NEW: Financial analysis at the push of a button

Financial analysis

ADVICE/Connect: From account connection to advisory-ready financial analysis – in minutes. Your customer connects their account once through a secure link, and ADVICE/Connect automatically produces a complete financial picture. Including existing insurance policies – detected from the transactions, with policy number. Neutral, in your name. As a ready-made application for advisors and brokerages, or as an API for pools and platforms.

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What is ADVICE/Connect?

ADVICE/Connect is an automated financial analysis built on open banking.

The payment flows of the accounts released by your customer are turned into a structured financial picture – the basis for advisory conversations, portfolio transfers, cross-selling and even creditworthiness assessment.

Instead of reviewing bank statements, digging through folders and asking for contract details, you send a link. Your customer connects their account through their bank’s regulated PSD2 authentication – one single consent, no paperwork, no follow-up questions. The analysis is created automatically.

Analysis scope

Every analysis delivers this data – depending on the scope you choose.

  • Insurance policies: detected contracts with insurer, line of business, premium, payment cycle and policy number
  • Contract overview: recurring contracts from telecommunications, energy, streaming and other categories, with amount, cycle and reference number
  • Loans and financing: current obligations including instalment
  • Cash flow and emergency savings: income, spending, savings rate, budget surplus and existing reserves
  • Monthly budgets and spending structure: balance per month, spending by category
  • Assets: accounts and securities accounts with balance or market value
  • Savings allocation: how the savings rate is split across building society savings, securities and conventional deposits
  • Life situation: housing situation, relationship status, employment status, parenthood, mobility, pet ownership, type of health insurance and existing retirement provision
  • Creditworthiness indicators: for banks and lenders, additional information on cash flow, risk factors and more

Variants

Complete solution

for advisors, brokerages and advisory organizations

You don’t want an integration, you want to start right away. You receive the advisor cockpit for invitations, tracking and retrieving results, plus the end-customer application with the financial analysis as a PDF and an interactive web view – on request in your organization’s branding.

  • Invitation by personalized or anonymous link – via email, messenger, SMS or QR code
  • Multiple advisors, organizational units and role-based access
  • Your own logo, advisor photo and contact details on the analysis and the invitation
  • No development effort, no IT resources
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API

for banks, broker pools, distribution and advisory platforms

You have a customer portal, a loan application process, an advisor system, a broker management program, or your own platform. ADVICE/Connect delivers the analysis results as structured data directly to that platform – you retain control over the user interface and customer relationships.

  • Result data structured via REST API, transmitted encrypted
  • Analysis scope matched to your use case, from a single element to the full analysis
  • Webhooks for invitation and status data to drive the process in your system
  • API-only operation without the advisor cockpit is possible
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Feature Complete solution API
Target group Advisors, brokerages, advisory organizations Banks, broker pools, distribution and advisory platforms
Interface Advisor cockpit by BANKSapi Your own interface
Result for the end customer PDF and web view by BANKSapi Displayed via your systems
Branding Configurable per organization Entirely your design and wording
Analysis scope Complete Configurable in fine detail
Integration effort None; you start right away REST API and webhooks

How it works

Four easy steps to the result.

  1. You send your customer an invitation link from the advisor cockpit or from your own system.
  2. Your customer selects their bank and authenticates with their usual online banking credentials.
  3. They decide which accounts to include – the salary account only, or additional accounts and banks.
  4. ADVICE/Connect analyzes the payment flows and produces the analysis result.

Your customer decides what is shared. Without their explicit consent you receive no result data – whether you use the complete solution or the API.

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Security

Secure by design.

ADVICE/Connect is not run by a software vendor with a rented banking connection, but by a supervised institution. That is the difference that counts in your own outsourcing and data protection review.

  • BaFin-licensed payment institution. BANKSapi is a payment institution under the German Payment Services Supervision Act (ZAG), authorized as an account information service provider, and is subject to ongoing supervision by BaFin and the Deutsche Bundesbank, including the DORA requirements for IT governance and information security. Account access runs over our own regulated infrastructure – not through an intermediary.
  • No licence of your own required. The account information service is provided under the BANKSapi licence. Your organization needs neither a ZAG authorization nor its own PSD2 registration.
  • Certified account access. The open banking platform through which ADVICE/Connect retrieves account data is part of the BANKSapi information security management system certified to ISO/IEC 27001.
  • Operated in German high-security data centers. ADVICE/Connect runs in data centers of noris network AG, an operator classified as critical infrastructure (KRITIS) under the German BSI Act. No US hyperscalers, no third-country transfer.
  • Data protection. BANKSapi processes account data only with the end customer’s consent and only for the analysis they have commissioned. The principle of data minimization applies: only what is required for the agreed analysis result is collected and transmitted – no complete transaction lists.

FAQ

ADVICE/Connect is the automated financial analysis of BANKSapi Technology GmbH, a BaFin-licensed payment institution based in Munich, Germany. Analyzing the payment flows of the accounts released by the customer, ADVICE/Connect detects insurance policies, recurring contracts, loans, assets, cash flow and savings behavior. ADVICE/Connect is available as a ready-made application with an advisor cockpit and analysis PDF, and as an API for pools and platforms.

Yes. Where the number can be derived from the account data, ADVICE/Connect reports detected insurance policies with their policy number, as well as reference numbers for recurring contracts. The contract is therefore uniquely identified and can be assigned directly – for a portfolio transfer or a coverage review, for example.

For the quick analysis the salary account is enough. For the 360-degree analysis your customer adds further accounts and banks – credit cards, securities accounts, loan and savings accounts. The more data sources are included, the more complete the picture.

No. The account information service is built into ADVICE/Connect and is provided under the BaFin licence held by BANKSapi. No ZAG authorization or PSD2 registration of your own is required.

Access runs through the bank’s regulated PSD2 authentication – the same route your customer knows from online banking. It is read-only, limited to the selected accounts, one-off and revocable at any time. Your customer sees what it is about before starting and decides what to release to you.

The analysis works on rules, statistics and algorithms. It detects what can be derived from the connected accounts – cash movements, contracts without identifiable payments and accounts that are not connected remain outside its scope. The result is an automated preparation for your conversation, not a definitive inventory.

No. BANKSapi provides no investment, insurance or financial advice and makes no product or acceptance decisions. The analysis is neutral and tied to no product range; the advice remains entirely yours.

Yes. You can go through the entire journey with sample data and see the finished analysis result without connecting real account data.

Cut costs,
grow revenue,
reduce risk.

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ADVICE/Connect replaces manual data entry – in advisory conversations, in your customer portal or in your lending process. Detected contracts, assets and life situation create new revenue opportunities. And because you work with actual payment flows instead of self-reported information, you decide on solid ground – at the depth your use case requires.

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