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2025 Global State of Open Finance
Open finance has transitioned from a regulatory-driven initiative to a cornerstone of global financial innovation, with over 132 million active users worldwide as of 2025.
Key developments include the rise of variable recurring payments, reducing card network reliance, AI-powered hyper-personalization, and the expansion of open finance into smart data ecosystems spanning energy, healthcare and mobility.
Central to the report is Twimbit’s Global Open Finance Maturity Index, which evaluates 32 countries, with some disrupting the financial services landscape through customer-first innovations and embedded finance ecosystems.
Download this report, to learn more about:
The growing momentum behind API-AI growth and its impact on the open finance movement.
Where your country lies on the open finance maturity index.
The ten imperatives for successful implementation of open finance and five new open finance case studies.
VIDEO: Open Banking
Banking and financial services organizations that invest properly in open banking can outmaneuver the competition while strengthening protection against complex digital attacks. F5's open banking solutions enable you to effectively deliver, manage, and secure APIs and the infrastructure used to host them regardless of cloud or architecture—while confidently navigating regulatory and compliance requirements.