Open Banking Limited (OBL), formerly known as the Open Banking Implementation Entity (OBIE), is a leading brand in the UK's banking industry. OBL has developed the world-leading Open Banking Standard and industry guidelines to promote competition, innovation, and transparency in retail banking in the UK. With over 7 million active users, both consumers and SMEs, OBL's implementation of open banking has empowered users with financial management apps and payment tools tailored to their specific needs.

OBL's core focus is on three key areas: bringing open banking to life, supervisory activities, and providing critical services and infrastructure. In terms of bringing open banking to life, OBL champions the ecosystem by developing the Open Banking Standard, promoting participation, and offering valuable insights and research. OBL also plays a vital role in providing critical services and infrastructure, such as operating the Open Banking Directory and ensuring the highest standards of security and counter-fraud.

As OBL transitions to the future entity, it continues to support the ecosystem and fulfill its regulatory obligations. OBL's commitment to driving competition, innovation, and transparency makes it a trusted partner for businesses, consumers, and the wider UK fintech sector