open banking API standards 2025
Are you in the answers when your customers ask AI?
Enter your prompt and find out which brands dominate AI search results.
AI Search Engine Responses
Compare how different AI search engines respond to this query
ChatGPT
BRAND (10)
SUMMARY
Focuses primarily on U.S. regulatory developments, particularly the CFPB's July 2025 announcement to replace existing open banking regulations with a substantially revised version under an accelerated timeline. Mentions the policy shift following banking groups' lawsuit challenges and emphasizes the regulatory uncertainty in the American market.
REFERENCES (7)
Perplexity
BRAND (10)
SUMMARY
Provides a comprehensive global overview of open banking API standards, highlighting key frameworks like FAPI as the global security benchmark and FDX's official recognition by CFPB. Emphasizes the evolution toward increased interoperability, stronger security protocols, and broader adoption across financial services with specific mention of 94 million consumer accounts supported.
REFERENCES (7)
Google AIO
BRAND (10)
SUMMARY
Offers an educational perspective on the evolution of open banking API standards, highlighting the adoption of frameworks like FDX in the U.S. and NextGenPSD2 in Europe. Emphasizes key trends including enhanced security through stronger authentication, improved consent management, and the strategic shift from technical tools to innovation pillars.
REFERENCES (9)
Strategic Insights & Recommendations
Dominant Brand
FDX (Financial Data Exchange) emerges as the most prominently featured standard, particularly in the U.S. market with official CFPB recognition.
Platform Gap
ChatGPT focuses heavily on U.S. regulatory changes, while Perplexity provides global technical standards coverage and Google AIO emphasizes strategic trends and security evolution.
Link Opportunity
All platforms provide substantial external references (7-9 links each), indicating strong opportunities for authoritative source linking in open banking content.
Key Takeaways for This Prompt
Open banking API standards are experiencing significant regulatory shifts in 2025, particularly in the U.S. market.
Security and authentication improvements are driving the evolution from screen scraping to more robust API-based solutions.
Global frameworks like FAPI and regional standards like FDX are gaining official recognition and widespread adoption.
The industry is transitioning from viewing APIs as technical tools to strategic enablers of financial innovation.
Share Report
Share this AI visibility analysis report with others through social media