The Open Banking Platform By FinTecSystems

The FinTecSystems Open Banking platform provides you with universal access to the bank accounts of your consumers via a banking API. This way, you can retrieve account information, balances and transaction revenue. With the information released by the consumer, you integrate account functions and account data into your own application and offer a comfortable user experience.

FEATURES OF THE OPEN BANKING PLATFORM

Kategorisierung
Account Information Services

You have access to account data with financial institutions, credit card accounts and custody accounts with all relevant retail banks.

Payment Initiation Services

Trigger payments in your own Look & Feel with the help of our whitelabel online bank transfer.

License as a Service

We provide you with our PSD2 license so that you can continue your business with the necessary legal security for your customers.

THESE PARTNERS USE THE OPEN BANKING PLATFORM BY FINTECSYSTEMS

ADVANTAGES OF THE OPEN BANKING PLATFORM

Large bank coverage

Our banking API covers 99.5% of all relevant banks. This gives you access to account data with over 5,000 institutions and 100 million bank accounts.

User-friendliness

The Open Banking platform ensures that all success factors are present: bank-specific login fields, automatic completion of the sort code, support of all relevant TAN procedures.

International

Would you like to expand into other European countries? No problem at all! Our API grows with you and can already be used in Germany, Austria, Switzerland and Spain.

HOW TO INTEGRATE OUR OPEN BANKING API

REST API Wizard

REST API allows you to easily integrate the Open Banking platform into your systems. You create and control your application’s user interface according to our content specifications.

Note: This type of integration is only recommended for companies that have their own PSD2 license.

Banking API

JavaScript Widget

The seamless JavaScript integration impresses with minimal development work, a fast and automated account login process and fits perfectly into your look & feel.

Note: This type of integration means you have no contact with the customer’s login data, making it ideal for companies without their own PSD2 license.

Easy Onboarding

0% integration effort: Easy Onboarding is a customisable landing page that includes end customer login functionality – it is hosted by FinTecSystems and placed as a link on your website.

Note: This type of integration is also an ideal solution for companies without their own PSD2 license.

SKG Bank: Installment loans for all occasions

The SKG Bank (DKB Group) uses the Digital Account Check provided by FinTecSystems as the basis for a quick loan decision.

Paperless credit check

High usage rate

Optimal user experience without media disruptions

White Paper: Banking API

The Interface for the Future

Banking APIs are the basis for new business models in the financial world. Driven by the new Payment Services Directive PSD2, established banks and numerous FinTechs are working on new solutions and services based on API banking.

What you will find in the White Paper:

✔ What banking APIs are and how they work

✔ How banks are responding to the new opportunities of API banking

✔ Which business models are arising through API banking

✔ What trends are driving API banking

✔ Interview with Dirk Rudolf, Managing Director at FinTecSystems

✔ Interview with Thomas Teuber, Managing Director at SKG Bank

Banking API Whitepaper

THOUGHTS ON THE OPEN BANKING PLATFORM

“Since the moment we integrated the FinTecSystems interface into our application, we have been able to obtain additional financial information in real time and use it to continually improve our risk model. Both the technical integration and the day-to-day operation work seamlessly, which is why we can wholeheartedly recommend FinTecSystems as a partner”.

Jörg SkornschekChief Operations Officer at Cashpresso

“A swift and reliable assessment of creditworthiness is the prerequisite for a successful online loan. With the Open Banking platform, FinTecSystems offers a trustworthy real-time solution that delivers data of the highest quality via XS2A. That’s why we chose FinTecSystems as our partner”.

Dr. Jan WeitzelCEO at Cashcape

“We continue to see great growth potential in the market for online loans. With the integration of digital bank information via the FinTecSystems Open Banking platform into our loan application process, our customers will be able to take out a private loan even faster and without any media discontinuity.”

Thomas TeuberMananging Director at SKG Bank (DKB Group)

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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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