99.5% Bank Coverage     More than 5,000 Banks     100 Million Bank Accounts

One-Stop-Shop: Transaction Data, Categorization and Data Analytics

Banking API & Data Analysis

FinTecSystems

Banking API & Data Analysis

One-Stop-Shop: Transaction Data,
Categorization and Data Analytics

  99.5% Bank Coverage
  More than 5,000 Banks
  100 Million Bank Accounts

A ONE-STOP SERVICE IN CREDIT ASSESSMENT

Banking API
(XS2A)

One interface for all relevant banks

Categorization of Turnover Information

Self-learning algorithms guarantee maximum reliability

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

Accourate Banking API

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 accourate

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 accourate

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 accourate

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.

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.

accourate international approach

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 FROM 10 COUNTRIES ALREADY TRUST FINTECSYSTEMS

S-Finanzportal Logo
debitoor Logo
Heidelpay Logo
MCE Bank Logo
Check24 Logo

“A quick and valid decision on creditworthiness is the prerequisite for a successful online loan. With accourate, FinTecSystems offers a reliable real-time solution that delivers data of the highest quality via XS2A. That’s why we chose FinTecSystems as our partner.”



Dr. Jan WeitzelCEO of CashCapecashcape.com

“For online loans, we continue to see great growth potential in the market. With the integration of the Digital Account Check by FinTecSystems into our loan application process, our customers will be able to take out a private loan even faster and completely seamlessly in the future. This will also be possible on the move with a smartphone or tablet.”


Thomas TeuberManaging Director of SKG BANK (DKB Group)skgbank.de

“We have sought to make purchasing used cars simpler, more digital and more transparent by implementing a convenient payment method. abrapay is our solution for secure, real-time money transfers. FinTecSystems has extensive experience and considerable expertise in the e-payment industry and is therefore the perfect partner for us”.




Sebastian JostFounder and CEO of abracar by Allianzabracar.de

HOW WE ARE DIFFERENT TO TRADITIONAL BANKING SERVICE PROVIDERS

API Interface

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

International Approach

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

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?

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.

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.

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.

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.

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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 FinTecSystems

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

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

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