Open Banking Hub
We enable access to all current accounts after authorisation by the holder - across all banks and PSD2-compliant. All our interfaces are flexibly customisable and we work with you to develop a solution for your individual use case.
Our services
- AISP Account Information Services
- PISP payment initiation services
- Secure and legally compliant. We fulfil all the requirements of the national supervisory authority (FMA) and have all the necessary licences.
- Simple and convenient integration. We aggregate and normalise different data sources and technical protocols.
- Our system adapts to your needs. We develop together with you and adapt our APIs to your individual use case.
Business Development
Sales
With our system, you can make reliable statements about a person's income based on account information. The previously time-consuming process via credit agencies is replaced by a clear digital verification. As soon as a person gives their consent, their creditworthiness is determined by means of a direct account enquiry with Austrian banks.
Support for credit checks for postpaid contracts
Ensuring the tenant's ability to pay in the event of damage
Check whether the interested party has a regular income
After authorisation by the account holder, you can retrieve account data, such as transactions or account balance, repeatedly and up to 90 days in the past via the account information service (AISP).
Automated checking of incoming payments, e.g. school fees
Provision of cross-bank services
Use of client account information for accounting mechanisms
Reconciliation of incoming and outgoing payments, e.g. rent and operating costs.
Payments in e-commerce are usually dependent on external payment schemes such as VISA or Mastercard, which incur additional costs.
The payment initiation service (PISP) uses existing bank IT systems to process a digital money transfer. This saves costs and avoids regulatory requirements such as PCI certification.
Our solution enables simple digitalisation of payment transactions in the form of bank transfers, such as excursion money in schools.
Without detours via traditional payment schemes, such as MasterCard or VISA
The banks' existing authentication mechanisms ensure maximum security.