Use Cases: Discover your
possibilities with Open Banking

Our use cases show you how to use banking API,
data intelligence, identity verification and
payment solutions to implement online applications.
We are happy to answer questions you have about
these examples.
Request advice
New business models and
added value with open banking
Use finAPI in a wide range of financial scenarios.
Connect bank accounts to your system using our banking API
for additional cash flow or risk analysis, further
payment possibilities, identity checks and much more.
Request advice
Optimize your company’s
internal processes
Payment matching, optimization of receivables management,
easier financial and liquidity planning or just simple
payment methods for your online shop: finAPI makes
a whole range of processes simpler and more efficient.
Find out more by looking at these open banking use cases.
Request advice

Use Cases: Discover
your possibilities
with Open Banking
Our use cases show you how to use banking API,
data intelligence, identity verification and payment
solutions to implement online applications. We are
happy to answer questions you have about these examples.
Request advice
New business
models and added
value with open banking
Use finAPI in a wide range of financial scenarios.
Connect bank accounts to your system using our
banking API for additional cash flow or risk analysis,
further payment possibilities, identity checks and much more.
Request advice
Optimize your
company’s internal processes
Payment matching, optimization of receivables management, easier financial and liquidity planning or just simple payment methods for your online shop: finAPI makes a whole range of processes simpler and more efficient. Request advice

Use Cases: Discover your possibilities with Open Banking Our use cases show you how to use banking API, data intelligence, identity verification and payment solutions to implement online applications. We are happy to answer questions you have about these examples. Request advice New business models and added value with open banking Use finAPI in a wide range of financial scenarios. Connect bank accounts to your system using our banking API for additional cash flow or risk analysis, further payment possibilities, identity checks and much more. Request advice Optimize your company’s internal processes Payment matching, optimization of receivables management, easier financial and liquidity planning or just simple payment methods for your online shop: finAPI makes a whole range of processes simpler and more efficient. Find out more by looking at these open banking use cases. Request advice

Multibanking for banking and finance apps

More and more banks and third-party providers are offering their customers multibanking applications and apps for personal finance management. These apps have a variety of aggregation, filtering and analysis functions. Customers with accounts or deposits at multiple banks can have an up-to-date overview of their financial situation anytime and anyplace.

Finance platform: Finances and insurance at a glance

Digital finance platforms or finance apps give bank and insurance customers a complete overview of their finances and insurance status. With the customer’s permission, account transactions can be analyzed and potential for optimization identified. Providers such as banks and insurance companies can tailor such financial software to provide customers with individualized advice and support in key life events.

Automated credit applications: Credit check via bank account data

Thanks to PSD2-compliant interfaces, more and more banks and credit institutions are offering their customers a digital credit check. This allows customers to obtain a loan quickly and conveniently online, provided they meet all the requirements. All they have to do is agree to a one-off check of their bank account status and transactions, a so-called “digital account check” or DAC.

Identity verification and KYC check via bank account data

Customers and business partners can verify their identity securely, quickly and conveniently with GiroIdent via their online banking. The account holder logs into his bank account, and we match their name, date of birth, address, and other relevant data for the AMLA check. This protects against identity fraud.

Payment reconciliation and receivables management in accounting system

You can integrate business accounts into accounting software or ERP systems via our banking API. You can use automated payment matching to make accounting processes more efficient, or optimize downstream processes such as receivables management.

Customer-oriented receivables management

Companies and equally their customers with outstanding receivables benefit from our receivables management tool finAPI DebitFlex. Using a one-off account check, finAPI DebitFlex analyzes the customer’s account data and determines individual payment proposals for the smooth settlement of the debt: immediate payment, payment deferral or payment by installments.

Online payments: Credit transfers and direct debits

Bank transfers and direct debit are must-have payment options for online stores. And accounts departments cannot work without these payment options either. Collective bank transfers and collective direct debit are also needed more and more often. No problem, because all these payment options are possible with our payment API.

Smart liquidity check before approving a contract

With finAPI GiroCheck, consumers without sufficient proof of creditworthiness can demonstrate their current liquidity via a one-off bank account check. That way they still have a chance of making an online purchase or signing a contract. With the help of this smart, customer-friendly and secure liquidity check, merchants can generate additional sales and win new customers.

AI-supported consulting assistance for insurance industry

Our contract recognition and analysis of changes and events in bank transactions can help insurance companies to provide better advice to customers. Insurances use account analysis to find out about existing and new insurance contracts or possible insurance-relevant changes in customers’ account transactions, and then provide your customers with individual, tailor-made offers.

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