Open Banking AI Data Access Platform
The Open Banking AI Data Access Platform provides standards-compliant, consent-driven access to financial data — fully FAPI 2.0 compliant and usable by both fintechs and enterprises around the world.
The business case
- Compliance is the moat, not the obstacle. FAPI 2.0 is the security profile regulators (and the big banks) trust. Meeting it out of the box removes the 12–18 month certification detour that kills most open banking roadmaps.
- Consent-driven data access opens partner revenue. Once customers can grant — and revoke — access to their data safely, aggregators, lenders, and PFM products can build on your rails.
- AI turns raw feeds into decisions. The platform doesn't stop at plumbing: AI layers turn transaction and account data into affordability scores, cash-flow analytics, and product recommendations — the products fintechs actually monetize.
- Works for both sides. Fintechs consume the data; enterprises (banks, insurers) expose it. One platform serves both roles.
Core capabilities
| Capability | Why it matters |
|---|---|
| FAPI 2.0 compliance | The security profile banks and regulators accept. |
| Consent management | Customer-granted, revocable, auditable data access. |
| AI analytics layer | Cash-flow insight, affordability, and recommendations from raw data. |
| Enterprise & fintech modes | Deploy as a data holder, a data consumer, or both. |