Multi-Country AISP/PISP Platform Architecture
Building a single Open Banking platform that works reliably across multiple EU/CEE markets with PSD2-grade security and enterprise SLA requirements.
Fizen
The Challenge
Build a single Open Banking platform that works reliably across multiple EU/CEE markets-despite fragmented bank APIs-while meeting PSD2-grade security, operational resilience expectations, and enterprise SLA requirements.
The core complexity: each bank in each country implements Open Banking APIs differently-varying authentication flows, data formats, error handling, and availability patterns. A partner integrating once needed access to many banks through a consistent, reliable interface.
Our Approach
We designed Fizen as a modular Open Banking stack built for scale across four integrated layers.
Connectivity & Bank Abstraction Layer
- Unified API over diverse bank interfaces (AIS/PIS)
- Intelligent routing with fallback logic
- Bank health monitoring & availability tracking
- Consent lifecycle management
- Standardized data normalization across markets
Consent, Identity & Security-by-Design
- Strong Customer Authentication (SCA) handling
- Secure token storage & key management
- Consent scopes & user/session risk controls
- Full audit trails aligned with PSD2
- Privacy-first architecture
Data & Payment Orchestration Engine
- Normalized account/transaction data model
- Enrichment and categorization hooks
- Payment initiation workflow with status tracking
- Retries & reconciliation primitives
- Webhooks for client system integration
Compliance & Operations Layer
- KYB onboarding for business clients
- Role-based access controls
- Incident management playbooks
- SLA monitoring dashboards
- Evidence-ready reporting for audits
The Outcome
A production-ready multi-country AISP/PISP platform that lets partners integrate once and access many banks/markets through a consistent interface-built to sustain high availability, predictable performance, and regulated-grade controls as volume scales.
Building an Open Banking platform?
Let's discuss how our PSD2 and multi-market integration expertise can accelerate your launch.
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