One interface for all relevant banks
Turn Big Data into Smart Data
Benefit from tailored solutions & checks
PSD2 compliant & secure

We turn data into
valuable knowledge.

Always make the right decision - with the leading
Open Banking Platform.

We turn data into
valuable knowledge.

Always make the right decision -
with the leading Open Banking Platform.

One interface for all relevant banks
Turn Big Data into Smart Data
Benefit from tailored solutions & checks
PSD2 compliant & secure

A ONE-STOP SERVICE IN CREDIT ASSESSMENT

Web Icons Kontozugang
Banking API
(XS2A)

One interface for all relevant banks

Web Icons Kategorisierung
Categorization of Turnover Information

Self-learning algorithms guarantee maximum reliability

Web Icons-Veredelung
Financial Analysis & Risk Minimization

Identification of features to minimize credit and fraud risks

zahlungsabwicklung icon
White-Label Online Transfer

Direct transfer in your own look & feel

FEATURES

Banking API Flow

Banking API

The Banking API from FinTecSystems gives you universal access to your consumers’ bank accounts to enable you to read account information, balances and transaction revenue. With the information released by the consumer, you can create your own applications and enrich them with transaction data.

Kategorisierung mit FinTecSystems

Categorization of Sales Data

We categorize the income and expenditure of the bank data obtained for you and thus enable you to process the values in your systems in a quick and standardized manner. Our categorization is constantly evolving and is checked, maintained, and further developed by our own internal team using modern machine learning approaches.

Cashflow Analyse mit FinTecSystems

Analysis of Sales Data

As soon as transaction data has been gathered and enriched, it will be analyzed. We attach particular importance to providing our customers with quick insights into the creditworthiness of their potential customers. In this respect, the analysis portfolio not only provides information on cash flow, it also includes statements on chargebacks, seizures, budget surpluses and much more.

Haushaltsrechnung mit FinTecSystems

Digital Financial Statements

Use our services to create a financial statement for the customer using digital data. This way, you will be able to evaluate their solvency.

Gehaltsnachweis FinTecSystems

Salary Statement & Consumer Report

Standardized reports complement our offering. For example, we identify salary payments in your customer’s account and then, if you wish, create an overview of existing salary payments and list the relevant employers including further information.

Similar to the approach of a personal finance management tool (PFM), our consumer report provides an overview of the consumer by presenting information such as the budget surplus, negative and positive characteristics of the account, revenue and spending behavior of your consumer – and this all at a glance in one single document.

Data Formats

Data Formats for every Application

For easy usage within your application, FinTecSystems delivers the results in different data formats like JSON, CSV or PDF, depending on the type of request.

International approach FTS

International Approach

Our banking API is international. In addition to bank accounts in Germany, we now also offer access to bank accounts in Austria and Spain. Further countries will be added in the coming months. Please do not hesitate to contact us.

OVER 100 CUSTOMERS AND PARTNERS FROM 10 COUNTRIES ALREADY TRUST FINTECSYSTEMS

Banken und Captives

SWK Bank Logo

Finanzdienstleister und FinTechs

Check24 Logo
finleap Connect Logo
ABS Global Logo
Finanzcheck Logo

Partner und Integratoren

Heidelpay Logo

HOW WE ARE DIFFERENT TO TRADITIONAL BANKING SERVICE PROVIDERS

Web Icons API Schnittstelle
API Interface

Highest service level through in-house development. Successfully in use for over 10 years.

Web Icons International
International Approach

Already live in
DE | AT | FR | ES | CH
Forthcoming countries
BE | IT | NL | UK

Web Icons Benutzerfreundlichkeit
User-friendliness

Thanks to the FinTecSystems’ account login, all these success factors are guaranteed:

Bank-specific login fields

Auto-completion of ZIP code

Full bank coverage

Seamless Javascript Widget integration enables a fast and automated processing of the accourate procedure customized in your look & feel, without big development.

Banking REST API

The REST API integrates accourate in your systems, you can control the GUI of your application according to our contentual standards.

WHO BENEFITS FROM OUR SERVICES?

Web Icons Kreditinstitute
Lending Institutions

Loan application processes are not yet fully digitalized. Cumbersome credit checks and long-winded offline processes result in massive conversion loss.


FinTecSystems automates and optimizes these steps for your consumers – in a fully digital & seamless manner without media disruptions.

Web Icons Fintechs
FinTechs

The core competence of many FinTech-based products is the processing of bank account information. This covers a wide spectrum from payment systems, banking services and debt collection to factoring companies.


FinTecSystems provides tailor-made financial analysis of your consumer.

Web Icons Zahlungsdiensleister
Payment Service Provider

In eCommerce, retailers and consumers often face conflicting goals. Payments such as direct debit, invoice or installment payment are only used in certain segments due to the higher default risk.


FinTecSystems helps PSPs to minimize credit risk and to further develop other segments.

USE CASES

Real-Time Lending

Our digital bank information enables us to make automated and completely digital financing decisions.

Secure Payments

By transferring risk characteristics relevant to the payment, you minimize the risk of fraud and creditworthiness for direct debits, purchases on account and installment payments.

Online Bank Transfer

Differentiate yourself with a transfer system in your own look & feel.

FTS Factsheet Mobile
Personal Finance Management

FinTecSystems’ Open Banking platform offers you everything from a single source – from multi-banking aggregation to standardized categorization logic.

Receivables Management

Be as flexible as possible and provide debtor management tailored to your debtors.

Debt Restructuring

Relieve the debt situation of your consumers by offering optimal customer service.

Get advice now!

Do you have questions or want to find out more about our products and services?
If so, send us a message! To find out how FinTecSystems GmbH processes data, please refer to our privacy statement.

DATA SECURITY

Maximum security through certified data centers

ISO 27001 FinTecSystems

Customer data is stored in a German data center certified according to ISO27001.

SSL Datensicherheit

SSL-encrypted transmission of all data. Double-encrypted access code

Datenschutzsiegel

FinTecSystems operates in accordance with the strict German Federal Data Protection Act and the EU General Data Protection Regulation (GDPR).

TÜV Siegel: Geprüfter Datenschtz

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