{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Payment Expert Podcast","title":"Open Banking's Biggest Problem: The FCA Has a Plan | Ep. 15","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/f6979966\"></iframe>","width":"100%","height":180,"duration":1277,"description":"Open banking has a problem and the FCA finally has the statutory powers to fix it. \nWe sit down with Andrew Self, Head of Open Banking & Finance at the Financial Conduct Authority, to find out what the new regulatory framework actually means for the UK's open finance future.\nFrom variable recurring payments to the 2028–2030 Open Finance roadmap, Andrew breaks down the real obstacles, commercial models, consumer trust, data access and how the FCA plans to solve them.\n🎙️ IN THIS EPISODE:\nIntro: Why open banking is at a crossroads\nThe FCA's new statutory powers explained\nWhy the commercial model has failed so far\nVariable recurring payments (VRP) — the game changer?\nReliability & error messaging: the industry's weak spot\nOpen Finance vision: mortgages, SMEs, and pensions\nThe PRISM framework: how the FCA prioritises use cases\nWhat needs to happen before 2028\n🔔 Subscribe for weekly payments, fintech, and financial services news.\n#OpenBanking #OpenFinance #FCA #Fintech #UKPayments","thumbnail_url":"https://img.transistorcdn.com/x2AisWu-O0-jJGBjbb6bp8_EKOIbCdh06yuEKJ5YS6Y/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9mOGQ4/MGQ1ZjhhNGRjYWY0/NzI0Nzc4NTRmNjU5/MDNlNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}