{"id":203828,"date":"2026-06-11T11:37:35","date_gmt":"2026-06-11T11:37:35","guid":{"rendered":"https:\/\/10pearls.com\/uk\/?p=203828"},"modified":"2026-07-30T10:20:24","modified_gmt":"2026-07-30T10:20:24","slug":"where-ai-creates-value-in-open-banking-data","status":"publish","type":"post","link":"https:\/\/10pearls.com\/uk\/blog\/where-ai-creates-value-in-open-banking-data\/","title":{"rendered":"How AI creates value with open banking data"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"203828\" class=\"elementor elementor-203828\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2499fc84 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2499fc84\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4aa0f4db\" data-id=\"4aa0f4db\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3cfd0083 sec-title elementor-widget elementor-widget-heading\" data-id=\"3cfd0083\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Beyond the API: Where AI Creates Value in Open Banking<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02f9c9d elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"02f9c9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e41ce44\" data-id=\"e41ce44\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-997b2e8 elementor-position-left author-small elementor-vertical-align-middle elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"997b2e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2025\/04\/10p-circle-logo.svg\" class=\"attachment-full size-full wp-image-128512\" alt=\"10p-circle-logo\" loading=\"lazy\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">By 10Pearls editorial team<\/p><p class=\"elementor-image-box-description\">A global team of technologists, strategists, and creatives dedicated to delivering the forefront of innovation. Stay informed with our latest updates and trends in artificial intelligence, advanced technology, healthcare, fintech, and beyond. Discover insightful perspectives that shape the future of industries worldwide.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6cf70d8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6cf70d8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-980456a\" data-id=\"980456a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56065a2 blog-menu-hd elementor-widget elementor-widget-text-editor\" data-id=\"56065a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"blog-menu-hd\"><b>Blog contents<\/b><\/p><ul id=\"homeAnchorMenu2\" class=\"blog-menu\"><li><a data-target=\"#01\">Open banking <\/a><\/li><li><a data-target=\"#02\">Beyond connectivity: where AI creates the value <\/a><\/li><li><a data-target=\"#03\">AI-powered open banking use cases <\/a><\/li><li><a data-target=\"#04\">Snapshot of our work in the financial sector<\/a><\/li><li><a data-target=\"#05\">The way forward for fintechs <\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-61c27082 e-con-full e-flex e-con e-parent\" data-id=\"61c27082\" data-element_type=\"container\" data-e-type=\"container\" id=\"01\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3193d0f0 location-heading elementor-widget elementor-widget-heading\" data-id=\"3193d0f0\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"01\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Open banking<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eccbec1 elementor-widget elementor-widget-text-editor\" data-id=\"eccbec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Open banking is one of the key components in KSA\u2019s national fintech strategy, which itself is a core pillar of the Financial Sector Development Program (FSDP) under Saudi Vision 2030. However, fintechs in Saudi Arabia are rapidly realizing that getting access to open banking data, even as first movers, is not enough of a differentiator. How that data is leveraged will define success in the coming years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc88ca3 elementor-widget elementor-widget-image\" data-id=\"cc88ca3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2222\" height=\"1270\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1.webp\" class=\"attachment-full size-full wp-image-204524\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1.webp 2222w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1-300x171.webp 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1-1024x585.webp 1024w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1-768x439.webp 768w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1-1536x878.webp 1536w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/AdobeStock_1556543147-1-2048x1171.webp 2048w\" sizes=\"auto, (max-width: 2222px) 100vw, 2222px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-504fbb6c e-flex e-con-boxed e-con e-child\" data-id=\"504fbb6c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12c3f806 location-heading elementor-widget elementor-widget-heading\" data-id=\"12c3f806\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"02\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Beyond connectivity: where AI creates the value <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609f2aa0 elementor-widget elementor-widget-text-editor\" data-id=\"609f2aa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The open banking mandate requires participating banks to expose customer data through standardized APIs, whose specifications are outlined in the open banking Framework. From the perspective of the fintech accessing this data, the APIs form just the first layer of a five-layer stack that converts raw data into valuable financial products.<\/p><p>Let\u2019s take a look at this stack.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7719e0 elementor-widget elementor-widget-image\" data-id=\"e7719e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1222\" height=\"796\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/Frame-5-1.png\" class=\"attachment-full size-full wp-image-204226\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/Frame-5-1.png 1222w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/Frame-5-1-300x195.png 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/Frame-5-1-1024x667.png 1024w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/Frame-5-1-768x500.png 768w\" sizes=\"auto, (max-width: 1222px) 100vw, 1222px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5852a0a1 elementor-widget elementor-widget-heading\" data-id=\"5852a0a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Layer-1: Bank connectivity  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31ae3ef3 elementor-widget elementor-widget-text-editor\" data-id=\"31ae3ef3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Layer-1 is where a fintech licensed by SAMA \u2013 Saudi Central Bank (Previously, Saudi Arabian Monetary Authority) receive open banking data with customer consent, by connecting to banks&#8217; APIs.<\/p><p><strong>Key insight:<\/strong> Once the data is in the fintech environment, they become responsible for its protection as per Saudi Arabia&#8217;s Personal Data Protection Law (PDPL).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fdcabbf elementor-widget elementor-widget-heading\" data-id=\"7fdcabbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Layer-2: Core data engine <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79878a80 elementor-widget elementor-widget-text-editor\" data-id=\"79878a80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Layer-2 handles two critical aspects of open banking data: consent management (a key compliance requirement) and data organization, typically covering data ingestion, normalization, and categorization.<\/p><p><strong>Key insight:<\/strong> At Layer-2, the data is useful for a range of conventional fintech products, but it\u2019s not AI-ready yet. Even if AI tools are used for data normalization and categorization, it&#8217;s not counted towards the AI-driven value AI-augmented open banking can generate for a fintech.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39480d53 elementor-widget elementor-widget-heading\" data-id=\"39480d53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Layer-3: Data enrichment <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f950503 elementor-widget elementor-widget-text-editor\" data-id=\"5f950503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Layer-3 is the bridge between open banking connectivity and the AI-driven value that can be extracted from the data. Normalized data from Layer-2 is made AI-ready through cleaning, pre-processing, and transformation.<\/p><p><strong>Key insights:<\/strong> Layer-3 is where commodity infrastructure starts to turn into a competitive advantage. Critical data decisions ensure optimal model outputs by improving the quality of the data it\u2019s ingesting. Lineage and audit controls are embedded for improved data visibility and governance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6877a5ad elementor-widget elementor-widget-heading\" data-id=\"6877a5ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Layer-4: AI\/ML engine <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f633192 elementor-widget elementor-widget-text-editor\" data-id=\"5f633192\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Relevant AI capabilities spanning from intelligent customer segmentation to decision intelligence, are applied to the enriched data at Layer-4. Critical model decisions are made in this layer too, like selecting models with built-in explainability where regulated products require decisions to be justified and audit ready.<\/p><p><strong>Key insights:<\/strong> Tailored AI systems can be designed with the right mix of ML models, foundation models, guardrails, security controls, and custom logic, with NLP (Natural Language Processing) being used for context awareness across both Arabic and English data sources.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-637d44f0 elementor-widget elementor-widget-heading\" data-id=\"637d44f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Layer-5: Revenue products <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f93437d elementor-widget elementor-widget-text-editor\" data-id=\"1f93437d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Layer-5 is where open banking connectivity and value-added AI meet market knowledge to build revenue-generating financial products. <br \/><br \/><strong>Key insight:<\/strong> As open banking access becomes standardized, competitive advantage will come from what fintechs build on top of it. Hyper-personalization and granular segmentation let fintechs target smaller customer pools at higher conversion rates, opening niche markets traditional banks overlook.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-643f5c6c elementor-widget elementor-widget-heading\" data-id=\"643f5c6c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"03\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AI-powered open banking use cases <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f0bbae3 elementor-widget elementor-widget-text-editor\" data-id=\"5f0bbae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tA few use cases that might help you understand what you can build with AI and open banking data:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1599d0 elementor-widget elementor-widget-heading\" data-id=\"a1599d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Income verification without traditional documentation <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa4d89 elementor-widget elementor-widget-text-editor\" data-id=\"8fa4d89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Prove income from bank transactions alone, reducing dependencies on manual documentations and verification processes. By reading consented transaction history, this kind of product identifies and labels where a person&#8217;s money comes from: salary, government transfers, rent, freelance work, or investment returns.<\/p><p>The history is pulled and normalized in Layers-1 and 2, and enriched in Layer-3. Then models that are fine-tuned for Arabic and banking, identify and score income sources with confidence, stability, and reliability scores.<\/p><p>Lenders, landlords, BNPL providers, and insurers can use this to build products for large, underserved segments \u2014 significant in a market with a major expatriate workforce and a growing gig economy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e072d2 elementor-widget elementor-widget-heading\" data-id=\"7e072d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Transforming transaction data into meaningful financial information <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a316b29 elementor-widget elementor-widget-text-editor\" data-id=\"a316b29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Turn unstructured transaction data into clear, embedded financial insights. This kind of product converts raw transactions into clean categories, behavioral patterns, and forward-looking insights. This includes decoding cryptic entries like &#8220;POS 04382 RYD&#8221; into recognizable merchant names and categories, identifying spending and savings habits over time, and generating ready-to-use outputs such as monthly breakdowns, savings opportunities, and unusual-spending alerts. <br \/><br \/>A variety of financial services providers like banks, neobanks, wealth managers, and loyalty platforms can leverage these insights to power a B2B2C model, well-suited to the Saudi Arabia&#8217;s fast-accelerating digital-banking adoption, led by names like STC Bank and D360.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b131cf1 elementor-widget elementor-widget-heading\" data-id=\"b131cf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assessing creditworthiness beyond credit bureaus <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3221874 elementor-widget elementor-widget-text-editor\" data-id=\"3221874\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Score creditworthiness from how someone actually banks, not just their bureau history. This kind of product turns behavioral data into a risk assessment that responsibly underwrites the thin-file and unbanked customers traditional bureaus can\u2019t reach. <br \/><br \/>Over 200 behavioral signals like income stability and expense volatility are leveraged to assess risk and affordability, updated almost in real time as new transactions arrive. Explainable ML models return a clear score, risk band, and the reasons behind it. <br \/><br \/>Banks, BNPL providers, and SME lenders can build on it. With a young population and fast-expanding SME sector, it&#8217;s one of the high-value product the stack enables in Saudi Arabia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2017829 elementor-widget elementor-widget-heading\" data-id=\"2017829\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How it fits together: from raw data to revenue products <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-893d074 elementor-widget elementor-widget-image\" data-id=\"893d074\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2179\" height=\"1453\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1.webp\" class=\"attachment-full size-full wp-image-204525\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1.webp 2179w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1-300x200.webp 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1-1024x683.webp 1024w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1-768x512.webp 768w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1-1536x1024.webp 1536w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/06\/software-developers-coding-together-in-a-modern-of-2026-01-22-05-16-02-utc-1-2048x1366.webp 2048w\" sizes=\"auto, (max-width: 2179px) 100vw, 2179px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7abb2d3 elementor-widget elementor-widget-text-editor\" data-id=\"7abb2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>All three (and many more like these) use cases may be served by the same Layer-1 and Layer-2 and a largely shared Layer-3 \u2014 same architecture, different logic and controls. Even in Layer-4, the same foundation model can power the language understanding and much of the reasoning across all three. Architecturally, there are differences \u2014 batch versus real-time pipelines, for instance \u2014 but all three are still just implementations on one shared platform. This highlights the enormous potential of launching new financial products with the right AI-augmented Open banking foundation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2164d93 e-con-full e-flex e-con e-child\" data-id=\"2164d93\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1f4fa16 e-con-full e-flex e-con e-child\" data-id=\"1f4fa16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3035e7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c3035e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">10Pearls: The right technology partner for AI-augmented \nopen banking<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f805402 e-con-full e-flex e-con e-child\" data-id=\"f805402\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-99ee1d1 e-con-full e-flex e-con e-child\" data-id=\"99ee1d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b999df3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b999df3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A deep understanding of customer needs, market trends, and underserved segments is a strong starting point for fintechs. Even a general idea of a solution can be shaped into a revenue-generating product with the right technology partner. <br \/><br \/>As an AI-native digital engineering partner with over two decades of experience working with the financial industry, we possess a deep understanding of the regulatory landscape. We have supported fintech innovation at scale, and offer end-to-end AI development capabilities, making us well-positioned to help financial institutions build and scale AI-powered open banking products.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b237ba6 elementor-widget elementor-widget-heading\" data-id=\"b237ba6\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"04\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Snapshot of our work in the financial sector <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4b2f8d elementor-widget elementor-widget-text-editor\" data-id=\"f4b2f8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Modern, AI-powered banking platforms:<\/strong> We design cloud-native, API-first banking platforms with ML-driven personalization. It\u2019s an architectural pattern a multi-tenant Open banking platform requires. (<a href=\"\/portfolio\/personalizing-banking-with-ai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Case study<\/span><\/a>)<\/li><li><strong>Secure, real-time data integration:<\/strong> For an investment manager, we built a secure portal pulling live data from Oracle Fusion Cloud ERP, enabling adoption across 10,000 distributors. (<a href=\"\/portfolio\/distributor-insights-transformation\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Case study<\/span><\/a>)<\/li><li><strong>Agentic AI for financial operations:<\/strong> We built an agentic AI financial assistant using FinBERT with GPT-4, automating reconciliation and delivering personalized, data-driven financial insights. (<a href=\"\/portfolio\/elevating-financial-management-with-agentic-ai\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Case study<\/span><\/a>)<\/li><li><strong>Intelligent automation for financial decisions:<\/strong> For an equipment-financing provider, we used Salesforce and Einstein AI workflows to automate loan and claims processing to accelerate approval cycles and improve accuracy and compliance oversight. (<a href=\"\/portfolio\/salesforce-intelligent-automation-financial-services\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Case study<\/span><\/a>)<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aabac48 elementor-widget elementor-widget-heading\" data-id=\"aabac48\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"05\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The way forward for fintechs <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c78589 elementor-widget elementor-widget-text-editor\" data-id=\"3c78589\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fintechs in Saudi Arabia are already investing in the infrastructure to access open banking data through banks&#8217; APIs and meet SAMA&#8217;s technical requirements. The pragmatic next step is to start building towards AI-driven open banking platforms capable of powering a wide range of revenue-generating financial products. As an AI-first partner with deep financial industry experience, 10Pearls can help you build the intelligence layers on top of the connectivity you&#8217;re already building, turning open banking into new revenue streams.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Every fintech company with an open banking license in Saudi Arabia must build the basic infrastructure to receive open banking data. With the right data enrichment layers built into this architecture and integrated into the right AI\/ML engine, fintech companies can start extracting measurable value from their open banking data and use it to develop revenue-generating financial products.<\/p>\n","protected":false},"author":76,"featured_media":203919,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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