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Consumer Data Rights as a Financial Asset.
This report explores the concept of consumer data rights as strategic financial assets in 2025, building on the transition from open banking to open finance. It examines regulatory frameworks in various regions, including Australia, the EU/UK, and emerging markets like India. The report analyzes key use cases, valuation approaches, and the role of trust and transparency in digital banking. It also identifies significant risks and challenges, such as cybersecurity threats and consumer adoption hurdles, offering strategic recommendations for stakeholders.
Consumer Data RightsDigital BankingFintech InnovationOpen FinanceRegulatory FrameworksTech Leaders
Naziya Ansari, Ghost Research
2026-01-02
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33Pages of Deep Analysis
25Credible Sources Referenced
10Data Analysis Tables
10Proprietary AI Visuals

Naziya Ansari
5+ Years of Experience
Sectors & Industries
FinancialsInformation TechnologyConsumer Discretionary
Functions & Expertise
Content Strategy & DevelopmentSecondary Market ResearchSEO & Digital Marketing
+1
Perspective.
PurposeTo analyze consumer data rights as strategic financial assets in the evolving landscape of digital finance.
AudienceFinancial institutions, fintech companies, regulators, investors, and technology leaders.
Report LengthComprehensive
Focus Areas.
Industries JobsFinance, fintech, digital banking, regulatory compliance.
Geographic AreasAustralia, EU, UK, USA, India, Singapore, Brazil.
Special EmphasisInnovation, regulation, technology, trust.
Report Layout.
Definition and Global Overview
- Updated Definition of Consumer Financial Data Rights
- Evolution from Open Banking to Open Finance
- Key Regulatory Frameworks
Strategic Asset Value of Consumer Financial Data

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Insights.
Consumer data rights are evolving into strategic assets as open finance expands.Australia leads in regulating consumer data rights through the CDR framework.The EU is advancing PSD3, focusing on financial data access and sovereignty.Trust in digital banking relies on robust consent mechanisms and transparency.Strategic recommendations highlight ecosystem collaboration and AI leadership.Key Questions Answered.