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The leading open finance APIs in APAC
Curated profiles of the providers most teams shortlist for Asia-Pacific use cases. Bank counts are computed from our index and update with each deploy.
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AustraliaAustralia's leading CDR-accredited data platform — bank account data and analytics under the Consumer Data Right, widely used by Australian fintechs and lenders.
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New Zealand22 APAC banksNew Zealand's open finance aggregator — account data and payments across NZ banks through a single API, ahead of a formal CDR regime.
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Hong Kong + APAC23 APAC banksPan-APAC bank-data aggregator connecting accounts across Hong Kong, Singapore and other Asian markets for lending and PFM use cases.
Southeast AsiaSoutheast Asian open finance — account data and bank payments across Indonesia, the Philippines, Vietnam and more, via direct bank integrations.
Open finance regulation by country
Asia-Pacific spans the full spectrum — mandated rights, regulated networks, and market-led exchanges. Where each major market stands:
| Country | Framework | Status | Notes |
|---|---|---|---|
| Australia | Consumer Data Right (CDR) | Live | Economy-wide CDR; banking sector live since 2020 with accredited data recipients. |
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| Hong Kong | HKMA Open API Framework | Active | Phased HKMA Open API framework for banking. |
 Japan | Banking Act (open APIs) | Active | Banks required to offer open APIs to registered third parties. |
| Indonesia | SNAP (Open API Payment) | Active | Bank Indonesia's national open API payment standard. |
| New Zealand | Consumer Data Right (CDR) | Upcoming | CDR designation for banking underway; Payments NZ API standards already live. |
Other aggregators with Asia-Pacific coverage
12 more aggregators index Asia-Pacific banks. Click through for full profiles and bank lists.
Asia-Pacific open finance — frequently asked
There is no single leader. Australia (the economy-wide Consumer Data Right) and India (the RBI Account Aggregator network) are the most advanced, by very different models, with South Korea's MyData regime close behind.
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