Alternatives to Datanomik

Plaid is an international data network that powers tools used by millions of people to live a more healthy financial life. Our ambition is to facilitate an inclusive, competitive and mutually beneficial financial systems by simplifying payments and revolutionizing lending. Plaid works with more than 8,000 companies, including fintechs such as Venmo and SoFi and several Fortune 500 companies, to give people more control and choice over how they manage money. Plaid is headquartered in San Francisco and its network spans more than 12,000 institutions throughout the US, Canada UK and Europe.

SBS Banking Platform is a flexible, cloud-native solution that empowers financial institutions to scale at their own pace, offering seamless, digital-first experiences anytime and anywhere. As a fully integrated, front-to-back platform, it drives innovation across a wide range of sectors, including retail, corporate, and neobanking. Whether it’s digital and open banking, deposits, payments, lending, or compliance, SBS Banking Platform provides the tools and infrastructure needed for financial institutions across EMEA to stay ahead of the competition. The platform’s versatility allows for tailored solutions, enabling banks to innovate and meet evolving customer demands. Trusted by top-tier banks, SBS Banking Platform is widely recognized by industry leaders such as Gartner, Forrester, NelsonHall, and IBS for its transformative impact on the financial services landscape. Recent accolades, including recognition by Omdia for digital banking, Chartis for regulatory reporting, and NelsonHall for Cloud, SaaS & BPaaS, highlight the platform’s role in driving progress and excellence in the financial sector.

finAPI serves as a reliable and user-friendly platform that connects businesses, financial institutions, and individual users seamlessly. Our open banking API empowers organizations to retrieve and analyze account information, as well as facilitate payments on behalf of their clients. Additionally, we provide essential support for banks and financial service firms through an XS2A server, which ensures compliance with the PSD2 directive for third-party providers. With its adaptability and flexibility, finAPI is consistently prepared to tackle new challenges. We assist in the development of cutting-edge financial services that bring genuine benefits to both your business and your clientele. By improving data accessibility, we foster innovation and streamline processes significantly. finAPI’s advanced data intelligence modules offer in-depth financial data analysis, including categorization, cash flow insights, risk assessments, and contract identification. The integration of data enrichment, AI, and machine learning techniques guarantees unparalleled data quality and optimal outcomes, paving the way for future advancements in the financial sector. Our commitment to continuous improvement makes finAPI a vital partner in navigating the evolving landscape of finance.

Fino.digital stands at the forefront of innovation in the realm of account and data analysis technologies. We specialize in crafting tailored software solutions for our clients and partners, unlocking opportunities for new business models in both B2B and B2B2C markets. Our mission is to transform data into actionable insights that provide significant value to our customers through our cutting-edge data analytics solutions. Utilizing AI-driven analytics, our technologies examine account transactions authorized by individual or business clients in real time, generating crucial information regarding financial situations, credit assessments, contractual obligations, and even identifying pivotal life events like retirement or childbirth. From enhancing sales strategies and conducting credit evaluations to facilitating invoice and transaction reconciliation, our products deliver tangible benefits from data for both you and your clientele. Ultimately, we empower organizations to leverage insights that drive growth and improve decision-making processes.

Qwist stands as the foremost independent B2B2X open finance platform in Europe, delivering an extensive array of products aimed at optimizing financial services and improving customer interactions. The platform's mbed digital lending suite integrates flawlessly with e-commerce sites, allowing digital retailers and marketplaces to partner with top banks for immediate access to a range of financing solutions, which fosters a distinctive, complete customer experience. It offers cutting-edge payment solutions tailored for high-value items, streamlining the entire digital lending process with options that include consumer credit and installment payments. Additionally, Qwist supplies real-time insights into financial transaction data, ensuring detailed categorization, verification of financial identity, assessment of disposable income, initiation of payments, and insights into risk. This robust toolkit enables businesses to harness thorough financial data for purposes such as verification, risk mitigation, and enhancing sales opportunities, thereby driving greater efficiency and effectiveness in their operations. As a result, Qwist not only enhances the financial service landscape but also empowers businesses to create more personalized and effective customer experiences.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Finicity's open platform for banking makes it easy to connect your customers' financial information to your app or service. Finicity's open platform banking platform is being used worldwide by some of the most innovative and large organizations to provide better financial experiences for their customers. Your experience is dependent on data quality. Our data has been battle tested in the most demanding markets. You can easily code to endpoints and test data, and connect to Finicity’s open banking platform to access the best API coverage for banks, credit unions and payroll providers. Access to the data you need to power products is easy with our suite of APIs.

Integrate your application seamlessly with your users’ financial information using a secure and straightforward Open Banking API. Create innovative and captivating products that will delight your users. Their financial data is available in various formats from numerous sources, and we facilitate access to over 90% of personal and business bank accounts across Latin America, including connections to tax agencies and gig economy platforms. With our Connect Widget, you can embed this feature into your product within minutes, allowing you to save valuable development time and concentrate on what truly matters. Our platform is designed with top-tier security measures and is currently in the process of obtaining ISO 27001 certification. Effortlessly connect your users’ financial accounts and enhance their data in just a few simple steps. From lending solutions to smart saving strategies, we’re here to help you develop exactly what your users require. By accessing, aggregating, and analyzing customers’ financial details, such as their income, you can create superior borrowing experiences that meet their needs effectively. Ultimately, our goal is to empower you to deliver exceptional financial solutions.

Instant Bank Verification is a real-time, user-permissioned service that enables lenders to verify their financial data and aggregation. What can you do with IBV Verify identities of users and reduce fraud. Verify account balances in real-time. Verify employment and understand income. Access transaction history. You can verify the assets of borrowers right from the source. Flexible pricing allows you to only pay for the services you use, making IBV a great choice for loan originations. IBV is ideal for short term lending, retail loan origination, auto financing, property rentals, and other purposes. IBV is powered via an easy-to-integrate web portal that can be added to your existing website or a fully document API. Check out our demo to learn more about IBV.

Powens stands out as a premier platform for open finance and embedded banking, enabling financial institutions, fintech companies, and software providers throughout Europe and Latin America to develop cutting-edge products while enhancing their financial workflows with seamless and fully automated banking and payment solutions. With connections to more than 1,800 financial institutions in over 12 European nations, Powens provides instantaneous access to standardized bank account information, which includes detailed balances, transaction histories, and past data from current accounts. Their extensive offerings feature data and document aggregation, data processing, as well as accounts and payment solutions, ensuring a comprehensive approach to financial operations. Furthermore, Powens maintains exceptional quality benchmarks, boasting a remarkable 99.5% success rate in data refreshes and a 99.95% API availability rate sustained over an impressive span of 11 years. These standards reflect Powens' commitment to reliability and innovation in the financial technology sector. Ultimately, their robust platform not only enhances user experience but also fosters greater trust among their diverse clientele.

TrueLayer stands out as a premier technology firm that offers secure and worldwide access to financial systems. Our APIs empower developers to create top-tier products that can access data and facilitate payments instantaneously and securely. Established in 2016, TrueLayer has partnered with major global banks, is supported by prominent venture capital firms, and is trusted by leading fintech companies like Monzo, Revolut, and Zopa. By democratizing open banking through our platform, TrueLayer allows developers from various sectors — ranging from emerging startups to large enterprises — to transform financial services. Operating in the UK, Europe, and Australia, TrueLayer simplifies the integration of advanced payments and financial data into any application. Create innovative products that resonate with your users, enabling seamless money transfers at competitive rates while ensuring an exceptional user experience. Our solution eliminates the need for cards, minimizes fraud risks, and avoids chargebacks, ensuring a smooth financial transaction process.

The Ninth Wave Platform presents a unified and robust open banking solution that allows financial institutions to share permissioned data securely and efficiently with various third-party applications, such as aggregators, fintech firms, accounting and ERP systems, personal finance management tools, tax preparation software, and other consumer and business applications. By utilizing Ninth Wave, retail and commercial banks, credit unions, wealth managers, and other financial services entities can provide their customers with swift and convenient access to their information on their own terms, available anytime through any chosen application or service. This innovative approach not only enhances the digital experience for users but also fosters greater satisfaction and loyalty, attracts a broader customer base, generates new revenue opportunities, mitigates risks, and ensures compliance with regulatory requirements for clients. Ultimately, Ninth Wave empowers financial institutions to adapt to the evolving landscape of digital banking while maintaining a competitive edge.

Advantica Cloud Core Banking is our exclusive electronic banking platform that delivers an all-encompassing core banking experience. It features a wide range of multi-channel banking products and services, along with assistance in executing business strategies. This system adheres to the latest standards outlined in the Payment Services Directive (PSD2) and embraces the principles of Open Banking. Known for its security, stability, scalability, and reliability, Advantica has been successfully deployed by Softax in some of the largest financial institutions across Europe. Additionally, its robust infrastructure ensures that it can adapt to changing market demands effectively.

Join an elite group of merchants, payment service providers, and financial institutions that are leveraging Token’s extensive Pan-European connectivity to more than 3,000 banks to innovate and generate new revenue opportunities. Token serves as a cutting-edge open banking payments platform, offering unparalleled access to banking connections, compliance, and data across Europe. With the ability to initiate seamless, real-time account-to-account (A2A) payments directly from various applications and websites, users benefit from a streamlined experience through a single integration interface. Additionally, Token Data employs a unified API to effortlessly gather account and transaction information from banks across Europe, while Token Payments ensures secure and consolidated access to facilitate real-time transactions directly from apps and websites. This innovative approach not only enhances user experience but also drives efficiency in the payment process.

Column is a nationally chartered bank specifically designed for developers and builders looking to create cutting-edge financial products. By developing its own core banking system, ledger, and data architecture, Column removes the reliance on traditional middleware, allowing developers to interact directly with the U.S. banking framework. This innovative strategy enables smooth integration with the Federal Reserve, making processes like money transfers, account setups, and card program management remarkably efficient. Among its primary services are ACH origination, wire transfers through FedWire, real-time book transfers, and the capability to open FDIC-insured bank accounts via a straightforward API. Moreover, Column empowers the creation of tailored card programs by providing unique Bank Identification Numbers (BINs) and ensuring compatibility with leading networks and issuer processors. In addition to these services, Column also offers a range of lending products, including loan origination, debt financing, and loan purchase initiatives, further assisting companies in expanding their lending capabilities. With its comprehensive suite of offerings, Column stands out as a valuable partner for those in the financial technology sector.

BANKTRON Open Banking offers a comprehensive array of APIs and management tools designed not only to meet PSD2 compliance standards but also to exceed the basic compliance expectations. Our solution is specifically tailored to address the requirements of PSD2, adhering closely to the Regulatory Technical Standards and the unique regulatory needs of each market. Initially, we prioritize APIs that facilitate Access to Accounts and Payment Initiation for PSD2 compliance. Additionally, we are dedicated to maintaining compliance throughout the entire lifespan of the system, promising to implement any necessary modifications and improvements to ensure ongoing adherence to regulations. This commitment underscores our proactive approach to evolving regulatory landscapes.

Flinks enables the open, consent-based exchange of financial data and empowers you to connect consumers with the services they want. Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations—extracting actionable, model-ready insights for credit risk analysis, income verification, life event detection or fraud prevention couldn’t be easier. Flinks Connectivity offers the largest financial data network coverage, allowing your customers to use your services by easily and securely connecting their financial accounts and sharing the data you need. From KYC to transactional data and assets, Flinks Connectivity is the backbone that will power your business and put you ahead of the competition. Flinks Outbound provides the Open Banking infrastructure you need to launch and adapt quickly in a dynamic market and regulatory environment. Winning with open banking goes far beyond just technology and APIs. Our extensive network of third-party applications that millions of Canadians are already using can become your launch

Envestnet | Yodlee stands out as a premier platform for data aggregation and analytics, enhancing the financial lives of consumers through cutting-edge products and services tailored for over 1,400 financial institutions and FinTech firms, which include 16 of the top 20 banks in the United States. We are at the forefront of revolutionizing financial applications and services with comprehensive solutions designed for wealth managers, banks, merchants, and beyond. Discover how we can assist in your growth journey. Our robust data aggregation platform empowers financial institutions and FinTechs to facilitate improved financial outcomes for consumers. We prioritize industry-leading standards for data security, compliance with regulations, and protection of privacy. Stay updated with insights from Bill Crager regarding Envestnet's ongoing commitment to purposeful action. Additionally, explore our extensive collection of white papers, on-demand webinars, eBooks, case studies, and much more, all filled with valuable product information and practical guidance to help you succeed in the financial sector. Together, we can drive innovation and excellence in financial services.

Salt Edge, a fintech leader in creating and providing open banking solutions, takes intercommunication and interoperability between banks, third-party service providers, and their end-users to a whole new level. With offices in Toronto, London, Chisinau, Milan, Bucharest, and now expanding to the Middle East. The main vectors the company focuses on are: 1. Open Banking Gateway - allows lenders, accounting software, banks, BFMs, PFMs, iGaming companies, and different other companies to instantly connect to all customers’ bank accounts in Europe, APAC, Americas, and MEA for account information and/or payment initiation, via one unified API. 2. Open Banking and PSD2 Compliance Solution - enables banks and eWallets to become compliant with PSD2 and Open Banking requirements in 1 month, with minimal resources. ISO 27001 certified and open banking licenced, the company employs the highest international security measures to ensure stable and reliable connections between financial institutions and their customers. The company offers secure connectivity to 5,000+ financial institutions in 50+ countries. Salt Edge has been named a Strong Performer in The Forrester Wave™: Open Banking Intermediaries, 2023 Report.

Finexer is an FCA-regulated, API-focused platform that is transforming the way small and medium-sized businesses (SMBs) interact with and leverage financial data. By integrating seamlessly with all banks in the UK, Finexer provides real-time insights and facilitates Pay-By-Bank transactions via an intuitive dashboard, achieving deployment speeds that are 2-3 times faster than its competitors. The platform boasts a variety of key features, including Data (AISP) and Payments (PISP) APIs: 1. Access to Real-Time Bank Transactions: Businesses can obtain immediate insights into bank transaction data, enhancing their decision-making processes and allowing for personalized user experiences. 2. Balance Insights: Gain critical information regarding customers' income, expenses, and balance trends, enabling the delivery of customized services and targeted marketing offers. 3. Open Banking Payments: The platform supports secure account-to-account payments with instant settlements and automated recurring transactions (currently in Beta), leading to potential cost reductions of up to 90%. With its robust data capabilities, customizable white-label solutions, and security that complies with PSD2 regulations, Finexer equips businesses to streamline operations, boost revenue, and enrich customer experiences, ultimately positioning them for future growth and success.

Zūm Rails provides real-world solutions that merge instant payments and open banking. The Zūm Rails software allows users to focus on distribution, while on the back end we mitigate the risk of fraud, aggregate KYC data and offer an unparalleled experience for the end-user. Our software is able to create a faster and more efficient payments process by eliminating unnecessary lag time of financial interactions through the use of the Zūm Wallet, reducing the risk of fraud for instant payments, and creating an overall better user experience by utilizing our real-time data aggregation feature. Zūm Rails software has been designed with scalability in mind. With a built-in Partner Portal, our users are able to manage and oversee their customer's transactions, while collecting insights and reporting. Work directly out of the Zūm Rails portal or utilize our seamless API to integrate directly into pre-existing systems and workflows. Zūm Rails software was built with every step of the payment journey in mind, creating a faster, safer, and more convenient digital exchange. To learn more, visit zumrails.com

Unlock the full advantages of open banking through a single platform. Our Banking API aggregator enables seamless integration with all European banking APIs via one unified interface. This ensures a swift and efficient connection to banking APIs without the hassle of addressing the varying implementation standards among different banks. With over six specialized sandboxes tailored for our clients, we have honed our expertise to develop a solution that is not only quick to implement but also user-friendly. By providing a robust API connection, we allow you to concentrate on growing your business. Our offerings include time-and-material staff outsourcing, which encompasses engineers, architects, and project managers, but we primarily focus on delivering fixed-price projects that come with a clearly defined scope, timeline, and budget—often utilizing a nearshore model. This approach renders our services both highly effective and competitively priced. To date, we have successfully completed more than 5,000 integration services and integrated 1,500 systems, demonstrating our commitment to excellence in the field. As a result, clients can confidently rely on us to streamline their banking integration processes.

Yapily offers a seamless customer experience while navigating the dynamic landscape of Open Banking compliance. Tailored specifically for open banking, it ensures smooth connectivity for users. It stands out as the only technology firm chosen by IBM for its open banking solutions. As new open banking APIs become available, businesses can tap into fresh markets and larger transaction volumes. A single open API provides access to essential data that enhances the experience for end-users. This includes functionalities like aggregating, categorizing, and enriching account information, as well as initiating payments and transactions, enabling businesses to provide tailored financial advice. By removing technical obstacles, Yapily allows any organization to engage with customers through one secure and unified connection. This empowers banks, financial service providers, and developers to quickly create, integrate, and oversee their own APIs for effective communication. As a result, Yapily not only streamlines processes but also fosters innovation in how financial services are delivered to consumers.

PSD2 is designed to oversee innovative digital payment services, ensure transparency, and improve the security of online transactions. Additionally, it fosters competition in the payment markets and mandates that all banks achieve compliance with its standards. In response to the increasing need for comprehensive solutions, we have developed an Open Banking Suite with a modular framework that includes an API hub known as Up2Connect, a strong customer authentication (SCA) component called Up2Seal, and a payment terminal referred to as Up2Pay. This solution not only adheres to the Berlin Group standards but also complies with local regulations applicable to users. Financial institutions have the flexibility to either integrate specific modules they require or opt for bundled integration. By utilizing the Up2Connect module for open banking compliance and the Up2Seal module for enhanced security, Sirma positions itself as a reliable technological partner. We are confident that the transformations initiated by PSD2 will significantly contribute to a digital revolution within the financial sector, paving the way for more innovative and secure payment options. As the landscape evolves, our suite is prepared to adapt to emerging trends and regulations.

A single platform that meets PSD2 compliance unlocks a world of possibilities. Shape the future of finance by leveraging a diverse array of premium financial data from various European banks via one convenient API. This empowers you to deliver intelligent financial services and captivate customers with new experiences. Whether you're a major bank in need of a tailored solution, an emerging fintech seeking a reliable technology partner, or a small business aspiring to bring your concepts to life, we have the resources to support you. Our platform is designed to nurture and facilitate ideas of every kind and magnitude, ensuring that innovation flourishes.

Financial institutions are transforming their operational models with a focus on customer-centricity, while fintech companies and developers are exploring innovative market pathways. An open banking platform leverages APIs to enable seamless integration of diverse products and services, fostering creativity and collaboration. By adopting a versatile and scalable one-stop portal, financial institutions can enhance their agility, competitiveness, and drive expansion. Tailor the services to meet your clients' specific needs while delivering the advanced technology that consumers demand in today's digital landscape. With a comprehensive range of reliable banking solutions encompassing Retail Banking, Payments, Lending, Corporate Banking, and Treasury & Capital Markets, Finastra offers the tools necessary for immediate readiness and future adaptability. If you are a developer or a fintech eager to make a market impact, or a financial institution aiming to create innovative offerings for your customers, you can tap into Finastra's core systems APIs to develop new applications or integrate your current solutions seamlessly. Embrace the opportunity to lead in this rapidly evolving financial ecosystem and make a difference today.

Created by developers with developers in mind, our API-driven technology enables you to build applications leveraging our robust financial tools. Central to our technology ethos is a commitment to security, featuring two-factor authentication, secure storage with backup solutions for effective disaster recovery, and strict internal access protocols as standard offerings. TradeCore distinguishes itself in the financial industry with its capacity to manage vast quantities of data seamlessly. We design systems for leading companies, empowering them to elevate their operations significantly. Our trading interface, which accommodates various asset classes, grants access to top-tier data vendors. Furthermore, you can issue your own Mastercard® virtual and physical cards while ensuring compliance is straightforward. Experience the advantages of open banking without burdening your team with extra tasks. Additionally, automate and safeguard cryptocurrency transactions comprehensively for enhanced security and efficiency.

Build, enhance, and expand your offerings with straightforward access to a comprehensive financial ecosystem. With features like accounts, foreign exchange, both domestic and international payments, acquiring, and open banking—all provided through a unified, developer-centric API—you can craft innovative customer experiences by seamlessly integrating financial services into your products. This ensures your customers can remain within your ecosystem without needing to navigate elsewhere. Optimize both customer interactions and back-office functions through effortless integration with your current systems. Transition all your services to OpenPayd and take advantage of competitive rates, extensive coverage, cutting-edge technology, and exceptional support. Scale rapidly by tapping into local payment infrastructures, unparalleled foreign exchange management, and an extensive array of global licenses. Facilitating local and international transactions becomes effortless with OpenPayd's extensive global banking network, ensuring you can meet diverse financial needs efficiently. The integration of these services empowers you to deliver outstanding value to your customers while streamlining your operational processes.

Basiq stands at the forefront of open banking technology, empowering developers to create cutting-edge financial applications. Our platform offers secure access to financial data, provided with customer consent, along with robust APIs that reveal critical insights. We are at the helm of shaping the future of financial services, catering to wealth managers, banks, fintechs, and beyond. By utilizing our platform, you can obtain comprehensive and trustworthy banking information, enabling you to craft more engaging and tailored digital banking experiences for users. Our sophisticated income algorithms can accurately pinpoint various income sources, including regular, variable, and casual income streams, which allows for streamlined individual assessments and quicker lending decisions. Additionally, you can enhance your customers’ digital experiences by equipping them with tools to better track their spending habits. With Basiq Enrich, you can analyze each banking transaction to identify the merchant, location, and category, further enriching the financial insights provided to your clients. This level of detail not only elevates user engagement but also fosters a deeper understanding of financial behaviors.

StrategyOne by CRIF Digital is an all-inclusive digital decision-making tool that empowers companies to execute, test, and oversee decision-making processes without the need for programming skills. By harnessing augmented intelligence powered by AI, it significantly improves decision-making logic, credit assessment, and various operational procedures. The platform features an intuitive visual designer that allows business users to quickly develop and modify decision strategies, thereby enhancing overall decision-making throughout the customer journey. Additionally, it provides capabilities for what-if analysis, simulation, and strategy refinement using machine learning techniques, while ensuring adherence to regulations such as Basel and IFRS9. Users can also benefit from advanced analytical tools, real-time performance tracking, and the deployment of decision logic without interruptions, which facilitates a more responsive and informed approach to data-driven decision-making. In a world where fast and reliable insights are crucial, StrategyOne stands out as a vital resource for organizations aiming to elevate their operational effectiveness.

Priority Commerce presents a comprehensive commerce platform aimed at optimizing revenue and promoting growth through its Priority Commerce Engine (PCE). This platform consolidates various financial services, empowering businesses to efficiently collect, store, lend, and transfer funds. Utilizing tools such as MX Merchant, users can manage billing, sales tracking, and customer interactions in one place, ensuring same-day funding across diverse payment methods like cards, ACH, and cash. Additionally, Priority Commerce accommodates a range of fee-based solutions, allowing for tailored payment processing that meets the unique demands of different businesses. For developers and independent software vendors (ISVs), Priority offers secure and feature-rich APIs that integrate effortlessly into applications, providing low-code or no-code options to accelerate development. Moreover, it automates banking operations, boosts financial transparency, and implements strong security protocols to mitigate fraud risks. This integrated approach not only enhances operational efficiency but also supports businesses in adapting to the evolving marketplace.

We partner with innovative organizations to create customer-centric digital banking solutions from the ground up. The focus isn't solely on the technology employed to serve your clientele; rather, it's about leveraging that technology to ensure customers feel valued and prioritized. Our mission centers on making banking more convenient, simpler, accessible, and rewarding for users. Our unique digital banking infrastructure, known as fOS, empowers you to achieve these goals. The success of our current clients and the numerous accolades we've received stand as testaments to our effectiveness. Fidor offers the comprehensive expertise necessary to turn your digital banking vision into reality. We engage in a thorough process of thinking, designing, testing, building, and launching. Our cutting-edge digital banking platform, fidorOS (fOS), encompasses all essential banking functionalities, including onboarding, card and account management, credit products, and analytics, all within a single, unified platform. As a pioneer in adopting Open Banking principles and API integration, we have developed the fidorOS platform to be significantly advanced compared to conventional solutions. This approach not only enhances flexibility but also ensures a seamlessly integrated banking experience for users.

Become a part of Portfolio+, a platform designed to link clients with financial service providers for a tailored banking journey. Our consumer-focused banking interface, combined with powerful APIs, delivers customized financial solutions while ensuring the utmost protection of client information. We offer secure and proven financial software solutions that foster business growth for technologically advanced, interconnected financial institutions. By utilizing our open banking platform, we not only empower consumers but also create revenue opportunities for financial service providers. Our core banking system guarantees seamless transaction efficiency throughout the Canadian banking landscape. Additionally, we provide essential training and consultancy services to help finance professionals leverage the advantages of fintech. With over 30 years of experience, Portfolio+ is leading the charge in the open banking revolution in Canada, continuously creating cutting-edge financial products and services through a dedicated team of finance and technology experts. Join us in shaping the future of banking, where innovation meets customer-centric solutions.

Setting up your mobile banking solution has never been simpler than with FinCell, a versatile white-label service designed for financial institutions seeking an affordable and customizable mobile banking application. Built on the principles of open banking, FinCell ensures seamless integration with your core systems through the use of open APIs. The platform's commitment to information security and quality management is evidenced by its ISO 27001 and ISO 9001 certifications, ensuring that all essential safety and compliance protocols are firmly in place. Developed by industry experts holding certifications such as CISSP, CDPSE, and CISA, FinCell adheres to the best practices in the sector. You can launch your mobile banking app in just two months, as FinCell provides a range of pre-defined features that expedite your market entry. With a subscription-based pricing model that aligns costs with your customer base, you only pay for what you utilize. Additionally, FinCell is highly scalable, enabling you to enhance revenue, expand your customer base, and minimize churn rates effectively. By choosing FinCell, you are investing in a solution that not only meets your current needs but also adapts to your future growth.

Path Solutions is a Fintech solutions provider that offers digital & social banking, mobility, business analytics, risk management, compliance and AAOIFI-certified core banking software. The multi-award-winning Islamic core banking platform iMAL is built in Java EE with an Open Architecture. It is highly reliable and cloud-ready and can be deployed on a fully scalable, multiserver n-tier architecture. It also supports open banking via open APIs and other web services. Path Solutions' total commitment towards open standards allows its clients to benefit the latest technology advances, ensuring business agility and continuity, data integrity, availability, and low downtime. This results in a significant and immediate ROI.

Banfico stands out as a reliable provider of open banking technology, delivering a range of scalable, secure, and regulation-compliant solutions specifically designed for banks and fintech companies. Our dedicated open banking API adheres to Financial Grade API (FAPI) standards and is compatible with major global frameworks, including Open Banking UK, Berlin Group, and STET. This robust enterprise-grade API prioritizes customer identity verification, authentication, and security, facilitating smooth integration with core banking systems while providing comprehensive solutions such as customer authentication and consent management. Additionally, the OB Directory serves as a compliant repository of standardized information regarding active regulated entities, linking to all National Competent Authority (NCA) registers and the European Banking Authority (EBA), with updates occurring in real time every two hours. Furthermore, Banfico's Modified Customer Interface (MCI) ensures a secure interface that aligns with Open Banking and GDPR regulations, allowing banks to swiftly and efficiently meet compliance requirements while reducing their overall costs. This comprehensive approach positions Banfico as an essential partner for financial institutions aiming to navigate the complexities of open banking effectively.

We are closing the divide between raw information and actionable insights, enabling you to cater to more clients, enhance your product offerings, and make more informed choices. This innovative method redefines how we assess financial health and creditworthiness. Utilize cash flow underwriting to effectively gauge the risk of credit defaults while also scoring consumers with limited or no credit history. Organize, classify, and enrich chaotic transaction data to produce clear, streamlined, and precise account activity reports. Extract critical insights related to consumer financial status, such as liquid assets, outstanding financial commitments, and spending behaviors. Examine banking transactions to determine gross and net earnings, assess income reliability, employment status, and sources of income. The era of open banking has arrived, and regardless of whether you operate in banking, lending, real estate, personal finance, or insurance, Prism Data offers you a significant chance to maximize the potential of your data. This comprehensive approach not only empowers businesses but also enhances the customer experience by providing tailored financial solutions.

AI seamlessly converts bank feeds into accurate accounting with a remarkable 95% precision, as recognized by Forbes' AI benchmark. This system is fully automated and can be tailored to suit individual client needs, resulting in usage rates that are tenfold compared to traditional banking platforms. An impressive 85% of users access their accounts monthly, showcasing the platform's effectiveness. The rise of open banking, driven by neobanks such as Google, Intuit, PayPal, and Square, poses fresh challenges to your business banking revenue streams, affecting areas like deposits, loans, and payments. To enhance your net banking revenue, leverage real-time cross-selling opportunities and maximize the potential of your existing small business clientele through Smart Advices™ powered by OneUp. The OneUp platform is built on an API framework to guarantee quick integration while providing the necessary customization and adaptability for your initiatives. It effectively presents income, expenses, and overall profitability for specified periods in chosen currencies, thanks to the data processing capabilities of OneUp AI, which translates bank feeds into precise accounting entries. This innovative approach not only streamlines financial management but also empowers businesses to make informed decisions based on real-time data.

We provide banking information to enhance your business operations. Companies across the globe are revolutionizing their offerings with Kontomatik. Regardless of your institution's type or budget constraints, Kontomatik has the right solution for you. If you seek a partner to empower your business through banking data or have ideas for innovative products or services utilizing open banking, we are here to assist you. Discover how Kontomatik's features can benefit your company. Streamline the onboarding of your customers with our user-friendly widget, facilitating a smoother transition to online channels. Leverage data from users' bank accounts to eliminate manual processes, ensuring a seamless customer experience that boosts conversions by simplifying the procedure and minimizing errors. Gain immediate access to dependable, real-time data regarding clients' income structures, and verify bank account numbers prior to executing any transfers. Enhance your decision-making with more precise evaluations and improve acceptance rates significantly, allowing your business to thrive in a competitive market.

Transform your approach to commercial banking with flexible and personalized financial solutions. Elevate the success of your commercial clientele by offering customized banking experiences that cater to businesses of all sizes and industries. Each of your commercial account holders presents distinct and often intricate requirements that demand attention. By delivering digital banking solutions tailored to their specific size, sector, and expectations, you can effectively address their challenges and fulfill their needs, positioning yourself as an essential ally to your most valued clients. Collaborating with the right partner can make this achievable. Traditional technology often treats all businesses uniformly, resulting in outdated, cumbersome interfaces that hinder productivity. The complexities of cash management for larger commercial clients can be daunting, especially when legacy systems introduce additional hurdles with inflexible workflows and impractical features that overlook user experience. Our innovative commercial banking platform revolutionizes this landscape by offering a powerful, sophisticated, yet user-friendly solution designed to accommodate every individual and task, regardless of how unique or complicated they may be. Embrace this change and redefine the banking experience for your clients.

ClearEdge provides a comprehensive suite of essential banking services, including payments, digital solutions, image processing, decision-making tools, and regulatory assistance tailored to your needs. It facilitates business growth, ensures a smooth experience for customers, and creates effortless workflows for staff. With no lengthy agreements to contend with, you can take advantage of a straightforward month-to-month subscription featuring a single low flat fee. There are no surprise charges or bureaucratic hurdles, and negotiation is unnecessary. By utilizing Code Connect, you gain access to a diverse array of APIs that allow for the enhancement of any solution you choose. With FIS® ClearEdge, financial institutions find a reliable partner in FIS and gain a significant advantage in the competitive market. ClearEdge offers timely solutions tailored to your requirements, along with quick implementation, transparent pricing, and straightforward contracts, positioning itself as the future of banking today. It serves as a one-stop shop for all FIS APIs, featuring API management and publication, integration across multiple channels, accelerated innovation, faster market entry, and a secure testing environment to foster development. This innovative approach ensures that you remain at the forefront of the banking sector.

Qlower serves as an intelligent assistant tailored for landlords, streamlining the process of property management through the use of open banking and machine learning innovations. It takes care of property management tasks automatically, eliminating the need for manual data entry, ultimately saving both time and financial resources. By easily tracking payments, uncovering potential savings, and preparing tax declarations, users can optimize their real estate portfolios by simply following the suggested pathways. Qlower enhances the experience for real estate investors by providing features like automatic and complimentary receipt generation, real-time accounting linked to bank transactions, tax reporting for rental income, and identifying opportunities for savings along with heritage advice. Whether managing vacant properties, furnished units, short or long-term rentals, parking spaces, or buildings, Qlower efficiently handles all administrative and accounting responsibilities, leading to refined tax reporting. By analyzing bank data and user-entered transactions, Qlower comprehensively understands each expense, ensuring that accounting is continuously updated and optimized. This comprehensive approach not only simplifies property management but also empowers landlords to make informed financial decisions.

Axway's Amplify Open Banking stands out as a robust solution tailored for financial institutions to effectively manage the intricacies of open banking regulations while integrating smoothly into digital ecosystems. This platform not only ensures compliance with important legislation like the CFPB Dodd-Frank Act Section 1033 by removing insecure practices such as screen scraping, but also enhances consumer consent management processes. By offering prebuilt APIs that meet open banking standards, it enables the swift introduction of innovative services without causing disruptions to operations. Moreover, the platform includes tools for API monetization, empowering institutions to generate new revenue streams while maintaining secure and dependable data management practices. With functionality that includes low-code/no-code options and an integrated API marketplace, Amplify Open Banking promotes an intuitive experience for developers, facilitating quicker deployment of business processes and encouraging wider adoption of APIs. Ultimately, this comprehensive solution not only streamlines regulatory compliance but also positions financial institutions for future growth in an ever-evolving digital landscape.

Ethereum is a community-driven platform that serves as the backbone for the cryptocurrency ether (ETH) and a myriad of decentralized applications. This innovative technology facilitates not only digital currency transactions but also global payments and various applications. Through collaborative efforts, the community has established a vibrant digital economy, providing creators with new opportunities to generate income online and much more. Accessible to anyone with an internet connection, Ethereum breaks down barriers for billions who either lack bank accounts or face restrictions on their financial transactions. Its decentralized finance (DeFi) framework operates continuously without bias, allowing users to send, receive, borrow, earn interest, and even stream funds globally. In contrast to traditional internet services that often require sacrificing personal data control, Ethereum maintains openness as a fundamental principle – all that's needed is a wallet to participate. By staking your ETH, you can contribute to the network as a validator, helping to secure and maintain the integrity of this groundbreaking platform. As a result, Ethereum not only empowers individuals but also fosters a more inclusive financial system for everyone.

Our innovative Auto Decision Platform (ADP) streamlines processes for lenders, reducing time, costs, and mistakes, thereby enhancing profitability. This versatile and highly acclaimed program opens up a world of opportunities upon implementation. With our state-of-the-art decision-making services, credit risk professionals can easily design and adjust decision-making logic as needed. The next-generation, private-cloud-based Auto Decision Platform (ADP) provides thorough, automated decisions through direct customer engagement while ensuring compliance for lenders. Utilize our extensively interconnected suite of integrations, which includes consumer and commercial CRA data, various Open Banking sources, eKYC and fraud prevention tools, along with verification services for mobile, email, device ID, AVM, and Land Registry products to effectively implement your decision-making strategy. Furthermore, ADP empowers users to create, modify, test, and launch personalized scorecards via a user-friendly interface, making the process even more efficient and tailored to specific needs. This platform not only saves time and resources but also fosters innovation in decision-making processes.

Create the banking experience of the future by seamlessly linking individuals, data, and systems across various boundaries. The Appway Digital Banking Platform facilitates genuine digital transformation through smart process orchestration, fostering true human engagement at every interaction point in both physical and digital realms. Allow customers to engage on their terms, no matter where they are in their financial journey. Utilize advanced analytics and pivotal moments in customers' lives to craft personalized offerings that align with their aspirations. Implement pre-built, reusable components for swift and low-risk deployments that are ready for the future and can be easily modified. Expand connectivity beyond organizational boundaries, harnessing existing and emerging ecosystems to drive innovation and maintain a competitive edge. Integrate global, standardized implementations with localized adaptations to cater to specific regional demands. Additionally, empower both customers and frontline employees to effortlessly browse, choose, and customize products in a user-friendly manner. This approach not only enhances customer satisfaction but also promotes a more agile banking environment.

QBS was developed to enhance the efficiency of financial services by leveraging advanced technology. This is especially crucial in emerging markets, where traditional core banking systems are often too slow and expensive to adapt to new channels, compounded by the rising costs associated with maintenance and recurring services. The QBS platform aims to accelerate the launch of innovative financial products while ensuring agility and effectiveness. It transforms digital processes within financial services, enabling our clients to be more adaptive in a highly competitive landscape. Our platform is built upon the latest global trends in digital banking, featuring APIs and native microservices, along with an open and transparent data model that ensures 100% real-time processing. Additionally, we offer comprehensive regulatory and operational support through straightforward, seamless processes that guarantee exceptional performance, making it easier for firms to thrive in their respective markets. With such capabilities, QBS positions itself as a pivotal resource for financial institutions looking to navigate the complexities of the modern financial environment effectively.

We empower leading financial institutions, corporations, and FinTech innovators to launch uniquely tailored payment solutions backed by a robust and immediate business rationale. Our approach generates substantial new net revenues and cost reductions through the utilization of our rapid, scalable, and secure API along with a white-label platform designed for targeted implementations. Our proprietary platform, which is interoperable and PCI-DSS certified, is hosted in Tier-4 data centers that guarantee the highest levels of security. Furthermore, Bankable's Virtual Ledger Manager serves as a cloud-based virtual account solution that can be integrated with any bank account, significantly improving cash management for multinational corporations. This versatile multi-bank solution is adept at handling both standardized and proprietary data formats, ensuring seamless processing across various banking institutions. Overall, our offerings not only enhance operational efficiency but also position our clients to capitalize on emerging market opportunities.

Free banking data & premium insights. All-in-one API for banking data to build powerful banking, lending, and finance apps. All-in-one API to access account information, transaction categorization, and insights.

NovoPayment’s platform, powered by APIs, offers rapid solutions for digital banking, payments, and card services. Whether you're initiating a new venture, upgrading existing offerings, or broadening your reach across various markets, we equip you with essential onboarding, a digital core, and direct local integrations to maintain agility. Our Visa and Mastercard prepaid, debit, and credit solutions are designed to support the deployment of programs tailored for consumers, small to medium-sized businesses, or corporate clients. With our native and embedded APIs, you can effectively launch both physical and digital card programs backed by robust issuing infrastructure. Users can manage their digital multi-currency accounts in real time, tapping into a range of wholesale FX rates and service providers within our network. We facilitate the instant issuance of virtual and physical cards, catering to both open and closed-loop program requirements tailored to your specific use cases. As payments fuel the growth of successful businesses, we offer a comprehensive suite of payment tools that are essential for navigating the digital economy. With our innovative solutions, you can stay ahead in a rapidly evolving financial landscape.