How Fintech Is Using Open Banking for Subscription Management

In this episode of Fintech Conversations, Lucas and Luna explore how open banking APIs are enabling a new wave of subscription management tools. They focus on the case of a UK-based startup called Yapily, which uses open banking to give consumers a single dashboard to view, manage, and cancel recurring payments across accounts. Lucas explains how Yapily's technology taps into standardized banking APIs to aggregate subscription data in real time, and discusses the broader trend of fintechs using open banking to solve the 'subscription fatigue' problem. They also touch on regulatory differences between the UK, EU, and US, and what this means for consumer control. The episode ties in recent 2025 data showing that the average consumer spends nearly $250 per month on subscriptions, with many unaware of active charges. Lucas and Luna debate whether this represents a genuine innovation in personal finance management or just a niche tool for the organized few. #Fintech #OpenBanking #SubscriptionManagement #Yapily #PersonalFinance #APIs #Banking #Payments #ConsumerFinance #FintechStartups #RegulatoryTech #UKFintech #Business #Technology #FexingoBusiness #BusinessPodcast #Podcast #Finance Keep every episode free: buymeacoffee.com/fexingo