Answer Pay is using Open Finance to democratise access to transaction data and power the next generation of payment experiences Our certified “Payments as a Service” platform connects payment service providers to Request to Pay, the new two-way messaging standard for experience-rich payments. Complementing existing payment infrastructure, it standardises the provision of transactional data from utility companies and other billers that third parties can use to create innovative payment relationships. This helps to reduce the cost of cash collection for billers whilst enabling payers to have a very individual and personal experience that is tailored to their needs. Placing financial institutions at the centre of the bill payment experience ensures end to end bank-grade security. However, it isn’t always easy for banks to bring differentiated services to market. Our API based access removes the technology challenges so banks can maximise their revenue opportunity.