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.
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.
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.
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.
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.
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.
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.