Open Banking Gateway
Make your money count with Open Banking
One solution – endless opportunities!
Leverage the value of Open Banking – with adorsys Open Banking Gateway
High connectivity to banks
Covering >95% of retail banking interfaces in Germany – PSD2 as well as HBCI / FinTS
Maximum data protection
GDPR-compliant storage of data, efficient use of large amounts of data,
exclusive hosting
Easy Integration
A single API for all bank interfaces across German-speaking-countries. Your own BaFin-licence gets you started straight away
NextGenPSD2-conform
AIS, PIS, PIIS including all SCA workflows in line with Berlin Group specifications
Modular Gateway
The framework enables a quick connection to expand into new markets and offers a high level of scalability
360-Degree Service
We not only take care of the implementation, but also advise
on the best business model
Reaping the benefits of Open Banking Gateway
for you and your customers
Advantages for your customers
- Your customer gets a full overview of their personal finances
- Your customer can bundle several accounts in one app, making payments easier
- Your customer is able to easily manage insurances and subscriptions
- Your customer can compare prices & save money more easily
- Your customer can enjoy user-friendly multibanking
Advantages for your organization
- Increase your sales revenue with new business models
- Leverage account information and payment initiation services for ongoing product development
- Use our PSD2-compliant solution quickly, safely and in accordance with regulatory requirements
- Trust adorsys‘ longstanding experience
- Concentrate on your core business – let us handle the rest
Helping our customers succeed
“We really appreciate how adorsys went above and beyond to deliver the right solution. Despite the lack of uniformity of X2SA interfaces in the market, adorsys has developed
a future-proof solution for us.”
Alexander Rudat, Head of Development, Teambank AG
You want to increase your revenue with Open Banking?
You‘ve already heard of Open Banking but are not sure what exactly it is all about?
– Open Banking allows third-party providers (TTPs) to request account information from banks and initiate payments, with the account holder’s permission.
– Account holders enjoy new, innovative services.
– Data-driven innovations, artificial intelligence and data mining allow every company to optimize their processes, which leads in turn to increased sales.
– The PSD2 payment guideline enables banks and financial service providers to set up processes and business models for everything to do with multibanking in a secure and future-proof manner.
– Open banking has the potential to completely turn around the competitive landscape and customer experience in the financial industry.
Ready to start Open Banking with adorsys?
New and innovative use cases across all industries – Now it‘s your time to get started!
Industry
Optimize your financial and liquidity planning through different bank accounts in one interface.
E-Commerce
Improve your customers’ shopping experience with faster payment and refunds – even at the point of sale.
Telecommunication
Offer your customers payment services or enable the direct settlement of small amounts via their smartphone.
Automotive
Use the payment initiation service so that your customers can pay you regardless of the bank – be it for electricity or car sharing.
Insurances
Rapid review of insurance gaps with existing customers and an overview of their purchasing behavior in almost real time.
Banks
Offer your customers account information and payment initiation services as well as tailor-made financial products.
These are the challenges of Open Banking
- TTPs and banks want to offer innovative business models without having to struggle with the development, testing and implementation.
- Interacting with a range of different bank APIs can be expensive and time-consuming
- Most providers do not offer a dynamic test environment with which the business model can be tested in a realistic and comprehensive manner.
The solution:
Open Banking Gateway by adorsys
- One solution for all interfaces
- Modular architecture for Multibanking and protection of data privacy
- Comprehensive Service
- Dynamic Test environment
- Extensive coverage and application options in banks’ heterogeneous system landscapes
These modules will take you to the front of the open banking race
B2C Rest
One interface for the complete Consent Management (end customer consent)
Identity Management
Easy integration of various identity management systems for strong customer authentication
Multibanking Service
Account information, evaluation and payment initiation
Datasafe
GDPR- compliant data storage & efficient processing of large amounts of data
More about Datasafe
White-label login
Out of the box customizable login portal for embedded consent authorization
ModelBank
Ideal test environment for Fintechs and TPPs to try out different business models
More about ModelBank
>0%
of German retail banking market covered
<0
Days rollout time
>0
years experience
0%
Delivery compliance
COO
Here to help you
„Whether you are a bank, a FinTech or a third-party provider – our Open Banking Gateway can be implemented quickly, reducing your time to market. As experienced experts for the DACH region, we give you all the tools you need to take your business model to the next level“