Open finance software. Made in Munich, Germany.

finAPI is a financial tech company based in Munich, and one of Germany’s leading providers of open banking and open finance solutions. Our account information and payment initiation services are licensed and approved by the German Federal Financial Supervisory Authority, BaFin. We have been providing finance software solutions for B2B customers since 2008.

Software solutions to aggregate and analyze financial data

As a software developer and service provider for the financial sector, finAPI delivers simple and secure cloud-based financial software solutions for aggregating and analyzing financial data. We focus on B2B2X products for open banking, open finance, data intelligence, KYC and online payments. Our customers are banks, financial service companies, fintechs and companies from other sectors.

finAPI – A SCHUFA Company

In 2019 the SCHUFA Holding AG acquired a majority stake in the financial tech company finAPI. Since then, the two companies have been working together to develop XS2A-based open banking solutions. The first joint development was finAPI GiroIdent, a secure and practical way of identifying customers for e-commerce.

Your advantages

Key facts about finAPI

Our vision and mission

Our aim is to be Europe's leading financial tech company and number one partner for open finance solutions.

finAPI enables access to bank account and other valuable financial data. This allows us to enable you to create innovative financial services, drive the development of your digitally automated processes, and simplify and improve both your processes and the services you provide to your customers.

Our values

The heart of our corporate culture


We are agile and flexible and open for new ideas. This enables us to react quickly to the dynamics of the financial market, and develop innovative solutions for the widely varying needs of our customers.


For finAPI, “quality” is more than just a buzzword – it is the foundation of our mission. For us, quality means providing our customers with great product solutions for financial applications. Quality also means providing our customers with a dedicated support team, understanding their needs and offering innovative solutions.


Reliability, commitment, and fairness are key to how we deal both with our teams and with our customers and partners. We insist on open communication and emphasize the value of transparency. These values are not only the cornerstone of our cooperation, but also pave the way for mutual trust, which promotes joint success.


Team spirit

The strength of our team is not only based on the combination of experience and expert knowledge, but also on mutual respect and trust. The best results are not reached by individuals alone, but through teamwork. We think of our customers as part of our team, and see our customers as partners with whom we work together to achieve the best possible results.

The finAPI story

Milestones in our history



finAPI is founded by
Dr. Florian Haagen and
Dr. Martin Lacher.


Product launch

finAPI launches on the German market with one of the first PFM programs for banks.


Successful pilot trial

Software is used successfully by the Sparda-Bank Baden-Württemberg.


Close cooperation

finAPI establishes a corporation with ELAXY Financial Software & Solutions. The product is developed further and marketed as ELAXY Finance Manager.



The Sparda-Banks and the August Lenz Bank are the first to use our PFM technology.


ELAXY Financial

ELAXY Financial Software & Solutions take over the Finance Manager and its further development.


New direction

A new direction for finAPI and the development of our first intelligent banking API for innovative financial applications in companies.


Going international

Internationalization of the banking API finAPI Access, and connection to of international banks.


Regulatory approval

finAPI is registered as an account information service provider and is licensed as a payment initiation service provider by the German Federal Financial Supervisory Authority (BaFin).


Cooperation with SCHUFA

SCHUFA Holding AG acquires a majority stake in finAPI and starts a close cooperation in open banking and access-to-account (XS2A).


Broadening of product portfolio

Extension of modular and scalable finAPI software into open banking, data intelligence, KYC and payments to allow further individualization of solutions for individual customers.



TÜV Informationstechnik GmbH (TÜViT) has awarded finAPI the “Trusted Site Privacy” certificate.

Optimal extensions

More than just an API for account aggregation

finAPI can access account information from almost all banks in Germany, Austria, Belgium, France, the Netherlands, Romania, Slovakia, the Czech Republic and Hungary. Furthermore, we offer a wide range of services for financial institutes, account information services, service providers to the financial sector and other companies.


Our finAPI products

Would you like to find out more about our products? You can find all the details about our banking API, data intelligence analysis, KYC solutions and payment solutions by clicking below.

Use cases

Our software can be used in a wide variety of ways. These use cases explain the most common ways our customers profit from finAPI: multi-banking, finance manager, liquidity checks for credit applications, identity verification (KYC checks), bookkeeping process optimization including payment matching, and receivables management.

Success stories: Let our customers tell you how good we are.

Hundreds of companies use our banking API and other software solution successfully. These success stories tell you how they have used finAPI to help their businesses.

Your career at finAPI

Would you like to help finAPI improve financial technology? Then apply for one of our vacancies.