Open Banking, which was brought into inception two years ago, was predicted by many to spark a revolution in consumer finance. However, its full potential remains largely untapped. Open Banking platforms have the capacity to address unmet needs of SMEs, provide better outcomes for those in problem debt, and be at the forefront of the fight against financial fraud in 2020. 

https://www.finextra.com/blogposting/18320/2020-to-release-full-potential-of-open-banking