Designing the Future of Finance

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Artificial Intelligence is reshaping financial services, but its success depends on the infrastructure that powers data access, control, and interoperability. This course explores how Open Banking, Open Finance, and platform-based models are transforming the design and delivery of financial services around the world. You’ll examine how regulatory frameworks, API ecosystems, and evolving consumer expectations are enabling smarter, more personalized financial products. Building on the foundation of Open Banking, you’ll learn how Open Finance expands access to a broader set of financial data and what this means for innovation, competition, and inclusion. Through real-world case studies, strategic insights, and global policy comparisons, this course offers a practical, forward-looking view of the open financial ecosystem. Whether you’re a policymaker, technologist, financial professional, or curious learner, you’ll come away with the context and confidence to engage with the future of AI-enabled finance. By the end of the course, you will be able to: • Explain the evolution of financial infrastructure from traditional institutions to open, platform-based ecosystems. • Describe the core principles, objectives, and regulatory frameworks underpinning Open Banking and Open Finance initiatives. • Evaluate the strategic role of data accessibility and interoperability in enabling AI applications in financial services. • Analyse real-world case studies that illustrate how Open Finance and AI are being implemented globally. • Identify the opportunities and challenges presented by embedded finance, disintermediation, and platform envelopment. • Assess how emerging financial infrastructure impacts the design and deployment of intelligent, data-driven financial products. This is the second course in the 'AI in Financial Services: Foundations through Future Trends' specialization. We recommend completing 'AI Fundamentals in Financial Services' course first for a strong foundation before exploring the technologies and strategies shaping the future of Open Finance.

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Pinar Ozcan

Professor of Entrepreneurship and Innovation