Knowledge Center
Ideas, news, insights and practical guidance on Open Banking, Open Data and a more open financial future.
Featured Guides
What is Open Data?
Open Data builds on Open Banking, expanding secure, permissioned data sharing into a broader ecosystem where organizations can exchange data, connect services and create new experiences, including those enabled by AI and agentic technologies.
Consent Management in Open Data
Making data technically available is only part of the challenge. This guide explains how consent management gives people real transparency and control in Canada’s Open Data ecosystem, from meaningful consent and FDX standards to progressive consent, withdrawal and AI agents acting on a customer’s behalf.
A Guide to Embedded Finance
Embedded finance brings financial services closer to the moments they are needed. Explore how Open Data can take this further, enabling organizations to provide and consume both data and services across connected ecosystems — and how agentic AI could shape what comes next.
Our latest news
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Cyder and Caspian Team Up to Turn Connected Data into Member Rewards
Cyder, the fintech redefining loyalty for credit unions, today announced it is integrating with Caspian One Open Data, the FDX-compliant open data platform built for Canadian credit unions.
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VeriPark Partners with Caspian to Power Omni-Channel Digital Experiences with Open Data Capabilities.
VeriPark, a global leader in digital banking and customer experience solutions, today announced a strategic partnership with Caspian One Open Data, a pioneer in open data infrastructure and open banking acceleration.
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Caspian One Open Data & Collabria Partner to Simplify Data Integration for Credit Unions.
Caspian One Open Data has entered into a strategic partnership with Collabria, establishing a new, more streamlined approach to how credit unions can access and integrate credit card data within their digital environments.
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Open Banking News
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Canada's Open Banking Framework Is Here. Credit Unions, This One's for You.
Are credit unions mandated to participate in Canada’s consumer-driven banking framework?No. Under the proposed framework, participation is mandatory for designated large banks, but credit unions can choose to opt in. To participate, they must become accredited and comply with the framework’s technical, security and governance requirements.
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Canada Can Learn From the UK’s Pay by Bank Experiment
Canada’s open banking framework is approaching, but adoption will depend on more than regulation. The UK’s “Pay by Bank” journey shows how terminology, consumer understanding, and real-world use cases can shape behaviour.
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From Data Portability to Platform Advantage: A Response to the Competition Bureau Canada’s Report
The Competition Bureau of Canada’s report on data portability positions switching and consumer savings as the primary outcomes, particularly in insurance. This article explores why that framing is only the beginning, and how, when treated as platform infrastructure, data portability can unlock ecosystem participation, operational efficiency, and new value creation across financial services and beyond.
Embedded Finance Perspectives
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From Pipelines to Platforms: Why Financial Services Must Rethink How They Create Value
For decades, banks and credit unions have operated as linear pipelines. But as behaviour shifts into platform ecosystems, value creation is moving from chains to networks.
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From Cash, to Card, to Code: money follows people
Money itself is a story of convenience and people don’t stay loyal to ‘channels’, they think about getting things done, and throughout financial history that means showing up where life happens.
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Emma's Seamless Freshman Start: The Zero-Friction Acquisition Strategy That Secured a Lifetime Customer.
The future of Credit Union member acquisition is invisible and effortless. By adopting Embedded Finance and leveraging Open Data to establish FDX-compliant partnerships, CUs can move from reactive selling to proactive, seamless service—a world where the next generation walks in with their coffee, not their paperwork.
