Monetizing Open Banking: Commercial Banking Opportunities

Learn how leading banks can monetize open banking and deepen commercial relationships.

Commissioned with Cornerstone Advisors, this report explores how open banking can move beyond compliance and become a source of revenue, stronger business customer relationships, and competitive differentiation. It outlines six distinct commercial banking opportunities, from cash flow-based lending and faster credit decisions to payment initiation, multi-bank data aggregation, and fee income from API access.

What you’ll learn

• Why open banking is a revenue opportunity, not just a regulatory requirement
• The six key ways banks can monetize open banking in commercial banking
• How better connectivity improves lending, payments, and treasury workflows
• Why direct, reliable data infrastructure is critical to long-term growth

Why Ninth Wave

Ninth Wave is the leading provider of secure data connectivity between financial institutions and third-party applications—including aggregators, fintechs, ERP systems, tax preparation platforms, and more.