Open and Digital Finance

Excel in Open and Digital Finance

With our proprietary XS2A frameworks and expert services, we have helped more than 50 financial institutions achieve PSD2 compliance.

Our open source solutions serve as a reference within the European market.

Challenges with the upcoming PSD3/PSR and FIDA regulations are even bigger. And they affect more sectors, e.g. insurance. We will continue to provide secure, flexible and future-proof solutions that are easy to integrate, cost-effective and reliable.

Open and Digital Finance at adorsys

Leading the future of open and digital finance

By harnessing the power of open and digital finance, we help our clients develop and implement digital strategies, improve customer experience and create new revenue streams.

We have a proven track record of helping our clients navigate the complexities of regulatory compliance, open finance and digitisation to stay ahead of the curve in the rapidly evolving financial industry.

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  • Implement NextGenPDS2 XS2A frameworks, fully customized to your exact needs. We work with our own frameworks as well as solutions from our partner network.
  • Assess your existing PSD2 implementation to identify gaps, share best practices and provide recommendations for full NextGenPSD2 (including NISP) compliance.
  • We help you navigate the complexities of regulatory compliance, open finance, and digitization to stay at the forefront of market developments.
  • Transform your institution with efficient open finance strategies that reduce costs and improve the customer experience.
  • Deliver a range of open financial solutions through our ecosystem of specialized partners to serve customers around the world.
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Our Frameworks

adorsys XS2A-CORE

A fully PSD2 compliant XS2A interface supporting the latest specification of the NEXTGENPSD2 implementation, offering all mandatory and most of the optional PSD2 XS2A flows.

Learn more about XS2A Core

adorsys ModelBank

A dynamic XS2A sandbox solution that provides a simulated and highly functional representation of a PSD2 compliant bank with self defined or generated test data.

Learn more about Modelbank

adorsys Compatibility Test Kit

A test automation framework based on NISP test cases to run automated tests against NextGenPSD2 XS2A interfaces to validate PSD2 readiness.

Learn more about XS2A Compatiblity Test Kit

adorsys QWAC Assessor

A tool for ASPSPs to verify and confirm a third party provider’s identity, authorization and assigned PSD2 roles according to its QWAC certificate in the ASPSP’s country of operation.

Learn more about QWAC Assessor


Active community memberships

We recognize that staying abreast of the latest emerging trends in open finance and regulatory developments is critical to staying ahead of the curve in the rapidly evolving financial industry.

Our active and long-term membership in the Berlin Group and NISP is a testament to our commitment. We recently joined the ETPPA to actively shape the future of the European finance industry in the advent of PSD3 and FIDA.

We set the Standards at adorsys

Customer Story

BaFin grants exemption: Bank-Verlag’s customer banks are not required to implement so-called fallback solutions using XS2A implementations of adorsys.

Such an exemption will only be granted if the current implementation of the PSD2 interfaces is proven to meet all requirements regarding functionality, stability and performance. All customer banks using adorsys XS2A services will therefore not have to provide alternative fallback solutions, reducing complexity and saving IT and maintenance costs.

Open Press Release