Open finance is reshaping the industry — and faster than expected. In partnership with Financial Times Longitude, Mastercard surveyed 8000 consumers and 300 businesses across US, Europe and Australia. The global report “The State of Open Finance 2026” dives into consumers’ willingness to share their financial data and opportunities for business to better leverage this permissioned data to drive growth. This global report explores why providers that embrace open finance and permissioned data are best positioned to win.

Key report findings:

• 76% of consumers are ready to switch financial providers for better digital money‑management features
• 75% of executives report direct revenue uplift from open finance initiatives
• Companies estimate they missed out on 4.6% annual revenue due to gaps in data permissions
• 82% of consumers would share data to simplify loan and mortgage journeys

Download this full report for a deep dive on:

• The open finance capabilities shaping competitive advantage
• Where providers are winning — and where they’re losing — consumer trust
• The consent personas every leader must understand and the importance of increasing consent
• The five strategic imperatives to unlock revenue, retention and personalization