{"id":1019,"date":"2026-02-09T14:43:28","date_gmt":"2026-02-09T14:43:28","guid":{"rendered":"https:\/\/www.invela.com\/?p=1019"},"modified":"2026-02-11T15:05:32","modified_gmt":"2026-02-11T15:05:32","slug":"why-open-banking-needs-a-new-risk-playbook-and-why-now","status":"publish","type":"post","link":"https:\/\/www.invela.com\/?p=1019","title":{"rendered":"Why Open Banking Needs a New Risk Playbook &#8211; And Why Now"},"content":{"rendered":"\n<p>Invela\u2019s advisor Helen Child,&nbsp;<a href=\"https:\/\/www.openbankingexcellence.org\/\">Open Banking Excellence<\/a>, onwhy the future of open banking hinges on one uncomfortable truth: we cannot scale without confronting risk head\u2011on.<\/p>\n\n\n\n<p>Across the ecosystem, fragmentation is slowing growth &#8211; data trapped in silos, inconsistent standards, legacy systems stretched beyond their limits. Helen argues that open finance can unlock extraordinary innovation, but only if the industry builds the infrastructure to manage risk with the same ambition it applies to product development.<\/p>\n\n\n\n<p>She lifts the lid on the confidence gap holding the sector back, the smart data revolution reshaping what\u2019s possible, and the AI governance standards that will define who consumers trust. And she explains why Invela\u2019s real\u2011time risk management network is arriving at exactly the right moment &#8211; giving banks, aggregators, and third\u2011party providers the visibility, protection, and credibility they need to scale safely.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.ekmhinnovators.com\/ekmh-innovators-blog-beta\/interview-open-banking-founder-ceo-helen-child-smart-data-security-governance-ai-fintech\">Read the article<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Invela\u2019s advisor Helen Child,&nbsp;Open Banking Excellence, onwhy the future of open banking hinges on one uncomfortable truth: we cannot scale without confronting risk head\u2011on. Across the ecosystem, fragmentation is slowing growth &#8211; data trapped in silos, inconsistent standards, legacy systems stretched beyond their limits. Helen argues that open finance can unlock extraordinary innovation, but only [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[14,19,21,26,23,27,22],"class_list":["post-1019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","tag-open-banking","tag-open-finance","tag-open-finance-risk-management","tag-risk-management","tag-smart-data","tag-third-party-risk","tag-third-party-risk-management"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Why Open Banking Needs a New Risk Playbook - And Why Now - Invela<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.invela.com\/?p=1019\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Open Banking Needs a New Risk Playbook - And Why Now - Invela\" \/>\n<meta property=\"og:description\" content=\"Invela\u2019s advisor Helen Child,&nbsp;Open Banking Excellence, onwhy the future of open banking hinges on one uncomfortable truth: we cannot scale without confronting risk head\u2011on. Across the ecosystem, fragmentation is slowing growth &#8211; data trapped in silos, inconsistent standards, legacy systems stretched beyond their limits. Helen argues that open finance can unlock extraordinary innovation, but only [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.invela.com\/?p=1019\" \/>\n<meta property=\"og:site_name\" content=\"Invela\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-09T14:43:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-11T15:05:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.invela.com\/wp-content\/uploads\/2025\/12\/image-5.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1850\" \/>\n\t<meta property=\"og:image:height\" content=\"782\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Louisedev\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Louisedev\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.invela.com\/?p=1019#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.invela.com\/?p=1019\"},\"author\":{\"name\":\"Louisedev\",\"@id\":\"https:\/\/www.invela.com\/#\/schema\/person\/889a6d4501145106bcdae2336deabd2f\"},\"headline\":\"Why Open Banking Needs a New Risk Playbook &#8211; 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