CoP Migration in Under Two Weeks: The Zopa Bank Story
Two years ago, obconnect was lucky enough to begin working with Zopa Bank. They’d come to obconnect to migrate away from their existing Confirmation of Payee provider. The reasons were their own. But we knew they needed an expedited delivery. What mattered was the brief: move them onto obconnect’s CoP, cleanly and quickly, without drama. […]
obconnect, Raidiam & PayPoint: UK Energy Data Consent
Some partnerships are engineered. The best ones tend to grow. A few years ago now, we started working with the team at Raidiam. This was well before our New Zealand chapter. Raidiam were making their first moves into South America, and obconnect happened to be able to assist them in a few areas. We lent […]
The Hidden Cost of Payment Failures: Why Reliability is a Revenue Issue
Payment failures are often viewed as a technical issue. A temporary glitch. A connectivity problem. Something for the engineering team to resolve behind the scenes. But for businesses – particularly those operating at scale – payment failures are something far more significant. They are a revenue issue. Because every failed transaction represents more than a […]
The Rise of Account-to-Account (A2A) Payments: What UK Businesses Need to Know in 2026
For years, account-to-account (A2A) payments have been discussed as the next evolution in how money moves. Efficient. Direct. Cost-effective. Yet for a long time, they remained just outside the mainstream – widely understood within the industry, but not fully embedded in everyday business operations. That is beginning to change. As we move through 2026, A2A […]
Building Societies and Open Banking: Unlocking Growth Without Losing Identity
In a financial landscape often dominated by large banks and fast-moving fintechs, building societies occupy a unique and important position. They are not just financial institutions.They are communities. Rooted in mutual ownership and built on long-standing member relationships, building societies operate with a fundamentally different purpose – one that prioritises trust, stability, and long-term value […]
Payment Certainty in Open Banking: Closing the Trust Gap for UK Merchants
Open Banking has made significant progress in the UK. The technology is robust. The regulatory framework is established. The benefits – from cost reduction to enhanced security – are well understood. Yet despite all of this, one fundamental question continues to hold back widespread merchant adoption: Can merchants truly trust that they will get paid? […]
The Infrastructure Imperative: Why Open Banking Success Demands Always-On Architecture
Open Banking has reached a pivotal moment. The conversation has moved beyond what it is and why it matters. Today, the focus is shifting towards something far more fundamental – and often overlooked: Can the infrastructure truly support it at scale? Because while Open Banking promises faster payments, lower costs, and greater control, none of […]
Can 2026 Be a Breakout Year for Pay by Bank in the UK?
For years, Pay by Bank has been “on the brink”. Talk to anyone in payments and you will hear the same sentiment. The technology is there. The benefits are obvious. The infrastructure works. And yet, it has consistently sat just outside the mainstream – promising, but not quite familiar behaviour. That may finally be about […]
From Compliance to Competitive Advantage: Lessons from Building Open Banking at Scale
Simon Lyons of obconnect talks to Andy Warren. Andy spent many years as the CTO of Open Banking at a top six bank. Here he expands on the tech side of the open banking world we rarely hear about. How to scale bank compliance software so that millions of people can use it every day. […]
Is Open Banking a Hygiene Factor? Why UK Banks Must Act Now
