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Open Banking as SME Collateral

Open Banking Proposed as Structural Collateral for SME Credit Access

Unverified — auto-generated summary, not yet reviewedFintech & PaymentsGhanaSep 14, 2026

New analysis argues that open banking frameworks could enable business cash-flow data to function as collateral for SME lending, representing a structural shift in how credit is underwritten for small businesses. The framing carries direct implications for fintech lenders building alternative credit products.

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