finAPI Platform

An Open Banking API.
A finAPI platform to build on.
A world of possibilities.

finAPI is a secure and easy-to-use platform to connect companies, banks and individual users. Our open banking API gives companies the possibility to access and analyze account data or even initiate payments on behalf of customers. We also offer support to banks and financial service providers with an XS2A server, which delivers a PSD2-compliant banking interface for TPPs. finAPI is flexible, adaptable and always ready for the next challenge. We can help you to create innovative financial services that deliver real added value for you and your customers.


Advantages of working with finAPI

finAPI Product Portfolio

Our expertise focuses on these four areas:
Open Banking, Data Intelligence, Payment & KYC.

Open Banking API:
Your platform for digital finance

Our Open Banking API enables easy access to banking data from a range of sources, opening up new opportunities for innovative products, services, and even entirely new business models. If you use our software, you can also use our PSD2 license, and our XS2A (Access-to-Account) server for banks and the corresponding PSD2 bank interface.

Data Intelligence:
Implementing new solutions based on data

Having easier access to data smooths innovation and process optimization. finAPI’s Data Intelligence modules enable comprehensive analysis of financial data including categorization, various cash flow and risk reports as well as contract recognition. Data enrichment, artificial intelligence and machine learning algorithms ensure the highest data quality and the best possible results.

Payment: Online payments in accounting and e-commerce

Add two of Germany’s most popular payment methods to the check-out of your online store: SEPA transfer and SEPA direct debit. finAPI enables multiple transfers and direct debits for more simple payments and smoother accounting processes. And as a BaFin-licensed payment institution, finAPI can also offer payment triggering services.

KYC: Digital identification of customers & business partners

Through intelligent account analysis and supplementary data from SCHUFA – Germany’s leading provider of data on creditworthiness -, finAPI GiroIdent can identify customers and business partners securely and quickly. Depending on the KYC check you need, you choose the scope of the identity check: simple name matching, age verification and address validation, or AMLA-compliant identification of customers and business partners in accordance with the simplified due diligence requirements of AMLA Section 14.

Use Cases

How can our solutions help you?

There are many ways of benefiting from open banking API technology. For example, we can help you optimize your digital financial services and adapt them to the increasing user demands in the context of the digital transformation.

But our platform is not only aimed at traditional financial service providers. Any company can profit from our sophisticated technology, optimize accounting processes and be part of the digital financial future.

Multibanking, finance management, automatic payment checks, credit checks for automated digital lending, and analysis of customer data for optimizing advice are just a few things we make possible. A description of popular use cases can be found by clicking below.

Ready for the future?

Start using finAPI today

Do you have any questions or need more information?

Then contact us directly.
We will be happy to advise you.

Would you like to test our banking API and other modules?

Get free access to our test system for 30 days without obligation.

Do you know what you need and want to order directly?

No problem. That’s what our online store is for.

Our References

Companies from a wide range of industries trust in finAPI

Our clients and partners have been relying on our services and expertise in the financial IT for many years. In banking, insurance, e-commerce and financial technology. Start-ups, medium-sized businesses and large corporations. Our software is used by a wide variety of companies. And for a wide variety of purposes.


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