Complete toolkit for the EU Financial Data Access (FIDA) Regulation and Open Finance 2.0. Covers FIDA data scope mapping, FIP authorisation readiness, permission scheme scoping, API monetisation modelling, cross-sector data obligation mapping, open finance revenue modelling, and business case ROI analysis.
Seven standalone browser tools covering every stage of the FIDA compliance and open finance strategy journey — from initial data scope mapping to FIP authorisation readiness, API monetisation, and 5-year business case modelling. All tools run in your browser with no account required.
Maps data categories (banking, investment, insurance, pension) into FIDA scope with phased implementation timelines. Identifies in-scope data holders, access rights, and cross-references with PSD2/PSD3 obligations by institution type.
Open ToolDetermines which data categories fall under the FIDA permission scheme versus existing PSD2/open banking obligations. Flags overlapping consent requirements and maps GDPR Article 20 data portability interactions.
Open ToolMaps insurance, pension, mortgage, and investment data into FIDA scope with Phase 1/2/3 implementation timeline. Identifies which cross-sector data holders are captured and when obligations come into force by product category.
Open ToolGaps FIP licence applications against FIDA Article 14–25 authorisation requirements with a readiness score, gap table, and prioritised remediation actions. Covers governance, technical standards, liability, and professional indemnity requirements.
Open ToolModels tiered API pricing revenue, cost-to-serve analysis, margin by tier, and break-even timeline for open finance API products. Scenarios include freemium, pay-per-call, subscription, and premium data licensing.
Open ToolModels revenue scenarios for financial data products under open finance frameworks. Covers data-as-a-service, enrichment APIs, analytics products, and embedded finance data licensing with sensitivity analysis.
Open Tool5-year ROI model with NPV, payback period, and sensitivity analysis for open finance investment decisions. Covers implementation cost, run-rate cost, revenue ramp, and regulatory cost-avoidance scenarios across FIDA, PSD3, and CFPB §1033.
Open Toolv1.0 · June 2026 · 7 tools · Category 29 · FIDA & Open Finance 2.0
Follow this six-stage workflow to move from initial FIDA scope assessment through to an investment-grade open finance business case.
Use T360 and T410 together to determine which data categories across banking, investment, insurance, and pension are in scope and when Phase 1/2/3 obligations apply.
Run T408 to determine which data falls under the FIDA permission scheme versus existing PSD2/PSD3 consent obligations, and identify GDPR Art. 20 overlaps.
If pursuing a Financial Information Provider licence, use T407 to gap your application against FIDA Art. 14–25 and generate a prioritised readiness action plan.
Use T409 to model tiered API pricing scenarios, cost-to-serve, and break-even timelines for your open finance API product portfolio.
Use T377 to model revenue scenarios for data products — enrichment APIs, analytics, and embedded finance data licensing — with sensitivity analysis.
Feed T409/T377 outputs into T411 to build a 5-year NPV business case with payback period and sensitivity analysis ready for investment committee.
Map FIDA scope, model API monetisation strategies, and build investment cases for open finance data product expansion under FIDA and PSD3.
Assess cross-sector data obligations, map insurance/pension data into FIDA scope, and model data product revenue across open finance frameworks.
Gap FIDA permission scheme requirements against existing PSD2 consent arrangements, check GDPR Art. 20 overlaps, and prepare FIP licence applications.
Model tiered API pricing, cost-to-serve, and break-even timelines. Use T407 to understand FIDA technical standards for FIP API specifications.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel — FIDA is at proposal stage and RTS are in development.
COM/2023/360 Financial Data Access Regulation. Data holder obligations, FIP authorisation (Art. 14–25), permission scheme, and phased data scope implementation timelines across banking, insurance, pension, and investment.
PSD3 (COM/2023/366) replaces PSD2. Account data access, SCA, open banking API standards, and liability regime. FIDA permission scheme overlaps and delineation from PSD3 access rights.
CMA Open Banking Order. OBIE API specifications, AISP/PISP regulatory framework, and Consumer Duty obligations for open banking-derived services. Comparative baseline for FIDA scope assessment.
Personal Financial Data Rights (Oct 2024). Consumer-authorised data sharing for covered data providers. Third-party access conditions, revocation rights, and developer interface standards — a global comparative baseline.
Open T360 FIDA Data Scope Mapper to map your data categories into FIDA scope. Then run T410 Cross-Sector Scope Mapper if you hold insurance, pension, or investment data.
Use T408 Permission Scheme Scope Checker to delineate FIDA from PSD2 obligations. If applying for a FIP licence, run T407 FIP Authorisation Readiness Builder for a gap score against Art. 14–25.
Run T409 API Monetisation Calculator for tiered pricing scenarios, then use T377 Data Product Revenue Modeler to model data-as-a-service, analytics, and embedded finance revenue streams.
Feed T409 and T377 outputs into T411 Open Finance Business Case ROI Modeller to generate a 5-year NPV model with payback period and sensitivity analysis for investment committee approval.
All 7 tools expose structured outputs compatible with the AINumbers MCP manifest.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T360 | map_fida_data_scope | institution_type, data_categories[], member_state | in_scope_data{}, phase_timeline{}, psd2_overlap[] |
| T377 | model_open_finance_data_product_revenue | product_type, pricing_model, volume_assumptions{} | revenue_scenarios{}, sensitivity_table{}, payback_months |
| T407 | assess_fida_fip_authorisation_readiness | applicant_profile{}, existing_authorisations[], capabilities{} | readiness_score, gap_table{}, remediation_actions[] |
| T408 | check_fida_permission_scheme_scope | data_categories[], existing_consents[], institution_type | fida_scope[], psd2_overlap[], gdpr_art20_flags[] |
| T409 | model_open_finance_api_monetisation | api_tiers[], cost_to_serve{}, call_volume_forecast{} | revenue_by_tier{}, margin_analysis{}, break_even_months |
| T410 | map_fida_cross_sector_data_scope | sectors[], products[], member_state | phase_map{}, data_holder_obligations{}, in_force_dates{} |
| T411 | model_open_finance_business_case_roi | investment_costs{}, revenue_inputs{}, discount_rate, horizon_years | npv, irr, payback_period, sensitivity_matrix{} |