Yapily Stays Sidelined in Open-Banking M&A
Yapily is positioning itself around profitability and independence as open-banking consolidation continues across Europe.
Open banking is moving into a more mature phase. The market is no longer just about developer APIs and regulatory enthusiasm; it is increasingly about consolidation, profitability and who can survive as infrastructure margins tighten.
What happened
Yapily’s CEO said the company prefers to stay on the sidelines during open-banking consolidation. The company reported turnover growth from £6.7 million to £16.7 million in 2025, while moving from a £16.2 million loss to a £355,000 profit.
That combination gives Yapily a different story from some open-banking peers that are either selling, merging or cutting back.
Why it matters
Open banking is still strategically important, but the category has become more disciplined. Infrastructure fintechs need to show they can grow without burning excessive capital.
Yapily’s position suggests that some players may wait for stronger terms rather than joining the M&A wave too early.
The bigger picture
The next phase of open banking may be less about hype and more about durable distribution, compliance, payments use cases and profitability. That is a healthier but tougher market for fintech infrastructure startups.