Open Banking / AISP / PISP
We design and build Open Banking infrastructure that connects to banks across Europe. From PSD2-compliant APIs to multi-market expansion strategies-we've built platforms handling millions of transactions across 50+ banks.
Open Banking Capabilities
End-to-end Open Banking infrastructure-from bank connectivity to client-facing APIs-designed for scale, compliance, and multi-market expansion.
Account Information Services (AISP)
Retrieve account balances, transaction histories, and standing orders from banks across multiple markets through unified APIs.
Payment Initiation Services (PISP)
Initiate payments directly from customer bank accounts with SCA handling, status tracking, and confirmation webhooks.
Strong Customer Authentication (SCA)
PSD2-compliant authentication flows supporting redirect, decoupled, and embedded approaches across European banks.
Multi-Market Connectivity
Pan-European bank coverage with localized integration strategies for each market's regulatory and technical nuances.
Consent Management
Full consent lifecycle management including storage, refresh, expiry notifications, and audit-ready logging.
Bank Connectivity Layer
Abstraction layer handling bank-specific quirks, API versions, availability patterns, and fallback routing.
Platform Architecture
A modular, layered architecture designed for reliability, extensibility, and regulatory compliance.
Bank Connectivity & Abstraction
The foundation layer that connects to bank APIs and normalizes their behavior.
Authentication & Security
PSD2-compliant security layer handling SCA flows and token management.
Data Processing & Normalization
Transform and enrich raw bank data into consistent, usable formats.
API & Integration Layer
Client-facing APIs and integration points for consuming applications.
Production Challenges
Open Banking looks simple on paper. In production, it's a maze of edge cases. Here's what we've learned to handle.
Fragmented Bank APIs
Our abstraction layer normalizes 50+ bank implementations into a single, consistent interface.
Multi-Market Complexity
Market-specific adapters handle local regulations, schemes, and bank behaviors across 7+ European markets.
SCA Flow Variations
Unified authentication orchestration supporting redirect, embedded, and decoupled flows per bank.
Bank Availability Issues
Health monitoring, intelligent routing, and graceful degradation ensure reliable service despite bank outages.
Regulatory Landscape
We build with regulation as a feature, not an afterthought. Here's the regulatory context we operate in.
PSD2
Payment Services Directive 2 mandating open access to payment accounts.
Relevance: Core framework for AISP/PISP services
UK Open Banking
CMA-mandated open banking standards for UK banks.
Relevance: Required for UK market operations
PSD3 / PSR
Next-generation payment services framework with enhanced requirements.
Relevance: Future-proofing architecture decisions
Open Banking Applications
Open Banking powers a wide range of financial applications. Here's where we've delivered value.
Account Aggregation
Unified view of accounts across multiple banks for personal finance and wealth management.
Payment Initiation
Direct A2A payments for e-commerce, bill payment, and peer-to-peer transfers.
Lending & Credit
Real-time income verification and affordability assessment for lending decisions.
Business Finance
Cash flow analysis and accounting integrations for SME financial services.
Build Your Open Banking Infrastructure
Whether you're aggregating accounts, initiating payments, or building financial products-we can help you navigate the complexity.
Talk to a Consultant