همفکران فناوری شریف
1Introduction
Open banking covers account information and payment initiation, which removes the need for cards.
2Discussion
Merchants gain lower fees, faster settlement and fewer chargebacks; customers get simpler checkout.
Safe rollout needs strong customer authentication, precise consent scope and transparent records.
3Conclusion
Success depends on standardised APIs and broad bank adoption, coordinated by the regulator.
Sources
همفکران فناوری شریفThis article summarises the official sources cited, prepared by the Hamfekran Fanavari Sharif team for finance leaders.
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