Open Banking + AI: the duo redefining business financial analysis

Introduction

Open Banking has changed how we access financial data. Combined with artificial intelligence (AI), it allows banks, insurers, fintechs, brokers and enterprises to move from static reporting to real-time, predictive, explainable scoring.

In 2025, the Open Banking + AI duo is reshaping B2B financial analysis: faster, more inclusive, and more transparent.

1) Open Banking: unlocking real-time data

• Direct API access to business bank accounts.

• Standardised, secure flows (PSD2 & PSD3).

• Fresh data: cash inflows, payments, liquidity.

👉 Cuts analysis delays, removes dependency on annual filings.

2) The limits of Open Banking alone

• Raw data is complex, noisy.

• Large volumes hard to interpret.

• Lacks context (no accounting or legal view).

👉 AI is needed to make sense of it.

3) How AI adds value

• Prediction: detect weak signals of deterioration.

• Segmentation: adapt models to SMEs, startups, ETIs.

• Explainability (XAI): factor-level breakdowns for each score.

• Automation: real-time processing of thousands of transactions.

4) Use cases

• Bank: cut loan decision time from 3 weeks to 24h.

• Insurtech: automate underwriting with real-time scoring.

• Broker: pre-check solvency before submission.

• Fintech: embed API scoring in client onboarding.

• Enterprise: monitor critical suppliers continuously.

5) Checklist for a strong Open Banking + AI solution

• API-first (bank feeds + RocketFin).

• Sub-500ms latency.

• Explainable models with factor outputs.

• Multi-source data (banking + accounting + legal).

• Inclusive scoring for SMEs/startups.

• Compliance: PSD2/PSD3 + GDPR + AI Act.

Conclusion

Open Banking and AI are not buzzwords. Together, they redefine financial analysis: faster, more precise, more inclusive.

👉 RocketFin delivers real-time, explainable, inclusive scoring through APIs and webhooks.