Wire · opportunities
Open Banking didn't have an adoption problem. It had an arrival problem.
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Fusion42 · 13 September 2026 · Fusion42 review
The article argues that Open Banking's adoption issues stem not from consumer trust but from the merchant side, where payment processing lacks clear identification of payers and reliable confirmation of funds arrival, causing reconciliation costs and working capital risks.
This Wire brief sits within Fusion42's coverage of Fintech.
◆ ◆ The Wire takeaway
Payments founders need to focus on building payment accounts that identify payers at deposit and confirm funds arrival to merchants, not just better software layers. The real opportunity lies in redesigning the account experience to reduce merchant risk and reconciliation costs.
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1 source · 13 Sep 2026
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