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Open Banking·7 min read·

The end of screen scraping

Variable Recurring Payments and FAPI 2.0 will collapse consent overhead for embedded finance. What to plan for in 2026.

Rise Product

Payments & lending

Person using a laptop for digital banking

Screen scraping was always a bridge technology. Bridges are useful — until the river freezes.

Open banking APIs with strong customer authentication and machine-readable consent are now mature enough for production advance products. VRP in particular changes recurring repayment mechanics.

Teams should map consent lifecycles now: creation, refresh, revocation, and portability. Your support tooling will thank you when regulators ask for evidence.

Rise routes new integrations through aggregator partners with webhook-first eventing. Batch file fallbacks still exist, but they're the exception.

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