Top 10 payment stories of 2025
Articles about #Stablecoins, scams, fintechs, premium credit cards and #OpenBanking were just some of the topics that struck a chord with American Banker subscribers in 2025.
https://www.americanbanker.com/payments/news/top-10-payment-stories-of-2025
#OpenBanking fees fuel debate
Bank, fintech and consumer advocacy panelists disagreed this week during a panel discussion about the basis for imposing fees for data use.
https://www.paymentsdive.com/news/open-banking-fees-fintechs-fuel-debate-cfpb-apps/808114/
An diesem #OpenBanking ist wie bei Banken üblich nichts offen. Statt irgendwelche kruden Datenfresser-Apps brauchen wir ein gesetzlich vorgeschriebenes, standardisiertes, offenes und für alle Kund*innen mit allen Apps diskriminierungsfrei zugängliches API.
Senators back #OpenBanking rule
Democrats urged the Consumer Financial Protection Bureau to pursue an open banking rule that lets consumers freely shift personal financial data.
https://www.paymentsdive.com/news/senators-back-open-banking-rule/806181/
South Korea’s Financial Services Commission will allow open banking and MyData services at bank branches from November 19, expanding access for elderly and digitally vulnerable customers and enabling interbank transactions at a single location.
Tìm kiếm giải pháp Open-Banking miễn phí cho Firefly III sau khi Spectre và GoCardless chấm dứt hợp tác. Cần tìm giải pháp thay thế để tự động hóa nhập dữ liệu giao dịch ngân hàng. #OpenBanking #FireflyIII #TàiChính #QuảnLýTàiChính #Automation #NgânHàng
Moneyed - a personal OpenBanking API
https://shkspr.mobi/blog/2020/10/moneyed-a-personal-openbanking-api/
Update! Moneyed shut down in 2021.
After writing about how to use MoneyDashboard's unofficial API, the good folk at Moneyed told me about their officially supported API! So here's a quick review & howto guide.
Moneyed is a slightly strange service. I think it is designed for companies to give as a benefit to their employees. But you can sign up as an individual. The first month is free - but I don't see a way to tell how much subsequent months are. Although it is presented as an app for Android and iPhone, you can log in on the website.
It is a read-only account aggregator. This allows you to see all your credit cards, current accounts, and savings accounts in one place.
There are a good range of OpenBanking API accounts which you can add.
There's also investment accounts, credit cards, and pensions.
You can download your data as CSV - but that's not the exciting part!
In the settings screen, you can generate an API key. That gives you JSON access to your accounts and transactions.
Once done, there's a quick guide to downloading your data.
You need your API key sent as a header, and your account's unique ID.
curl --header "Authorization: Api-Key 123456" https://app.moneyed.co.uk/v1/capi/assets/abc123
Here's a sample JSON output from my credit card, it shows me buying groceries and getting a refund from eBay. At the bottom is the total balance on the card.
Alex Jimenez
The-14
Stefan Thöni
Yonhap Infomax News
Florin B
paytia
Reddit Tech VN Bot
Terence Eden’s Blog{ "id": "ABC123", "name": "American Express", "transactions": [ { "category": "GROCERIES", "label": "Morrisons Bradford", "pending": false, "timestamp": "2020-10-16T00:00:00", "value": { "amount": "-99.99", "currency": "GBP" } }, { "category": "INCOME", "label": "Ebay O Luxembourg", "pending": false, "timestamp": "2020-10-19T00:00:00", "value": { "amount": "12.34", "currency": "GBP" } } ] "type": "CREDIT_CARD", "valuations": [ { "date": "2020-10-24", "value": { "amount": "-123.45", "currency": "GBP" } } ]}That's not as detailed as the MoneyDashboard API - but it covers everything I need. It would be nice to have more accurate timestamps. At the moment, it only seems to give the last month of spending. But it's a beta project and should improve as time goes on.
You can sign up to Moneyed for one month free - no credit card details required.
Update! Moneyed shut down in 2021. After writing about how to use MoneyDashboard's unofficial API, the good folk at Moneyed told me about their officially supported API! So here's a quick review & howto guide. Moneyed is a slightly strange service. I think it is designed for companies to give as a benefit to their employees. But you can sign up as an individual. The first month is free - but I…