1. By guiding organizations in their connectivity,
we contribute to a world where the user controls his
data in full autonomy.

2. Exthand is an independent open banking aggregator,
providing the most secure
white label product
on the market.
Thank you Digiteal for supporting us and allowing us
to operate as an agent.
Sponsored by their customers, Exthand started the
process of getting licenses in several regions:
BE/EU, United Kingdom and Israel.
And more to come in 2024.
Disclaimer.
Who History MX BR AU EU/OF Why?

3. In the EU, we built PSD1 years and years ago.
Then came the screen scraping as there was a need for
the product.
And as we know, after a product need comes a
regulatory need.
No criticism, they were in a virgin land.
We decided for a name,
we decided for features,
but where is the consumer?
(19M 2021 to 68M 2024 15%).
Who History MX BR AU EU/OF Why?

4. In Mexico, people sat down and took their inspiration from
UK/EU.
2018, they published the Fintech Law assessing Open Banking,
payment initiations and crypto.
- Open data of regulated entities.
- Aggregated data (statistical information about transactions).
- 2020: Transaction sensitive data (accounts, investments, cards,
loans)
Bidirectional mechanism: Fintechs have to participate and
share their data.
They improved.
Who History MX BR AU EU/OF Why?

5. In Brazil, people sat down and took their
inspiration from UK/EU.
Defined data scheme and interface.
2021 Q1, phase 1 (open data of regulated entities)
2021 Q4, phase 4 which is Open Finance, giving
access to data about mortgages, pensions,
insurances,credits, savings, investments
products, foreign exchange, etc.
They improved.
Who History MX BR AU EU/OF Why?

6. In Australia, people sat down and took their
inspiration from UK/EU.
While not supporting initiation of actions (PIS
alike), they enlarged the scope to Consumer Data
Rights.
CDR allows data sharing and data portability in
finance but also insurance, energy (11/22), telecom
(01/23) sectors.
This led to cross-sector apps, mixing data from
energy and finance, or finance and telecom, etc.
Their next move is already planned, it’s close to a
“whatever-sector open data” plan.
They improved.
Who History MX BR AU EU/OF Why?

7. It’s our turn to sit down, be inspired and ambitious.
PSD2 is behind us, it will stay as it is.
Open Finance is about getting access to more data in
a structured way, in the financial sector.
It’s the right time to have a deep understanding of
what’s happening worldwide.
Countries like Australia and Brazil already
implemented Open Finance frameworks and are on the
next step.
Who History MX BR AU EU/OF Why?

8. Why do we do all of this? Sense? Purpose?
It’s not about creating new services.
It’s about putting the consumer back in control of his data. That should be
the root reason.
Maybe we have to invert the paradigm. Think in terms of consumer sharing their
data instead of companies sharing “their” data.
Let’s be inspired by Australia and have an understandable name.
(forget gdpr, psd2, open banking or open finance)
If we are ambitious and if the consumer gets the “Why”,
adoption rate will rise and so will new services.
Who History MX BR AU EU/OF Why?

9. By guiding organizations in their connectivity,
we contribute to a world where the user controls his
data in full autonomy.