Open banking is coming to North America and is taking shape in different ways across the continent. Whether driven by policy and regulation or market forces, the impact will be felt across the financial services sector. From catalysing the development of new providers to enabling existing institutions to keep pace with a fast-changing industry, the

Technology and the change it propels so often outpace not only the comprehension of those on the outside of its development but also a full reckoning of its impact on individuals, businesses, entire industries, institutions and broader society. Its path of creative destruction creates countless new opportunities and use cases but also raises new concerns.