the seven most common challenges energy retailers are facing with CDR and some smart, scalable ways to solve them.
Fiskil
04 Apr 2025 5 min read
How U.S. Open Banking Compares to the Rest of the World
As open banking accelerates globally, one thing is clear: no two countries are taking the same path. Despite being a global fintech hub, the U.S. remains an outlier in the open banking movement. In this post, we break down how the U.S. approach compares with other leading jurisdictions - including Australia, the U.K., the European Union, and Singapore - and what this means for the future of open finance.
Fiskil
01 Apr 2025 3 min read
NZ’s Open Banking Framework Becomes Law
On Tuesday, New Zealand’s Customer and Product Data (CPD) Bill passed its third reading in Parliament, marking a pivotal moment for consumers and businesses alike. The motion was brought by Hon. Scott Simpson, Minister of Commerce and Consumer Affairs, the legislation lays the foundation for a secure, consumer-directed data-sharing framework, ushering in a long-awaited era of innovation and trust.
Coco Armstrong
26 Mar 2025 3 min read
When Does an Energy Retailer Become a Larger Retailer under Australia's Consumer Data Right?
As an energy retailer in Australia, you might have heard about the term “larger retailer” in the context of the Consumer Data Right (CDR). This blog will break down what it means and when your business may need to take on new CDR responsibilities as a data holder.
Fiskil
24 Mar 2025 3 min read
CDR Action Initiation Explained: Transforming Banking, Payments, and Energy
Under Australia’s Consumer Data Right (CDR), action initiation is a major next step. While the original CDR framework focused on data sharing, action initiation extends the capability to do things on behalf of a consumer, not just view their data.
Fiskil
24 Mar 2025 3 min read
The CDR Roadmap for Non-Bank Lenders: What You Need to Do Before 2026
With just over a year to go, now is the time to get ahead. Here’s your roadmap to compliance, and how to turn it into a competitive advantage.
Coco Armstrong
13 Mar 2025 3 min read