Open Banking Working Group

Background and mission

In 2013, the EBA launched the Electronic Alternative Payments Working Group (e-APWG), which focused on electronic alternative payments innovations in the consumer and retail e-commerce space.

Subsequent analysis shifted to delivering a framework for improving interaction between payments services operating in different service layers. The result was a conceptual framework called Digital Customer Services Interface (DCSI), which bridges the gap between electronic alternative payments methods offered in the services layer and the traditional payment systems operating in the infrastructure layer. 

From there, the working group’s focus moved to the strategic implications of using Open Application Programming Interfaces (APIs) in the open banking context. In 2016, the working group was renamed Open Banking Working Group to better reflect its research focus. The working group has published several papers dealing with various aspects of open banking, zooming in to data opportunities in particular.

 For more information on the Open Banking Working Group, please click here: Terms of Reference.


May 2022: "Open Banking for SMEs – Enhancing financial services for the backbone of Europe’s economy"

Fact Sheet 

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June 2021: "Ready or not? Gearing the bank operating model towards digital and Open Banking readiness"

Fact Sheet 

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July 2020: "Digital trust and the banking sector: towards a trust advantage in the digital economy"

Management Summary

Fact Sheet

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June 2019: "Artificial Intelligence in the era of Open Banking"


On B2B data sharing


On Open Application Programming Interfaces (APIs)


On the Digital Customer Service Interface (DCSI)


On electronic alternative payments



Referring to insight from the Open Banking Working Group, Thomas Egner, Secretary General of the EBA and Markus Rupprecht, CEO of Traxpay, discuss how banks can leverage the power of information.


Explaining Open Banking: Essential Elements and Benefits

Explaining the Digital Customer Services Interface