About us
MyValue Solutions is an independent publication covering open banking, financial data infrastructure, and the technologies reshaping how businesses and consumers interact with financial services. We publish analysis, commentary, and long-form reporting for professionals who build, operate, and regulate the infrastructure layer of modern finance.
Originally established as a platform focused on open banking connectivity and API-based financial data solutions in the European market, the site now provides coverage across the full spectrum of financial data interoperability — from PSD2/PSD3 regulation and API standards to banking-as-a-service platforms, payment initiation infrastructure, and the commercial models driving embedded finance adoption across Europe and beyond.
What We Cover
Most fintech media covers the consumer-facing layer — the apps, the cards, the digital wallets. We cover what sits beneath: the API specifications that define how data flows between institutions, the regulatory frameworks that determine what is permissible, the infrastructure providers that make connectivity technically possible, and the commercial models that determine whether any of it is economically sustainable.
Our editorial coverage spans five interconnected domains:
Open Banking and API Infrastructure. We track the evolution of open banking from a regulatory compliance exercise into a competitive strategy. This includes the API standards that define how data moves between banks and third-party providers — Berlin Group, UK Open Banking, STET, PolishAPI — as well as the emerging global frameworks in Brazil, Australia, India, and the United States. We analyse how API design decisions shape developer adoption, data quality, and interoperability, and we assess the commercial viability of services built on open banking rails.
Regulation and Compliance. Financial data infrastructure does not exist in a regulatory vacuum. We cover PSD2 implementation, the transition to PSD3 and the Payment Services Regulation, the Financial Data Access (FIDA) regulation, Strong Customer Authentication requirements, TPP licensing across jurisdictions, and the growing body of rules around AI deployment in financial services — including the EU AI Act and DORA. Our focus is on what regulations mean in practice for the companies that have to comply with them, not on the legislative process in the abstract.
Banking-as-a-Service and Embedded Finance. The BaaS model — where licensed banks provide API-driven infrastructure that allows non-financial companies to offer banking products — has gone through a cycle of hype, correction, and consolidation. We cover the platforms that survived, the business models that work, the regulatory scrutiny that reshaped the sector, and the commercial dynamics between BaaS providers, their partner banks, and the companies that distribute financial products through their APIs.
Payments Infrastructure. Account-to-account payments, instant payment schemes, SEPA Instant, cross-border settlement, ISO 20022 migration, and the emerging category of agentic payments — where AI agents initiate and complete transactions autonomously on behalf of consumers. We cover the infrastructure layer of payments: the rails, the protocols, the orchestration middleware, and the commercial models that determine whether new payment methods can compete with established card networks.
AI in Financial Services. Artificial intelligence is transforming every layer of financial infrastructure — from credit decisioning and fraud detection to compliance automation and customer service. We cover how financial institutions are deploying AI in production environments, the regulatory frameworks being developed to govern its use, the workforce implications of automation, and the gap between what AI vendors promise and what AI systems actually deliver when they encounter the complexity of real-world financial operations.
Our Origin
The MyValue Solutions name has roots in the European open banking ecosystem. The domain was originally associated with a Spanish open banking company that provided API-based financial data connectivity services — account aggregation, payment initiation, and financial data enrichment for banks, fintechs, and software platforms operating under the PSD2 framework. That company was subsequently acquired by Finleap Connect, a Berlin-based open banking infrastructure provider, as part of the broader consolidation of the European open banking aggregation market.
When the domain became available, we saw an opportunity to build something the market needed: an independent editorial platform dedicated to the infrastructure layer of financial services that the original MyValue Solutions operated within. The open banking, fintech infrastructure, and financial data interoperability space is covered peripherally by general fintech media and deeply by expensive industry analyst reports — but there was no independent publication focused specifically on the practitioners who build and operate this infrastructure.
That is the gap MyValue Solutions exists to fill. We write for the product managers designing API strategies at banks, the engineers building open banking integrations for accounting platforms, the compliance officers navigating TPP licensing across multiple jurisdictions, the founders evaluating BaaS providers for embedded finance products, and the investors and analysts researching the financial data infrastructure market. Our coverage assumes familiarity with financial services and technology concepts — we aim to provide analysis that helps experienced professionals make better decisions, not introductory explainers aimed at a general audience.
Why This Space Needs Dedicated Coverage
The infrastructure that connects financial institutions, processes transactions, and enables data sharing between banks and third-party providers is one of the most consequential technology domains in the global economy. It determines how quickly a small business can access working capital. It determines whether a consumer can see all their financial accounts in a single view. It determines how efficiently cross-border payments settle and whether innovative financial products can reach the people who need them.
Yet this infrastructure layer receives a fraction of the media attention given to consumer fintech apps or cryptocurrency markets. Open banking APIs process trillions of euros in data requests annually across Europe alone. Payment initiation services are quietly building an alternative to card networks. Banking-as-a-service platforms enable thousands of companies to distribute financial products without banking licences. AI is being deployed in production compliance and credit systems at major institutions. These are not niche topics — they are the structural foundation of modern financial services.
The people building and operating this infrastructure deserve coverage that understands the technical complexity of what they do, the regulatory constraints they work within, and the commercial pressures they face. That is what MyValue Solutions provides.
Editorial Independence
MyValue Solutions is not affiliated with any bank, fintech company, API aggregator, BaaS provider, card network, or industry body. We do not accept sponsored content. Our analysis is not influenced by advertising or commercial relationships. When we evaluate a platform, assess a regulatory proposal, or critique an API standard, we do so from the perspective of the professionals who have to work with the outcomes — not the organisations marketing them.
Financial technology coverage is heavily influenced by vendor marketing budgets. Press releases are republished as news. Product launches are covered uncritically. Regulatory developments are summarised without assessing what they mean for the companies that have to comply. We take a different approach. Every article we publish is evaluated against a simple question: would this help a practitioner make a better decision? If the answer is not clearly yes, we do not publish it.
This independence is not a marketing statement. It is the foundation of every editorial decision we make.
How We Work
We publish three types of content. Long-form analysis pieces examine significant industry developments in depth — not just what happened, but why it matters, who it affects, and what comes next. These articles typically run between 1,500 and 3,000 words and are designed to provide the kind of substantive analysis that practitioners need to make informed decisions about technology, strategy, and regulatory compliance.
Regulatory coverage tracks the legislative and standard-setting processes that shape what is possible in financial data infrastructure. We monitor PSD3/PSR trilogue negotiations, EBA technical standard consultations, national transposition processes, and equivalent developments in non-European markets. Our goal is to help readers understand not just what the rules say, but what they mean for the companies that have to implement them.
Data-driven market analysis draws on publicly available investment data, regulatory filings, and industry reports to provide context on market trends, funding patterns, and competitive dynamics. We cite our sources, present data in accessible formats, and draw analytical conclusions that go beyond simply restating the numbers.
Who Reads MyValue Solutions
Our readership spans the financial data infrastructure ecosystem. Product managers and engineers at fintech companies building on open banking APIs. Banking technology leaders evaluating their API strategies and partnership ecosystems. Compliance and regulatory affairs professionals tracking PSD2/PSD3/FIDA developments across jurisdictions. Investors and analysts researching the fintech infrastructure market. Founders building in the embedded finance and BaaS space. Consultants advising financial institutions on technology strategy and regulatory readiness.
We write at a level that assumes professional familiarity with financial services and technology concepts. If you are looking for an introduction to what open banking is, there are excellent resources elsewhere. If you need to understand what PSD3’s API performance requirements mean for your bank’s technical architecture, or whether a BaaS provider’s compliance framework will survive the next round of regulatory scrutiny, or how agentic payment protocols will interact with existing Strong Customer Authentication rules — that is what we cover.
Contact
For editorial enquiries, corrections, tips, or general correspondence: info@myvaluesolutions.com
We read every message. We do not respond to vendor pitches or requests for sponsored content.
MyValue Solutions is an independent publication. We are not affiliated with any financial institution, fintech company, API aggregator, or industry body. All content is original editorial commentary and analysis. © 2026 MyValue Solutions. All rights reserved.