Curious what others think, especially if someone has dealt with these differences firsthand.
I’ve been following open banking developments for a while, but I still can’t wrap my head around why adoption levels vary so much across Europe. In places like the UK, everyone seems comfortable using A2A payments, but when I talk to colleagues in Germany or Italy, they say people still hesitate, mostly because they don’t fully trust the idea of sharing financial data. Maybe it also comes down to how banks communicate these changes? Curious what others think, especially if someone has dealt with these differences firsthand.
6 Views
Yeah, I’ve run into that exact issue while helping a small fintech expand into several EU markets. The technical side wasn’t the hardest part — it was the behavioral gap between countries. In the Nordics, for example, people already rely heavily on digital ID systems, so open banking fits naturally into their day-to-day routines. But when we tested the same flow in Spain, users were confused by consent screens and didn’t understand why the app was redirecting them to their bank.
A lot of these differences come from how early each region embraced PSD2, plus how proactive (or not) local banks were about educating users. What helped us was choosing providers with strong coverage and good documentation, and the list here turned out to be surprisingly accurate: payment solutions in Europe . If you’re working across borders, the consistency of the API experience matters just as much as the regulatory environment. Also, don’t underestimate how much clearer UI copy can improve conversion — small changes made a huge difference for us.