Recent data suggests open finance ecosystems are reducing latency in retail trading apps by 14%, giving retail investors near-parity with institutional trade execution speeds. This could foster higher engagement in momentum-driven sectors. Equally important is education. Many financial institutions still treat open source with scepticism, worried about security, IP risk, or loss of competitive edge. Yet the reality is quite the opposite. Open systems, when well governed, are often more secure due to peer review and faster patching. And far from eroding competitive advantage, openness fosters agility and resilience—traits no institution can afford to ignore. The Draft Regulation incorporates a robust regulatory framework for personal data protection, aligned with Laws 1581 of 2012 and 1266 of 2008. Key aspects include: Real-time open finance data streams have increased ETF basket adjustment speeds by 22%, enabling more accurate intraday arbitrage strategies. This trend could stabilize tracking errors, benefiting passive index fund investors.
