#Open banking

[ctcnewsca]

Ottawa's open banking bill is coming! Discover 5 ways it’ll transform your finances with secure data sharing & smarter tools.

[amairadutta]

The Future of Open Banking

Introduction

Open banking is a system where banks and financial institutions share customers’ financial data with authorized third parties. This data sharing, previously not allowed, enables the making of innovative financial services and products, such as comparison tools and personal finance management apps.

To understand this system, let us look into the essentials crucial for its working. Open Banking involves sharing data among banks, credit card providers, and Data Requestors like Fintechs, retailers, and insurers. Managing this connectivity is complex for many organizations that view data management as peripheral. AISPs aggregate and share data from various sources, reducing costs and allowing businesses to focus on core operations. Middleware and Value-Added Services monitor data exchanges, manage volumes, and reduce outage risks. Strong Customer Authentication (SCA) and multi-layered fraud controls ensure secure customer transactions. Tools like consent receipts and dashboards facilitate effective consent management in Open Banking and GDPR, ensuring transparency and trust. AI, machine learning, and data science validate income and expenses, enhancing personalized lending decisions. Using transactional data throughout a loan’s lifecycle allows proactive monitoring of financial circumstances, supporting responsible lending practices and enhancing customer trust.

Benefits of open banking

Open banking enhances customer satisfaction by decentralizing systems and enabling secure data sharing among institutions, improving convenience in tasks like bank switching and product selection. It empowers lenders with detailed consumer insights for better loan terms and supports informed financial decisions. Additionally, it drives competitive pricing, enhances product offerings, and fosters industry innovation, providing customers with comprehensive financial insights and customized tools for effective financial management.

Real-world applications of open banking  

Peer-to-peer payments :

India’s Unified Payments Interface (UPI) exemplifies Open Banking by enabling third-party payments through a centralized API, capturing nearly 80% of all digital payments in India by 2023. Similarly, Bahrain’s BenefitPay app, which uses Open Banking, saw a 73% CAGR over three years.

Account aggregation :

Platforms like Plaid aggregate financial data from multiple sources, simplifying account management and financial analysis.

Instant payments :

Innovations like GoCardless’s Inst a Bank Pay offer instant payment confirmation for bank-to-bank transactions, bypassing the traditional 2-3 day wait.

Leading Open Banking API providers

Salt Edge :

Salt Edge offers open banking API solutions to help businesses create smart services. Their universal platform eases the burden on businesses, enabling diverse use cases built on Salt Edge’s solutions.

Plaid :

Plaid provides a suite of APIs that connect fin-tech applications to users’ bank accounts, integrating Payment Initiation Services (PIS) and Account Information Services (AIS) to manage budgets, track investments, and streamline payments securely.

TrueLayer :

TrueLayer’s APIs, including AIS, Payments Initiation, and Data API, enable secure access to financial data, allowing fin-tech companies to develop applications for finance management, payments, and financial insights.

Advantages of Open Banking APIs in Indian Fin-tech

Open banking APIs enhance customer services with competitive financial products, quick and secure transactions, and broader access to diverse financial products. For Fintech companies, APIs enable rapid innovation, leverage established banks’ customer trust, and allow a specialized focus on core strengths, enriching the financial ecosystem. for banks, open banking increases efficiency, reduces costs, creates new revenue streams, and improves customer engagement and loyalty through personalized financial insights.

BHIM UPI: Integrating Open Banking with Fin-Tech Innovation

BHIM UPI, developed by NPCI, is a revolutionary platform using open APIs for instant bank transfers via mobile devices. Launched in 2016, it has transformed India’s digital payments landscape, accounting for 75% of retail digital transactions in 2022-23, and is projected to handle 1 billion transactions daily by 2026-27. BHIM UPI democratizes digital payments, especially in rural and semi-urban areas, promoting financial inclusion. Its open API architecture fosters third-party payment app development, driving Fintech innovation and competition, and exemplifying how open banking simplifies finance and enhances accessibility.

Future insights: open banking APIs in Indian Fintech

Open banking is set to grow significantly with global users expected to reach 132.2 million by 2024. AI will enhance personalization through tailored financial advice and predictive analytics. Blockchain integration promises improved security and transparency in transactions, benefiting cross-border payments and regulatory compliance. Open banking APIs democratize financial services, expanding access to underserved populations with innovative solutions like micro-loans. India’s evolving regulatory environment supports open banking, promoting a secure and dynamic Fin-tech ecosystem.

Conclusion

Protecting user data and privacy is vital, achieved through strong security measures and secure consent frameworks. Standardizing APIs and ensuring they work well together requires collaboration among regulators, financial institutions, and Fin-tech companies. Adapting to changing regulations is essential to managing legal and operational risks successfullyIndia’s fin-tech sector is poised for transformative changes with open banking APIs, leading in innovation, security, and financial inclusion. By embracing collaboration and technological advancement, India can set a global benchmark for financial services.

Author : Exito

[mifymeenakshi]

A framework known as "open keeping money" permits clients to securely trade their money related information with exterior companies. Clients may presently get to a wide run of money related items and administrations past what their conventional banks can give much obliged to this data sharing. Tolerating open keeping money is the way of the future for managing an account as the globe develops more carefully connected. In expansion to being superior prepared to help their clients, banks that take the activity in this modern money related period will too be able to enhance and produce modern sources of wage.

[fiskils]

Unveiling ADR Open Banking: Unlocking the Potential of Financial Data

In the dynamic landscape of financial technology, Open Banking has emerged as a transformative force, reshaping how individuals and businesses manage their finances. At the forefront of this revolution is the advent of ADR Open Banking, a concept that holds immense promise for both consumers and financial institutions alike.

ADR Open Banking, an acronym for "Australian Data Right," represents a pivotal shift in the way financial data is accessed and utilized. At its core, ADR empowers consumers with the ability to securely share their financial data with trusted third parties, thereby fostering competition and innovation within the financial services sector. This groundbreaking initiative is underpinned by the Consumer Data Right (CDR), a regulatory framework designed to enhance consumer choice and control over their personal information.

One of the primary beneficiaries of ADR Open Banking is the proliferation of open banking accounts. These accounts leverage the vast trove of financial data made accessible through ADR, offering consumers unprecedented insights into their spending habits, savings patterns, and overall financial health. By harnessing the power of open banking data, individuals can gain a holistic view of their finances, enabling smarter decision-making and more effective money management strategies.

Furthermore, CDR Open Banking holds significant implications for financial institutions seeking to innovate and differentiate themselves in a crowded marketplace. By embracing ADR principles, banks and other financial service providers can deliver personalized, data-driven experiences that resonate with consumers' evolving needs and preferences. From tailored product recommendations to enhanced fraud detection capabilities, the possibilities afforded by open banking CDR are virtually limitless.

However, alongside its immense potential, ADR Open Banking also presents unique challenges and considerations. Chief among these is the need to prioritize data privacy and security, ensuring that consumers' sensitive information is safeguarded against unauthorized access or misuse. Additionally, stakeholders must navigate complex regulatory requirements and technical standards to ensure interoperability and seamless data sharing across platforms.

In conclusion, ADR Open Banking represents a watershed moment in the evolution of financial services, offering unparalleled opportunities for innovation, competition, and consumer empowerment. By embracing the principles of ADR, financial institutions can unlock the full potential of open banking to drive value for both themselves and their customers, ushering in a new era of financial transparency and accessibility.

[its-all-business]

Amit Shah: Architect of Progress and Security - Insights from the WITT Global Summit

Abhay Bhutada, MD of Poonawalla Fincorp, emphasized the indispensable nature of robust law and order for national progress. He stressed that without a firm foundation of security and stability, societal and economic advancements remain precarious. Bhutada lauded Shah's unwavering dedication to protecting the nation and its citizens, highlighting the pivotal role played by effective governance in shaping the destiny of a nation.

Abhay Bhutada's sentiments echoed a broader acknowledgment of Shah's contributions to nation-building and his steadfast commitment to upholding the principles of democracy, justice, and the rule of law. As India continues its journey towards becoming a global economic powerhouse, the importance of strong and visionary leadership, exemplified by Amit Shah, cannot be overstated.

Potential Of Visionary Leadership

At the WITT Global Summit, Shah's visionary leadership in technology, security, and governance received widespread acclaim. His advocacy for a digitally empowered and secure India struck a chord with delegates, underscoring the transformative potential of technology in fortifying national security and governance frameworks.

Shah's holistic vision for India's development, encompassing economic prosperity, social cohesion, and national security, has set a new standard for leadership excellence. His adept handling of complex challenges and his ability to steer the nation towards a brighter future have earned him admiration and respect both domestically and internationally.

Fostering a Business-Friendly Climate

Beyond his role in ensuring national security, Shah has been instrumental in fostering an environment conducive to business growth. Recognizing the pivotal role of entrepreneurship and innovation in driving economic progress, he has spearheaded initiatives to streamline regulations, reduce bureaucratic impediments, and enhance the ease of doing business.

Under Shah's stewardship, India has witnessed a remarkable improvement in its global rankings on ease of doing business indices. Through targeted reforms and policy interventions, he has facilitated a smoother and more efficient business landscape, attracting both domestic and foreign investment. The simplification of regulatory frameworks and the digitization of processes have empowered entrepreneurs and small enterprises, catalyzing economic expansion and job creation across sectors.

Also Read: What Is RBI's 'Balanced' Monetary Policy?

Using Technology

A hallmark of Shah's leadership lies in his adept utilization of technology to bolster security and streamline governance. Initiatives such as the integration of artificial intelligence and data analytics in crime prevention, along with the establishment of systems like the National Intelligence Grid (NATGRID) and the Crime and Criminal Tracking Network and Systems (CCTNS), have significantly augmented the capabilities of law enforcement agencies.

The integration of technology has not only enhanced the efficiency of law enforcement but has also bolstered the overall effectiveness of governance. Digital platforms and e-governance initiatives championed by Shah have brought government services closer to citizens, mitigating bureaucratic hurdles and fostering transparency and accountability.

Proactive Security Initiatives

Shah's proactive stance towards addressing security challenges, whether internal or external, has garnered acclaim from various quarters. His initiatives to strengthen border security, combat terrorism, and tackle insurgency have played a pivotal role in safeguarding the nation's sovereignty and integrity.

Under Shah's leadership, India has witnessed a paradigm shift in its security paradigm, with a renewed emphasis on intelligence-led operations and preemptive measures. Investments in modernizing the armed forces, enhancing border infrastructure, and bolstering cyber-security capabilities have fortified India's defense preparedness in an evolving security landscape.

Also Read: How Digitalization Has Empowered Citizens From Small Towns?

Decisive Actions for Enhanced Security

The tenure of the Home Minister has been characterized by decisive actions and strategic measures aimed at fortifying security and fostering an environment conducive to business growth. Substantial improvements in law enforcement, including heightened police presence and the modernization of agencies, have enhanced citizen safety and bolstered investor confidence.

Shah's hands-on approach to addressing security challenges, coupled with his ability to swiftly implement reforms, has instilled trust and confidence among stakeholders. His leadership during crises, such as the COVID-19 pandemic, has been marked by decisive decision-making and proactive measures to mitigate risks and safeguard public health and safety.

Also Read: Bank & Non-Bank Lenders Share Views On RBI's 'Balanced' Monetary Policy?

Conclusion

The applause resonating through the halls of the WITT Global Summit wasn't merely for an individual; it was a recognition of the principles Amit Shah embodies and the actions he undertakes. His leadership in upholding law and order, fostering a business-friendly environment, and ensuring security is indispensable for the continued progress and prosperity of the nation.

Amit Shah's exemplary leadership serves as a guiding light in a world grappling with unprecedented challenges. As India charts its course towards a brighter future, Shah's vision, resilience, and unwavering commitment to the nation's welfare will continue to steer its path towards greater prosperity and inclusive growth.

[zyronoidablog]

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get more info :- www.zyro.in/blog/

[mobio-solutions]

Transform your financial journey with Mobio Solutions! 🚀🌟Our digital banking platform is all about innovation and ease. With a mobile-first approach, we're not just meeting security standards - we're setting them. Exciting UI/UX changes have led to a 40% jump in user engagement. And guess what? We're going global, understanding financial needs across continents. 🌐 Ready to elevate your banking experience? Let's make it happen together!

[russellwebbdesign]

Portfolio case studies describing design, my UX process, and the business impact. 

From boosting user adoption in fintech, to improving trust with responsible gambling through to retaining Millennials in the world of digital lotteries UX to leveraging key USPs for mobile healthcare.

More Case Studies | Quick-Look PDF

[techconnectpro]

Explore the transformative power of Open Banking in the fintech revolution. Discover its potential in reshaping financial services.

[fictionalmenxyn]

𝐋𝐚𝐭𝐞 𝐍𝐢𝐠𝐡𝐭 𝐍𝐞𝐞𝐝𝐬

Pairing: frat!rafe x sorority!reader

Warnings: SMUT, language, fingering, p in v, no mentions of protection (wrap it!), breeding, self pleasure (Rafe)

꥟꥟꥟

You had come over to hang out with Rafe. You both haven’t seen each other since yesterday since college was busy for you both. Rafe needed his daily dose of you, so he spammed texted you to sleepover.

So here you were, lying in his bed. Wearing just his old football jersey and a pair of Calvin Kline underwear. You laid in his bed watching tv. Rafe was playing cod with the guys. His headset on but one ear off just in case you wanted to chat or needed anything. He sat in his gaming chair at his desk. His eyes glued to the monitor, but occasionally glanced over to you.

You watched the tv on his wall, enjoying the company and finding it funny how the boys talk in chat.

You felt drowsy, your eyelids felt heavier each blink. You moved your head into the pillow more, turning over to lay on your stomach as you went to sleep.

Rafe glanced over to you as he heard you shift around in bed. His eyes raked over you. Seeing the jersey had rode up resting on your kid back. Showing off one of his favourite things about you, your ass. He could stare at it all day if he could. His hands on it most of the time. But it was the fact that you laid in his bed. Tangled up in the covers, wearing his jersey. Looking peaceful and relaxed, that made him hard in his sweatpants.

He groaned as he looked down at his sweats, seeing the newly formed tent. He didn’t bother putting on boxers as he had only just got out of the shower and just wanted to throw something on. Besides he does it most of the time when he lounges around.

He turned his attention back to the game. Trying to calm down the hard on in his sweats. But he can’t help but look over to you every so often. He couldn’t do anything about it yet. You were asleep. And he wasn’t the type to do such things without you knowing. He knew better.

He moved his right hand over his bulge. His controller in his left hand. The guys and himself were in the lobby of the game. Some of the guys either going to the bathroom or getting snacks. He quickly muted himself.

Moving his hand into his boxers, he closed his eyes and leaned his head back. Stroking the long length of his as he thought about you sat on top of him on his gaming chair. Like you have many times.

He just couldn’t budge it. Not even his hand was helping anymore. He had enough. He was going to climb into bed and sleep it off. He quickly made an excuse for him to end the game with the guys. He logged off and turned his ps5 off.

He climbed into bed beside you. Pulling you close to him. Letting out a long sigh, he closed his eyes and tried to relax.

He soon fell asleep. Then to be only woken up at two in the morning. He groaned to himself when he felt his hips subconsciously grid against your side.

He was tried, so were you. But he had to get rid of it. And he’d know you’d most def would help him.

He brushed a few strands of hair out of your face. Then whispering in his deep husky tired voice “baby… need you to wake up f’me…”

You turned over, rubbing your eye “hm?”

He grinned softly “c’mon… I need some help… you looked so good in my jersey earlier… I couldn’t shift it…” he pressed his hard on against your hip to show you.

You resting your forehead against his lips “but ‘m tired, Rafey…” “I know, I know, could you just stay awake? I’ll do all the work… just relaxed and help me out, yeah?” God his voice did things to you no one could ever explain. His raspy along with the deep mess of the accent and his overall tone. Sent shivers down your spine.

He pressed a kiss to your forehead, then your lips, then your neck. Gently turning you over and lifting your right thigh up more. He moved his hand along your side and down to your entrance.

His palm against you, already feeling your underwear to be damp. He smirked lazily “that’s my girl…” he moved his hand in slow, lazy circles.

You moaned softly, he pulled your underwear to the side. Moving his middle finger inside of you. He lazily pushed it in and out. Curling his finger every other time. You pushed your ass back into his hard on. Causing him to groan and rock his hips into you.

He slipped his ring finger into you next. Prepping you for him. Causing you to tiredly rock your hips against his hand.

He pulled his fingers away and move his hand into his sweats. He then tugged his sweats down just enough to let his cock out. He was hung. No doubt about it. All the girls in college would die to get what you got most nights. But you took it all the way each time. Nothing like the girls he had in the past. Nothing compares to you.

He ran his tip along your slit, gently pushing it inside. Causing you to moan softly. He went in, inch by inch.

He moved his hand to your jaw. Holding it and turn your head enough so he could kiss you. As he would lazily and slowly thrust in and out of you.

You liked this side of him. Most of the time you both were rough or loud. This was quiet and relaxing for a change.

He bit your bottom lip gently as he pulls away a little. He looked into your eyes with pure lust. His lips brushing against yours as he mumbled “so fucking tight f’me… best fucking pussy, all mine, baby, yeah? All mine…love it so much” you moaned softly. Looking into his eyes with tiredness and attraction. God the look you’re giving him right now drove him insane.

He kept moving his large length in you. He moved a little so he was on top of you more. Getting a better angle and also going deeper in you. Causing you to moan a little louder. He moved his left hand next to your head in the bed, stabilising himself. As his right went under the jersey and over your breast. Massaging your breast as he rest his forehead on the side of your head. He breathing heavy and ragged.

He felt you tighten around him, causing him to groan lowly “fuuuccckk…”

He picked up his pace, you were about to moan when he shoved his hand over your mouth gently. He whispered “gotta stay quiet, baby, I don’t want the guys hearing how good I make you feel… don’t wanna wake em up now, yeah?” You nodded.

As you feel your climax approaching, Rafe smirked. Knowing your body inside and out. He knew you were close. He picked up his pace more. The room filled with heavy breathing and cheek smacking.

Your jaw slackens as you tighten around him and finish. He groans “thaaatss it, come all over my cock, yeah? Mhm fuck, so hot…”

He moved his mouth to your ear “want me to come in ya? Want it, baby? I know you do, tell me, do you?” You nodded “yes, Rafey, want you too… so bad, please…” he smirked.

Feeling himself finishing in you was amazing. Knowing it was him that made you feel this good and him being the one to finish in you, was a dream to him.

He stayed there for a moment. Giving you a ‘thank you’ kiss. He mumbled against your cheek “thank you for helping, babe… did so good f’me… I’ll treat you in the morning, you don’t have class till the afternoon… I’ll eat you out all morning, hm? Wanna do it so bad, been craving you…”

You nodded eagerly, one of your favourite things he does was just that.

He gently pulled out, watching his seed go down your thigh. He grabbed some tissues on the side of his bed and wiped it. Knowing you’d probably not want to sleep with it all over you.

Tossing the tissue into the trash can. He laid back beside you. Pulling on his sweats again. And wrapping his arms around your waist. Whispering sweet nothings into your ear as you fall back asleep.

And best believe he kept his word for the next morning.

꥟꥟꥟

[leclercsainzz]

COOL FOR THE SUMMER

PAIRINGS: drew starkey x fem!reader

TYPE: social media au

A/N: their summer fling slowly turned into a deep and genuine connection, as they realized they couldn’t bear to be apart from each other

yourusername

liked by drewstarkey, hichasestokes and 799,972 others

yourusername: when in doubt, photo dump(:

tagged: @drewstarkey @madelyncline

view 7,736 comments

user: when in doubt, post drew starkey

user: MY MAN MY MAN MY MAN (drew starkey)

madelyncline: mom, i made it to the photo dump!

madelyncline: body so tea the british are coming 🫦

madisonbaileybabe: damn— im speechless 😍

user: drew is soooooo fine oml

austinnorth55: cutie 😘 @drewstarkey

↳ hichasestokes: more like HOT

↳ user: they’re just like me frfr

user: soooooo are you and drew dating or?!?!?

↳ user: girl— they’re just friends

↳ user: “friends” okay

user: MARRY ME??!? OMG 😩

user: i’m confused on whether they’re dating or not

user: BODY OMG

user: i get it, drew, i do

user: ma’am, i have feelings for you

user: she stays feeding us with the drew content

user: YN & DREW TOGETHER DURING THE SUMMER BREAK?

user: so ya’ll fucking or what?

↳ user: straight to the point, i like it 🤣

drewstarkey: who’s that fine man in the third post?

↳ yourusername: 🤷🏻‍♀️ just some weirdo i met

↳ user: so you admit he’s fine?!!?? 😏

user: how lucky of drew who gets to worship her bodyyyy

user: body goals

carlaciagrant: woah— she’s hot!!! 🥵

user: mother is mothering once again

user: body-ody frr

user: LORD PLEASE, PUT ME IN DREW’S SHOES 🙏🏼

user: the hottest girL ever, i swear

user: wowzers 🫦

yourusername

liked by jonathandavissofficial, drewstarkey and 801,028 others

yourusername: hot girl summer

view 5,927 comments

user: GIRL— thE last post?!?!?

user: that better be drew 🙂‍↕️

user: drew is definitely the one taking these pics 😉

madelyncline: did mamacita get her margarita?

↳ yourusername: she did;)

user: i looked at her post and sighed

user: that looks like drew’s hands, no?!??

user: drew and her DEFINITELY fuck

↳ user: i just know they fuck good!

↳ yourusername: we’re just friends

↳ user: LMAO “just friends”

carlaciagrant: SEXYY 😍

↳ yourusername: right back at you 💗

user: excuse me?!!!? the last post?!!? yn?!? what is this?!!?

user: @drewstarkey you lucky son of a bitch

user: the definition of mamacita is literally yn

user: his hand is under her hoodie?!!? HELLO?!!?

↳ user: i noticed it toOO 😭

rudeth: that last post? keep it pg, please

↳ user: LMAO

kelseaballerini: stunning girl

↳ yourusername: 🫶🏼 love yaaa

user: girl— is that drew?

fionapaloma: hottie

↳ yourusername: mwah 💋

user: ooh to be yn

drewstarkey: stunning

comment has been deleted

drewstarkey: you got lit, huh?

user: praying that is drew’s hand 🙏🏼

user: body goals fr—

user: yndrew nation rise up

hichasestokes: “friends” they say

comment has been deleted

user: idk if i wanna be her or date her

↳ user: i wanna be drew

drewstarkey

liked by yourusername, madelyncline and 819,937 others

drewstarkey: 🎭

view 5,849 comments

user: CHOKE ME OMG—

user: BUZZCUT?!? DREW GOT A BUZZCUT?!? 🫦

user: he just got 10x more fine with that buzzcut

user: is that yn in the third post?!??

user: HE REMEMBERED HIS PASSWORD 😭

user: um? the cake?!? hello?!? SAME

rudeth: i made that cake with extra love ;)

↳ drewstarkey: 🙂‍↕️

user: nOt rudy baking the cake omg

user: is that yn in the bed?!!?

user: biceps omg— 😍

user: the things i would do to have his hands wrapped around me

user: getting the buzzcut was THE BEST decision ever omg

user: if you zoom in on the third post, it’s literally yn

madelyncline: buzz 🐝

yourusername: thanks for cropping me out on the first post(:

↳ drewstarkey: this isn’t about you, darling

↳ user: DARLING OMG?!!??

↳ user: “we’re only friends” my ass 🙄

user: my man finally remembered he had an account

user: joseph andrew starkey 👅

user: babe, come home! the kids miss you

user: yn getting that everyday omgggg 😩

hichasestokes: ooh wow 😍

user: chill— my girl is on this app

user: everyone wake up! drew posted

user: that’s literally yn, no? there’s no way they’re “just friends”

user: he called yn, “darling” sbsolslandndssksodn

user: he can choke me till i pass out with those biceps 🥰

user: need him bibically

jonathandavissofficial: 🤩

user: getting that buzzcut was the best thing you could ever do

user: @yourusername lucky mf, i fear 😭

↳ user: she fr bagged my man

user: the man of my dreams

user: HOT

user: i need to touch grass omg makslspa

yourusername

liked by carlaciagrant, austinnorth55 and 837,026 others

yourusername: 🇮🇹

view 4,836 comments

madelyncline: my girlfriend

↳ yourusername: hii babyyy;)

madelyncline: SEXc 🫦

user: so that girl on twitter wasn’t lying

↳ user: what girl?

↳ user: this girl on twitter tweeted that yn & drew were in italy

user: MOTHER 😍

user: tHAT’S LITERALLY THE RESTAURANT OMG @user

↳ user: I STILL CANT BELIEVE WE WERE SOO CLOSE TO THEM

↳ user: so you’re the lucky girl huh? 😭

user: that’s definitely drew in the corner of the fifth slide

madisonbaileybabe: ooh lala mamacita 🙂‍↕️

↳ yourusername: te amo 🫦

see translation: i love you

drewstarkey: stunner

↳ yourusername: 😘

↳ user: i am NOT normal about this omG— ajdjsksnsns

↳ user: “friends” yea right

↳ user: they’re definitely dating

↳ user: biTch omg???!??

madisonbeer: gorgeous girl!

user: do you ever not look good?!?

rudeth: wow, you’re fancy, huh?

user: babes, you’re literally so hot

user: alexa— how to be drew starkey?

carlaciagrant: my god, you’re sooo fine

↳ yourusername: are we about to kiss rn 🙂‍↔️

user: feed = blessed

user: yes yes yes yes! 😍

user: i wanna be drew so badly omg

user: drop that white boy and come my way 😩

hichasestokes: where was my invite?

user: girllll 😍

user: wishing i was drew

user: hottie alert

imessage

chase — yn

imessage

madelyn — drew

yourusername

liked by kendalljenner, drewstarkey and 844,829 others

yourusername: tomfoolery

tagged: @madelyncline

view 5,528 comments

user: born to be her man, forced to be her fan 😭

user: please, drew is so lucky

user: stunning!

madelyncline: i love yaa, girlfriend 😘

madelyncline: HOTTTT

drewstarkey: pretty lady

↳ yourusername: 🙂‍↕️

↳ user: PARENTS OMG

user: okay bodyyy

user: ur perfect

user: so are her and drew together?

↳ user: YES

↳ user: no lol

↳ user: nothing has been confirmed so 🤷🏻‍♀️

user: OBSESSED with you omgg 😍

leahkateb: gorgg

↳ yourusername: noo, that’s youuu 🫶🏼

user: when you bless our feed >>

user: 😍 soooo stunning, i swear

user: body so tea

madisonbaileybabe: the hottest :3

user: yn, give me one chance

user: are we just going to ignore drew’s comment?

madisonbeer: hello, pretty girl 😍

user: mother

user: @drewstarkey give me my wife back 😭

user: you have the prettiest smile ever

user: yndrew who? we only ynmadelyn

user: her man is definitely the lucky one

user: what’s the deal between you and drew?? 🤔

user: i think we can all agree that drew took these pics

user: in love with youuu 😩

drewstarkey

liked by madelyncline, rudeth and 823,017 others

drewstarkey: 😼

view 5,037 comments

nick_v_cirillo: 😍 wow

↳ user: yn’s biggest competition has arrived

| liked by yourusername

user: gUYS— she likes my comment kmsbdjsns

↳ user: what comment?!!? 🤔

↳ user: the onE with nick being her biggest competition

user: hey baby daddy

user: Is THAT YN?!??

user: yn?!?!!?? 👀

user: the laSt slide 😭

user: HE’S BACKKKK

user: THE white boy of my entire life 😩

user: smash

user: @yourusername oooh girl, you’re sooo lucky 😭

user: “just friends” my ass

madelyncline: are you cheating on me:( @yourusername

↳ yourusername: NEVER, my love

user: the second photo has me going FERAL 😍

user: bitch— that’s literally yn in the last slide anskdndn

user: i’m so confused 😭 are him and yn together or???

user: question of the century tbh

hichasestokes: sexy

user: sexiest man alive, i swear 😍

yourusername: hot 🫦

↳ user: girl?!!???

↳ user: this confirms they’re together right?

user: the way he’s holding her 😭😭😭

user: i just wanna be one of your girls

user: he’s so fine omg 😍

user: oooh to be yn

user: the last post, i can’t—

user: drew starkey, my man

user: making the second slide my wallpaper

user: thats the loml

user: drew starkey, the man that you are 🫦

user: i NEED him sooooo bad

user: ON MY KNEES 🧎🏻‍♀️

user: yn, you lucky bitch 😭

austinnorth55: 🤩

imessage

yourusername

liked by rudeth, madisonbaileybabe and 875,940 others

yourusername: life lately with my favorite guy drew starkey 💋

view 5,937 comments

user: oMG OMG OMG

user: i just fell on my knees in walmart 😭

user: friends or???

jonathandavissofficial: oh? 😏

user: what— UH SINE WHEN?!!?

madelyncline: YAYYYYYYYYY

user: i thought they were just friends?!??? 🤔

↳ yourusername: we are haha

user: the fourth slide, hello???!?

drewstarkey: pretty girl 😘

↳ yourusername: 🫶🏼 ilyyy

user: wait— are you guys dating or???

↳ yourusername: just friends lol

↳ user: i’m confused, hold on— 😭 what?

user: “friends” LMAO

user: i love how she’s trolling everyone with the whole “friends” bs

hichasestokes: the hottest pair of besties

📌 pinned

user: friends who fuck, maybe

carlaciagrant: love you both!!

austinnorth55: your best friends hot;)

↳ yourusername: sooooo hot

user: baby girl, i’m genuinely confused 😭 are ya’ll together or?

↳ yourusername: he’s actually the loml

user: bItch the FOURTH SLIde????

user: wait, so they’re together together??

↳ yourusername: 🙂‍↕️ yuppp

↳ user: oMg oMG SHE CONFIRMED IT

user: MOM AND DAD 😍

user: tHEY’rE TOGETHER, IT’s cONFIRMED

leahkateb: hottie

↳ yourusername: besitos xx 😘

see translation: kisses

user: WE FINALLY GOT YNDREW 😭

user: about time, omg

user: theY’re so hot together

user: SCREAMING OMG

user: OMG OMG OMG AKANSLDLSBDKDKFJ

user: the second and fourth slide 😭

user: took my man just like that

user: it’s over for us yn girlies

nick_v_cirillo: ❤️

drewstarkey

liked by yourusername, hichasestokes and 885,836 others

drewstarkey: fun times with my favorite girl yn ln 🫶🏼

view 5,736 comments

user: its official, they’re together 😭

yourusername: hiii babyy

↳ drewstarkey: come give me a kiss;)

yourusername: SEXc 😍

user: the text message

user: confirmed obx cast is yndrew’s children

user: YES YES YES YES

user: i feel so single 😭

user: we’ve lost him, girlies

hichasestokes: hey dad 👋🏼

↳ drewstarkey: hi son

user: drew really bagged the baddest girl ever 😭 iktr

| liked by drewstarkey

madisonbaileybabe: my favs! 🥰

user: his sneaky link turned into his girlfriend 😔

madelyncline: my parents 🫶🏼

jonathandavissofficial: much love for you both

user: can ya’ll adopt me too, please?

user: @nick_v_ cirillo they took your man

user: they’re so hot 🫦

user: all aboard the yndrew train

user: we get it, you’re taken 😭

user: ooh you lucky girl @yourusername

user: i love when hot people date

user: FINALLY OMG

user: about time

user: yn’s sooooo gorgeous 😍

user: idk who’s luckier him or her

user: friends or dating??

user: its official anskkssn, they’re dating 🥳

user: thank goD he remembered his insta password

user: this man is sooooo fine 🫦

| liked by yourusername

user: i love them together omg 😭

user: they make such a beautiful couple, i swear 😩

user: mom and dad

user: their babies are gonna turn out cute

user: my family 🥺

user: hottest couple ever

user: yndrew nation rise!!!

user: he’s hot, she’s hot, they make a hot couple 🤤

user: SCREAMING OMG

user: it was about time omg ajajaksndnd

[nuadox]

Open banking surpasses 11 million payments in the UK

- By Nuadox Crew -

Open banking in the UK has hit a milestone by processing over 11.4 million payments in July 2023, showing a 9.3% increase from the previous month and highlighting the rising adoption of these services.

Year-to-date data for 2023 compared to 2022 demonstrates a doubling of total payments, with a growth rate of 102.4%.

--

Source: Open Banking Limited (OBL)

Read Also

There are now more than 7 million Open Banking users in the UK

[jacquelineknowle]

Exploring the Benefits of Open Banking API Sandboxes for Financial Institutions

The Fintech revolution is no new news. New technologies are transforming the way finance is conducted, and financial institutions are leveraging API data integration to provide an easy-to-use, frictionless experience to their customers. Open Banking and API Sandboxes have paved the way for enhanced collaboration between financial organizations and third-party developers, and at the heart of this revolution lies the concept of API sandboxes or controlled testing environments that stimulate real-world interactions. Still confused about the benefits of API data integration or open banking API sandboxes for financial institutions? Delve in to explore!

Introduction to Open Banking and API Sandboxes

Open Banking is a regulatory framework that requires financial institutions to share customer data with authorized third-party providers through APIs. This data sharing enables the development of new financial applications and services, fostering competition, and driving innovation in the financial sector. To facilitate this process, API sandboxes replicate the actual API interactions without affecting the live environment, offering a secure space for developers to experiment, test, and refine their applications.

Accelerating Innovation and Product Development

One of the primary advantages of open banking API sandboxes is their ability to expedite the innovation cycle for financial institutions. Traditional product development in the banking sector has been hindered by rigid systems and lengthy approval processes. With API sandboxes, institutions can experiment with new ideas and features in a risk-free environment. This agility allows for faster iteration and refinement, ultimately leading to more competitive and customer-centric products.

Enhanced Security and Risk Mitigation

Security concerns are paramount in the financial industry. The introduction of APIs and data sharing brings forth potential vulnerabilities that can be exploited by malicious actors. API sandboxes serve as a barrier between the live systems and external developers, limiting the exposure of sensitive data. Financial institutions can subject their sandboxes to rigorous security testing, ensuring any weaknesses are identified and addressed before the APIs are rolled out to the production environment and this proactive approach significantly reduces the risk of data breaches and unauthorized access.

Regulatory Compliance:

Financial institutions operate in a heavily regulated environment. Open Banking API sandboxes help institutions achieve and maintain regulatory compliance. By testing APIs in a controlled environment, institutions can ensure that data protection and privacy measures are in place, preventing compliance issues before they arise in the live environment.

Seamless Developer Collaboration:

API sandboxes facilitate seamless collaboration between financial institutions and third-party developers. These sandboxes offer a standardized platform where developers can access and interact with APIs, reducing integration complexities. This collaboration leads to the creation of innovative financial applications that enhance the overall customer experience.

Cost-Effective Testing:

Traditional testing methods can be costly and disruptive. API sandboxes provide a cost-effective alternative. Financial institutions can identify and rectify issues during the testing phase, reducing the financial implications of errors in the live environment, which ensures a higher level of service quality while optimizing resource allocation.

Need more information on open banking API sandbox or want to get a One APIMarketplace for your financial institution? Make sure to go for the professionals and contribute to an enhanced customer experience without any hiccups.

[maybanksprincess]

thigh riding.

warnings: thigh riding, fingers in mouth, kissing, jj cumming in his boxers, palming, tiny aftercare at the end.

summary: jj cums in his boxers to his pretty girlfriend riding his thigh <3

requested by this ask, (thank you anon!🤍)

it was 9:56 on a saturday night. your at jjs house and you had grown bored several hours ago. you were sick of scrolling on ur phone and seeing peoples instagram posts about their boring life.

you look over at your boyfriend in his gaming chair. he's wearing a wife beater and some grey sweatpants, his foot tapping the floor, softly drumming against the wood of the floorboard.

you can't help but bite your lip as you look at him, the way his arms flex, along his hands quickly pressing the buttons on his controller. you catch yourself pressing your thighs together in attempt to get some relief from the throbbing on your core.

you would've said something way sooner about wanting attention, but you couldn't bring yourself to draw your eyes away from how sexy he looked playing his video games.

you decide you want some attention, so you stand up, adjusting your shorts and then walking over to his gaming chair where his setup is.

He has his computer screen on the desk, along with a keyboard with crumbs of weed on it, (of course). Theres a joint, freshly rolled, beside his mouse.

you take a seat on his lap, straddling his thigh, and wrapping your arms around his neck. You bury your face in his shoulder and try to forget about the ache between your legs.

JJ immediately pauses his game, turning his attention to you, and setting down his controller on the messy desk.

"hey baby, what's wrong?" he asks in that raspy voice that never fails to turn you on. he looks at you with those baby blue eyes that make your heart race and your thighs clench.

"jus' wanted to be held..." you mumble, a little pout forming on your lips.

he can see the way your thighs clench as you look at his arms, and his lips involuntarily curve into a smirk. "yeah? you jus' wanted some attention, huh baby?" he can already feel his cock start to stir in his pants, and he shifts around, trying to get comfortable with you sitting on his leg all pretty like that.

in the process of him shifting around, his knee bumps up to your core, your eyes fly open and go wide, a high-pitched moan falling from your lips suddenly.

his smirk grows even wider "did that feel good mama?" he already knows the answer, but he wants to hear it out of your mouth.

you nod and start to ground your pussy on his thigh, the wetness in your panties starting to seep through onto his grey sweatpants.

jj groans at the sight, "mm your gettin' so messy f' me baby. keep riding my thigh. mhm jus' like that" he bites his lip to keep himself from pathetically groaning at the sight of you riding his thigh.

he reaches over with the hand that isnt on your waist to palm himself through his sweatpants. his eyes roll back, and he thinks about how good it would feel to be inside of you.

he starts to hear your breathing get heavier, your movements more frantic. "are you close baby?" he asks in that soft voice, gently tracing his veiny fingers along your thigh.

you nod, and your eyes roll back as you continue to ride his thigh. you can feel the pressure in your core building up and his sweet praises have you at the very edge.

"cmon sweet girl, 's okay. you gonna cum f' me?" he asks while using one hand to brush your hair away from your damp forehead, pushing your hair gently behind your shoulders. he sticks his two long digits into your mouth to help with the pressure.

at his praise, and warm fingers gently weighing on your tongue, the pressure in your stomach snaps, and your orgasm rips through.

at the sight of you riding out your orgasm, and the feel of your warm cum coating his thigh, his cock twitches in his pants and he cums, shooting thick ropes of white cum in his black calvin cleins.

he groans softly, still caressing your thigh, gently squeezing the flesh.

after a few moments of silence, he speaks. "you good baby?"

you continue to pant softly, mumbling out a soft "mhm"

he nods, and turns off his gaming device, and scooping you up in his arms. he carries you over to his bed and you two cuddle for the night <3

[its-all-business]

The Shift Towards Organic Growth: Investors Embrace Strategies to Enhance Financial Services

Organic growth strategies in the financial services industry are gaining momentum as investors recognize their value. Investors in the financial services industry, including Abhay Bhutada, MD of Poonawalla Fincorp, are increasingly turning to organic growth as a means to enhance their operations. 

The adoption of organic growth strategies empowers financial service providers to forge resilient customer connections, flexibly respond to sector shifts, cultivate inventive solutions, and mitigate potential hazards. This strategic pathway lays the foundation for enduring expansion and enduring triumph within the dynamic realm of financial services.

Stability and Control

Opting for organic growth bestows investors with stability and heightened jurisdiction over their investment portfolios. Through the gradual cultivation of established enterprises and the methodical expansion of market presence, they can secure sustainable advancement and exercise direct sway over their investment undertakings.

Also Read: Understanding CRISIL Rating: How It Affects Borrowing Costs and Investor Confidence

Stronger Customer Relationships

Embracing organic growth empowers financial service providers to emphasize the cultivation of robust customer relationships. Through product refinement, elevated customer experiences, and targeted problem-solving, investors can elevate customer loyalty and bolster retention rates.

Innovation and Adaptability

Embracing organic growth equips investors to harness innovation and navigate shifts within the industry. By fostering an innovative culture, financial institutions can leverage emerging technologies, attract novel customer segments, and maintain a competitive edge.

Minimizing Risks, Enhancing Value

Organic growth strategies often entail lower risks in contrast to extensive acquisitions. This approach enables more effective allocation of resources, streamlined cost structures, and the creation of enduring long-term value.

Also Read: 5 Best Loans For Women Entrepreneurs In India

In conclusion, 

The rise of organic growth in the financial services sector provides investors with stability, customer-centric approaches, innovation, and lasting value. By focusing on internal advancements and fostering customer relationships, financial service providers can thrive in a rapidly changing landscape. Embracing sustainable strategies is a key factor for success in the dynamic realm of financial services. Investors like Abhay Bhutada are leading the way and  adopting organic growth to improve their operations.