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Factual, objective comparisons of open banking regulations and technical approaches. Understand the differences between CDR, PSD2, UK Open Banking, Section 1033, and implementation methods.
Compare open banking regulations across jurisdictions: CDR, PSD2, UK Open Banking, Section 1033.
Regulatory Comparisons
Australia's Consumer Data Right (CDR) and the UK's Open Banking framework are two of the world's most advanced open banking implementations. While both enable consumers to share their financial data with third parties, they differ significantly in scope, governance, technical implementation, and regulatory approach. This comparison examines both frameworks across key dimensions.
Regulatory Comparisons
Australia's Consumer Data Right (CDR) and Europe's Payment Services Directive 2 (PSD2) represent two different regulatory approaches to open banking. PSD2, implemented across the European Union, focuses on payment services and competition in financial services. CDR, Australia's economy-wide framework, takes a broader data portability approach. This comparison examines both frameworks across regulatory, technical, and implementation dimensions.
Regulatory Comparisons
Australia's Consumer Data Right (CDR) and the United States' Section 1033 (CFPB final rule) represent two distinct approaches to consumer financial data access. While both enable consumers to share their data with third parties, they differ significantly in regulatory philosophy, technical prescriptiveness, and implementation approach. This comparison examines both frameworks to help organisations understand compliance requirements in each jurisdiction.
Compare technical approaches: APIs vs screen scraping, FAPI versions, authentication methods.
Compare Fiskil's products: Banking API vs Energy API capabilities and use cases.
Product Comparisons
When building with Fiskil's Banking API, you have access to multiple data types for different use cases. Two commonly compared approaches are deriving income insights from transaction data versus accessing categorised transaction histories. This comparison helps you understand how each data type works and when to use them.
Product Comparisons
Open banking APIs provide access to the same underlying consumer data—accounts, transactions, and balances—but lending and personal finance applications use this data in fundamentally different ways. Lending products need point-in-time verification and risk assessment. Personal finance products need ongoing access for continuous insights. This comparison helps you understand which data access patterns, consent configurations, and API capabilities you need based on your use case.
Our team of open banking experts can help you navigate regulatory requirements across CDR, PSD2, Section 1033, and other frameworks.
Products
© Fiskil 2026. All rights reserved.