"The financial sector is angry with open banking. Especially when the latest credit laws allow consumer-led data transfers to the introduction of the Mydite, open banking is likely to be a new wave in the conservative sector. This is a general perception of open banking in the country. But when open banking was introduced, it was not easy to find a guide on what should be focused on, especially what should change in the existing financial sector. But it is a very useful guide for how the entire