ModelBank

Emulates Open APIs so you can create bank accounts, trigger payments and experiment with data

The challenge

The Payment Service Supervision Act mandates that account providers offer regulated access (X2SA) to online payment accounts for third-party card issuers, payment initiation service providers and account information service providers – all in accordance with PSD2.

However, as a bank, how do you allow TPPs to test PSD2 open APIs?

And how can a TPP develop its own system that connects to the open API interface?

The solution

Our ModelBank is the first step towards PSD2 compliance it’s an isolated sandbox environment where processes between TPPs and banks can be tested. The aim is to improve the user experience before a bank’s production system goes live.

Using an intuitive user interface, the ModelBank allows direct access to bank APIs and TPP certificates as well as the management of test accounts – without having to use any real-life account data.

Updated regularly, the open source solution can be installed with just one mouse-click and run with just one command. It comes with all the modules you need to become PSD2-compliant, including X2SA interface, real-time bank emulation (ledgers), TPP user interface for account and user management, online banking user interface for testing, test certificate generator and a developer portal that offers comprehensive instructions.

As the X2SA interface forms part of our X2SA core project, the sandbox environment also comes with support for multi-level SCA, multi-currency accounts and other features.

The benefits

  • Comprehensive PSD2 service based on Berlin Group standards
  • Reliable test option to create certificates; NISP test support
  • Personalised UI for account and user management
  • Realistic simulation – emulates a banking system with dynamic sales data
  • Plug and Play
  • Open source and always up to date

Are you ready to get started?

Access the Open Source project in GitHub for more information.

For more information, please contact

Rene Pongratz adorsys

René Pongratz

Vice President Marketing/Sales

sales@adorsys.com