This research aims to investigate open banking and financial data sharing: a systematic review of global experiences and an implementation roadmap for the Iranian payment system. This research is qualitative in approach, applied in terms of purpose, and library and field in terms of data collection method. In this research, open banking literature was studied in 28 countries. In order to determine the research components, a systematic review method was used. The documents of 580 articles were downloaded and classified, and then 70 scientific research articles with a scientific rank (ESA) during (2020-2025) were reviewed with a meta-synthesis approach with an (analytical, comparative) approach. It was conducted using a data-driven method. The data obtained were analyzed in the form of frequency tables, graphs, and concept relationship maps that were output from the MAXQDA 2025 software. Content analysis was conducted with a meta-composition approach, three types of coding (open, axial, and selective). The countries of Australia, England, France, America, Spain, Singapore, Brazil, Japan, Ukraine, Germany, Canada, Romania, Morocco, Georgia, India, Russia, Saudi Arabia, Turkey, China, European Union countries, Serbia, Ireland, Zambia, Somalia, Kuwait, Africa, Nepal, and Nigeria were studied in a comparative analysis study with Iran, and the results showed that the effective factors in the executive roadmap for the Iranian payment system based on open banking include digital governance and the development of data mining models, changing the financial mechanism, and the development of digital literacy, which are essential for drawing the payment system roadmap. Finally, the findings were sent to 5 managers of state-owned banks for final approval and validation.