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Mastering Open Banking: a strategic guide for banking executives

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Lean from our journey

Explore the future of lending

Updated 13.02.2024

This past decade, we have witnessed firsthand the remarkable journey of Open Banking, evolving from an early-stage technology to a cornerstone of modern lending, not just for us at Younited but for lenders globally.

This white paper is a detailed exploration of our 6-year journey leveraging Open Banking at Younited, offering insights and strategies relevant to any lender eager to better leverage Open Banking, whether to refine their existing loan processes or to develop a new framework for instant credit.

This guide traces Younited’s journey from its inception in 2011 to becoming a pioneer in Open Banking for lending by 2018. Now in 2024, our focus on building a unique Open Banking platform has led to instant credit representing 60% of our annual loan origination across Europe.

Our mission is to promote financial wellbeing by making credit and financial services more inclusive, transparent, and simple. This guide offers insights into seven key pillars and will help you navigate the evolving landscape of Open Banking in lending.

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