White paper: Financial Data Sharing Scheme

FinTech & Banking

Use our Open Banking and front-end solutions to reinvent banking, enable innovative touchpoints between new market participants and end customers, or offer payment services more cost-effectively.

Discover with BANKSapi how you can create a new customer experience and increase your sales success.

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Use cases

Multi Banking

Keep an eye on multiple bank accounts centrally in one place with up-to-date data. This is possible with BANKSapi. Integrate our API and implement the multi-banking function in your online banking or financial portal. Alternatively, you can let us help you with ready-made micro-frontends. With multi-banking, you once again secure the digital interface to the customer, as you give your customers fewer reasons to visit the online offers of competing banks. For you, this means significantly more touchpoints and opportunities for cross-selling and up-selling.

Financial Home

Dramatically increase the contact points with your brand and your services! A customer portal with Financial Home as an app or on the web bundles all financial services and self-services in one place. By integrating portfolios and mapping all other financial assets, you can consistently track your customers' wealth development – this creates relevance. Our solution is cost-effective, increases process efficiency and boosts your sales success.

Creditworthiness Analysis

What can your customer afford? Will banks provide the required or desired loan amounts? What dream home can your customer afford financially? How can your customer improve his/her credit rating? As a credit institution, financier or FinTech, you may want to proactively answer these questions to make customers aware of their options. In the application process, however, you want to assess creditworthiness. For this, your customers' account data is meaningful and can also be obtained without media disruption. Use account data and our analyses to have qualified answers ready that are tailored to your customers.

Personal Finance Management (PFM)

PFMs allow end customers to manage simple financial affairs digitally on their own. However, customers still rely on the expertise of financial advisors to make the best possible decisions. Use our PFM solutions to meet the demand for digital self-services and combine them with your personal advice.

Contract Manager

Limiting recurring monthly expenses is a crucial step for households to build wealth over the long term. With our contract manager, you can assist your customers in achieving this goal. The tool identifies contracts in account transactions, presents them clearly, and provides the opportunity to cancel unnecessary contracts. The funds that are freed up can then be redirected towards saving and investment products.

Identification of cross-selling opportunities

A house needs to be properly insured. Ongoing expenses can become a significant burden in the event of occupational disability. Regular payouts can be reinvested. Our solutions provide a comprehensive picture of your customers and give you the necessary information to present suitable add-on offers.

More use cases

As your customers' financial partner, it is your core task to support them with suitable financial, insurance and pension solutions during life-changing events. Through our machine learning-based account data analyses, we can identify things like marriage, the birth of a child, changes in professional status or salary increases, and thus alert you to changes in your customers' opportunity and risk situation at an early stage. This allows you to make suggestions for new products or adjust the conditions of existing products at the right time

We can gain valuable data and insights from your customers' account movements and derive cross-selling potential. Use this to increase your contract portfolio and your sales success. You can also send your customers automated notifications digitally and thus reduce your sales costs.

We understand that your digital front ends must comply with your CI specifications to be seamlessly embedded in your online offering or to be recognized by your customers. That is why our solutions are developed as white label products. This means that we can flexibly adapt the UX elements - designs, logos, colors, fonts - according to your specifications.

BANKSapi offers powerful data analysis tools for propensity-to-buy analysis. These enable the precise prediction of purchase probability and the early detection of churn tendencies. By developing personalized offers and targeted marketing strategies, you can increase sales and improve customer satisfaction.

With which
project may we
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Get advice

We are your partner for Open Banking and Open Finance solutions. We would also be delighted to realize your idea or your specific project. Thanks to our many years of experience, we can also provide you with comprehensive advice.

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