Q04 · Tools & LanguagesAssess◌ NewHorizon: 12-18 mo

Agent & Tool Protocols for Open Banking

Emerging standards for how financial agents discover and call open-banking APIs safely.

As agentic assistants begin acting on customers' behalf across institutions, standardising safe, consented tool-call protocols for open-banking APIs is an early but important space to watch.

Sequencing

Builds on LLM Observability for Financial AI

Agent & Tool Protocols across other industries

Emerging standards for how agents discover tools, call them and talk to each other.

Platform

From the Financial Services Emerging Technology & Innovation Radar, Edition 2026.1, published 2026-10-01.

An independent, industry-agnostic radar curated by Shailesh Kumar.