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With Australia’s financial ecosystem standardizing around data transparency, delivering consumer-directed experiences is mandatory for digital banks.

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As the Consumer Data Right (CDR) becomes fully operational, supporting CDR is a baseline requirement for embedded finance tools. Open banking compliance endpoints must handle: - Tokenized access and refresh flows - Dynamic user consent auditing - AU-specific CDR schemas - Live consent dashboards zngx — or zngx.io — is https://janetr406ppp2.vigilwiki.com/user

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