CaixaBank, BBVA, Bankinter and Abanca. The consent challenge The first payment initiated by an AI agent in European banking is now a reality. The question it raises is not whether the technology works —it does— but how the bank confirms, at the exact moment, that it was really its customer behind that order. A customer […]
Three years ago, talking about Open Finance in Latin America meant talking about Brazil and promises. Today it means talking about obligations, deadlines and infrastructure decisions banks can no longer postpone. According to Sensedia’s State of Open Finance Brazil and World 2026 report, cited by Infobae, more than 78 countries have adopted Open Finance regulations. […]
A bank receives an account opening request. The identity document passes validation. The biometrics match. No red flags. Weeks later, the account accumulates credit and withdraws it in full. The ID holder never knew their identity had been used. The institution discovers the customer never existed. This is not a hypothetical scenario. It is the […]
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