Wire · operational-macro
From Instant to Confident Decisions: How Open Banking Is Reshaping Lending
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Fusion42 · 25 September 2026 · Fusion42 review
The revised Consumer Credit Directive 2 (CCD2) in Europe pushes lenders to adopt Open Banking data access for more accurate creditworthiness assessment, combining speed and responsibility in lending decisions. Enhanced transaction data analytics and transparency improve lending accuracy and consumer trust, shifting focus from past credit history to real-time financial resilience.
This Wire brief sits within Fusion42's coverage of Fintech.
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Lenders face new rules that demand you prove credit risk with real financial data, not just credit scores. You need to build fast, transparent data tools that show not only if a customer was good in the past but if they can handle credit today.
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1 source · 25 Sep 2026
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