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I'm able to click the link and visit the post, not sure what's the problem you're facing, anyway giving below its URL, push comes to shove, you can always copy-paste:

https://www.finextra.com/blogposting/22155/open-banking-eu-v-usa

My linked post explains how USA has achieved runaway success in "Open Banking".

tl;dr: It's not by clicking a button labeled OPEN BANKING - literally or metaphorically. If anything, it's by doing exactly the opposite. 

Unsolicited $0.02 for your follow up posts (or even for editing the present one): Don't baseline Open Banking on EU. It's only a law there. By way of market adoption, markets like USA have trounced EU by a factor of 10.

Open Banking: EU v. USA.

The way ~6000 open finance apps work in USA, customers clearly decide what data they want shared across the open finance ecosystem and NOT by clicking a button labeled OPEN BANKING.

Oracle (Disclosure: Ex employer) and half a dozen other fincumbents have been supplying private banking / private wealth management solutions to banks for 30+ years.

Like it probably postured to disrupt UBS and other traditional private banks and private wealth management businesses with its B2C business model at inception, I'm guessing Onyx Private will posture to disrupt all these fincumbents with its B2B business model now.

Who knows, it might even work: There's a sucker born every minute, as they say; people have short memory;  and disrupting traditional banks and tech companies always has strong product zeitgeist fit.

10 years is probably too long.

There's already ample evidence that "software can be made by people with no technical background, collaborating with an AI."

That includes me: Will ChatGPT Kill Coders?. 

I have two questions: 

1. "allows PSPs to delay the execution of an outbound payment transaction by up to four business days from the time the order". Order means payment instruction from payer or order from, say, HM Treasury to review / reverse the payment?

2. "The liability split 50%/50% between payer and payee". Between payer and payee or between payer bank and payee bank?

On a side note, this move totally confirms my last year's prediction that "Banks will thank regulators for providing the chance to delay payments and earn float income under the pretense that they're "carrying out extra due diligence on the authenticity of the payment"."

LOL I never thought I'd see a line out of Lewis Carroll in the title of a blog post on finance!

Seems like yet another exhibit of rogue regulation. Hope US Chamber of Commerce wins this lawsuit à la Grayscale won its case against SEC, which led to the approval of Bitcoin ETF. 

LOL this totally confirms my prediction that "Banks will thank regulators for providing the chance to delay payments and earn float income under the pretense that they're "carrying out extra due diligence on the authenticity of the payment"."

I agree with RBI's Enforcement Actions like Reg PayTM and Reg BPSP, even if some have found it disproportionately harsh.

I disagree with RBI's "throw baby out with the bathwater" policy making like Reg Emandate, Reg PPI and Reg UL.

My Two Cents On PayTM Kerfuffle.

If a poor country like India has any chance of leveraging emerging market dynamics and become a middle income country within the forseeable future, it can only be by being entrepreneurial, taking risks and exhibting "animal spirits", as various politicians and government leaders have regularly highlighted. RBI's extreme aversion to risk in policy making is more suited to countries that are already rich and must prioritize capital protection over growth à la how PWM / Private Banking customers behave versus how Retail Banking customers behave. 

You can find my take on NatWest v. India BNPL in my comment below the article.