Account and financial data, payments and smart data analysis: all in real time with just one platform!
Our Open Banking and Open Finance products, both as an API or as a complete turnkey solution with front end, are clearly aimed at your success: reducing costs, streamlining processes, increasing sales potential or minimizing risks.
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Connectable to your needs
BANKSapi Technology GmbH is a payment institution and Open Finance software service provider based in Germany and licensed by BaFin. We develop and operate account information services (AIS), A2A payment initiation solutions (PIS) and AI- powered data analytics for real added value on our platform. We also create turnkey modern apps, portals and web applications from a single source.
Our Products
Account Data
BANKS/Connect: Get access to over 3,000 banks, building societies, custodian banks and credit cards with just a few lines of code. Retrieve data from millions of accounts and financial products with our Open Banking solution. Both private and corporate accounts can be connected with a single API.
Learn more...A2A Payments
PAY/Connect: This is unbeatable: simple and inexpensive transfers from account to account or initiating direct debits - without intermediate instances. This is possible both stand-alone and integrated into your application. If required, AI-based analyses make payments even smarter.
Learn more...Data Analytics
AI/Connect: Unlock the treasure trove of account data and gain new knowledge. With the help of our smart data analyses, which have been optimized over many years, you can generate added value for various use cases in real time, leverage new sales potential, minimize risks or implement new business models.
Learn more...Frontend Solutions
HUMAN/Connect: With our platform, the development and operation of apps, portals and web applications relating to finance is not only inexpensive, but also implemented quickly. For example, secure your customer relationships with a financial home or generate new sales with our advisory tools.
Learn more...PSD2 License
REG/Protect: Regardless of the use case: we support your business model. You don't have to worry about a PSD2 license and regulatory requirements. We take care of that. This is License-as-a-Service – for your business.
Learn more...Solutions
On our modular platform, you can implement every conceivable use case for a wide range of industries:
- Embedded banking features directly in the customer journey (e.g. in the credit application process)
- Embedded payment enables direct payment of invoices - without detours and from your application
- Smarte analyses to reduce business and process risks (e.g. direct debit checks, age verification or identity checks)
- Frontend components: from the banking-as-a-service layer to the functional user frontend (e.g. as a financial home app or SDK incl. web views)
- And much more!
Spotlight
fin4u app & portal
The Alte Leipziger-Hallesche Group (ALH) commissioned BANKSapi with the fundamental revision of its customer portal “fin4u” as an app and web version. The core objectives of the new application were the perfect symbiosis of banking, insurance and pension provision as well as a modern and high-quality user interface in accordance with the ALH corporate identity guidelines, the renewal of the technological basis and a flexible integration capability of various internal and external data sources.
Direkt-Überweisung
Direct bank transfer (Direkt-Überweisung) is the unbeatably cost-effective alternative to credit cards and other methods. Customers initiate the payment to your merchant account via online banking. You have virtually no risk of non-payment as executed transfers are irrevocable. In addition, there are no input or transmission errors thanks to the integrated process. Direct bank transfers can be used to make payments from over 100 million accounts in Germany alone.
FIDA: After Open Banking will come Open Finance
We are facing a revolution in the access and exchange of financial data in the EU. This will drive innovation, new business models and much more! BANKSapi was the first to develop a blueprint for the Financial Data Sharing Scheme and published it in this white paper.
