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Open Finance Strategy & FiDA Readiness Consulting

Prepare your financial products, data strategy and partner ecosystem for the next stage of financial data sharing. z3x helps banks, financial institutions, FinTech companies and technology providers explore Open Finance opportunities, assess the implications of the EU Financial Data Access (FiDA) initiative and develop practical strategies that can adapt as the regulatory framework evolves.

Discuss your Open Finance strategy

What We Offer in terms of Open Finance Strategy & FiDA Readiness Consulting

Open Finance Strategy & Business Opportunities

We help organizations evaluate how broader access to financial information could create new products, revenue models and customer experiences. Our work includes use-case discovery, market positioning, commercial feasibility, customer journeys, partner ecosystems and the relationship between existing Open Banking services and potential future Open Finance models.

FiDA Regulatory Impact & Readiness Assessment

We help businesses understand the current FiDA legislative proposal, identify potentially relevant activities and assess how different regulatory outcomes could affect their operations. We examine the proposed framework from business, product, data, technology and operational perspectives, while clearly distinguishing established requirements from provisions that remain subject to legislative change.

Financial Data Architecture & Governance

We support the planning of data access and sharing models, including API architecture, data catalogues, information quality, permission management, security controls, governance responsibilities and interoperability considerations. Our objective is to help clients prepare adaptable technical and operational foundations without prematurely committing to requirements that are not yet final.

Partner Models & Implementation Roadmaps

We help financial institutions and technology businesses evaluate potential roles within future data-sharing ecosystems, identify relevant partners and translate strategic scenarios into actionable preparation plans. These may involve capability assessments, operational gap analysis, proof-of-concept planning, vendor selection and staged investment decisions.

Open Finance Strategy & FiDA Readiness Consulting

How We Work?

1

Assess the Organization's Current Position

We start by understanding the company's business model, financial products, existing data assets, integrations, customer journeys, partners and governance arrangements. We identify where Open Finance may be relevant and which assumptions require further validation.

2

Analyze Regulatory Scenarios & Business Impact

We examine the current legislative materials and distinguish confirmed law from proposed obligations. We assess potential implications for products, data access, governance, operating models and partners under reasonable implementation scenarios.

3

Design the Target Capabilities & Roadmap

We identify the business and technical capabilities worth developing, including data quality, API architecture, access management, customer permissions and partner integration. We structure a phased roadmap that balances preparation with regulatory uncertainty and avoids unnecessary early investment.

4

Support Preparation & Future Adaptation

We help coordinate early implementation activities, technical discovery, governance improvements, partner discussions and selected pilot concepts. As the legal framework becomes clearer, we can support adjustments to the roadmap and preparation for relevant implementation requirements.

Trusted across the financial services industry

Open Finance Strategy & FiDA Readiness Consulting

Open Finance creates strategic opportunities beyond today's Open Banking

Traditional Open Banking use cases focus strongly on payments and access to payment-account information. Open Finance considers broader models of customer-permissioned financial information sharing, with possible applications across additional financial products and services. For companies, the challenge is to identify commercially valuable opportunities while understanding the constraints of data availability, governance, customer trust and evolving regulation.

Discuss your Open Finance strategy
Open Finance Strategy & FiDA Readiness Consulting

FiDA readiness should be based on scenarios, not assumptions presented as law

The EU Financial Data Access initiative is intended to establish a framework for sharing certain categories of financial information. Its final legal requirements, scope and implementation arrangements depend on the legislative process. We help organizations assess the proposal, understand plausible business implications and identify preparatory work that creates value even if regulatory details change. Readiness is a structured preparation process, not a claim of compliance with legislation that has not yet been finalized.

What Our Clients Say

The z3x team demonstrated a high level of professionalism and an excellent understanding of the specifics of the FinTech and e-commerce market. The audit, detailed analysis of the competitive environment, and local customer expectations provided us with valuable data that really supported the decision-making process and planning for the launch of new services. We appreciate the strategic approach, timeliness, and quality of the materials prepared. The cooperation went smoothly and fully met our expectations.

Working with the z3x team on auditing our processes proved to be very valuable. We received a detailed analysis of existing solutions, reliable research, and specific recommendations for changes and improvements. The team demonstrated extensive knowledge of the industry and the ability to combine business and technological perspectives. The entire process ran smoothly, and the materials prepared provided a solid basis for further optimization activities.

Collaboration with Z3X Tech-Care Group helped us structure and redesign selected processes within our digital environment. Through targeted automation and operational flow optimization, we achieved improved operational efficiency and enhanced customer conversion performance.

Z3X are experts who advised us on chatbots, automation, and integrations. Thanks to their support, we eliminated many manual processes, accelerated company processes, and gained ready-to-use solutions. With their expert knowledge in AI and automation, the team led by Jakub Smeda and Karol Zielinski is highly recommended to all managers who need competent technology consulting.

Collaborating on the implementation of the debt collection game (memo) was an interesting and inspiring project for us. The solution stood out for its unconventional approach to customer communication, effectively increasing response rates in the initial phase of the campaign and demonstrating the potential of modern tools in the field of collections. We particularly appreciate the team’s flexibility and openness to tailoring the solution to our needs. The project served as a valuable complement to our standard strategies and provided us with many valuable insights that we are using to further develop our processes.

The z3x team provided comprehensive support throughout the design and development process of our new mobile application - from the initial concept, through product strategy development, to the final implementation. The collaboration covered both the technological and business aspects, with every stage carried out with great attention to detail and quality. The team demonstrated an excellent understanding of our needs, high flexibility, and the ability to efficiently address emerging challenges. The implementation of payments was just one of many well-executed components in this complex project.

Collaboration with Z3X Tech-Care Group helped us structure and clarify the direction of our next steps in preparing the organization to work with AI.

Frequently asked questions

FiDA refers to the European Union's Financial Data Access legislative initiative, which proposes a framework for the sharing of certain financial customer data. Its detailed obligations, scope and implementation arrangements are subject to the final legislative outcome.

A company can assess potential impacts and prepare relevant capabilities, but it should not claim compliance with requirements that are still being finalized. We focus on gap analysis, scenario planning, data governance and adaptable implementation roadmaps.

No. Depending on the eventual legal framework and business model, Open Finance may be relevant to a broader ecosystem of financial institutions, financial technology providers and businesses developing data-enabled financial products. The applicability of specific obligations must be assessed individually.

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