Plaid Alternatives

The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.

Know the real identity of your customer, user, or employee with the Udentify Identity Verification and Biometric Authentication solution. Challenges we solve: - Identify verification - Onboarding - New account opening - Age verification - Fraud prevention - Biometric authentication - Passwordless authentication - Strong customer authentication - KBA replacement - KYC and AML compliance Behind the scenes, Udentify embeds cutting-edge technologies into our identity verification and biometric authentication solution via a lightweight and flexible SDK. We are constantly investing in our technologies to stay at the forefront of fraud detection, compliance, and user experiences.

SBP Digital Banking Suite is an advanced open platform with modular banking features, providing omnichannel customer experiences & cloud-native capabilities. It covers all banking services from onboarding to day-to-day banking and beyond with open banking (Enhanced Onboarding, Credit Insights, etc.) SBP Digital Banking Suite integrates natively with leading fintech partners, utilizing API-first & microservices architecture for easy integration. It supports flexible deployment models, from SaaS to private, hybrid, and public cloud solutions. SBS Financing Platform is a modular platform designed to boost the efficiency of asset financiers worldwide. It simplifies the entire lending process, from the front to the back office, making it a great fit for both new market entrants and expanding businesses. The clients of the SBS Financing Platform benefit from a wide partner network seamlessly integrated into the platform, giving them a strong competitive advantage.

Alviere’s embedded finance platform allows any organization to seamlessly integrate financial products and services into their existing offerings, and provide customers and partners with the most comprehensive embedded financial solution on the market. Alviere’s platform offers an extensive range of customizable branded products and services that include FDIC-insured virtual accounts and physical card issuing, payments, digital global money transfers, and crypto/web3 products, all through one API integration. Alviere is a fully licensed and regulated financial institution, and provides comprehensive compliance, risk management, fraud/AML montioring and security to ensure long-term program success.

Market-leading coverage and accuracy from the most comprehensive solution. Over 1000 companies rely on Socure to ensure customer trust and unlock rapid acquisition growth across all channels. Socure serves 1000+ customers including financial services and fintech leaders, and we’re rapidly expanding across adjacent verticals, including telco, payroll providers, crypto, government & public sector, healthcare, online gaming, cable, and insurance. Socure ID+ supports automated machine-learning identity fraud risk management, as well as data-centric Know Your Customer (KYC) and Global Watchlist compliance tools, all returned with reason codes for decision transparency. DevHub is a central hub for developers to easily integrate and quickly build identity verification applications on the Socure ID+ Platform. DevHub contains documentation for all product modules, an API Reference Guide, a support ticketing system, and the latest communication updates in a self-service model for developers.

Finicity’s open banking platform makes connecting your customers’ financial data to your app or service simple. Finicity’s open banking platform is being used by some of the largest and most innovative organizations in the world to empower their customers with better financial experiences. Data quality is essential to your experience. Our data is battle tested in the most rigorous markets. Easily code to endpoints, test data and connect to Finicity’s open banking platform for leading API coverage of banks, credit unions, payroll providers and other financial services. Our suite of APIs makes it easy to access the data you need to power your products.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Business banking made for America. Business builders asked for better banking. So we built NorthOne. Open an account in minutes. Building your business, creating jobs and serving your community is what you do. It’s hard work. NorthOne makes the hardest parts of running your business easy. Focus on the road ahead, we’ve got your back. NorthOne is proudly built for small businesses, startups and freelancers across America. Make payments easily, keep tabs on your money and put your finances on autopilot through smart integrations with the tools you’re already using. NorthOne was built to make managing money easy so you can focus on running your business. No more branches. No more lines. No more paperwork. Get complete access to your NorthOne Account from your phone or computer, wherever your business takes you. Create Envelopes for taxes, payroll, rent, and anything else automatically.

ABLE Platform is a multimodule web software that covers the entire loan origination and loan management processes. The following modules are included: - Landing page - to attract new borrowers. - Borrower portal - to serve actual borrowers. - Self-service portal - to manage the whole enterprise activity. - Back-office - the core of the platform to manage incoming loan applications, service disbursed loans, configure the loan product catalog, built-in dashboards and more. The platform automates the lending process throughout all the stages: - Initiation of omnichannel application - Consolidation and restructuring of debts - Negotiation with customers - Application decision-making - Personalized offers - Automation of the loan disbursement ABLE Platform serves any type of loan: - Payday Loan - Personal Loan - Point of Sale Loan (POS) - Buy Now, Pay Later (BNPL) - Mortgage Loan - Home Equity Loan - Auto Loan (Car finance) - Student Loan, etc

Boss Insights’ platform digitizes lending to grow relationships between banks and their business clients. Thanks to Amazon style advancement, there is a growing divide between lenders’ service and businesses’ expectations. Banks excel in regulation, however, operate with limited information on their business clients (out of date and gathered manually). Boss Insights’ API hub empowers lenders to bridge the divide. APIs are the most efficient way to digitize existing processes enabling accelerated service and a complete view in real time. The platform is used to accelerate SBA, SMB and Commercial Lending from months to minutes. It also supports cross-selling products empowering banks and credit unions to proactively serve customers.

Kinective’s OmniConnect platform allows financial executives to truly connect to banking’s future by bridging the gap between legacy systems and modern digital services through turnkey, fintech integrations across multiple use cases including loan origination, account origination, payments, mobile applications, CRMs, and more. With over 80+ Fintech's integrated to 40+ Cores, our connectivity solutions provide true choice to transform at a chosen pace without extensive internal development resources, while being able to choose a best-of-breed versus best-of-suite transformation strategy. Even further, our connections aren’t limited to a specific subset, as our intent is to provide true choice and access with the most comprehensive connective ecosystem of use cases, channels, and cores.

FPS GOLD has been providing core banking, mobile and online banking, wire transfer software, and a content management system to financial institutions for over 55 years. Our mission is to help financial institutions compete, profit, and thrive by providing flexible and robust software that's paired with unmatched customer service. With FPS GOLD, you get more because WE ACTUALLY CARE. Don't believe us? Test it yourself.

TurnKey Lender is a one-stop lending infrastructure used by creditors in 50+ countries to automate all elements of their operations. The platform enables lenders to profitably grow their business while cutting operational costs and risks. It's a powerful AI-driven SaaS that automates over 90% of all lending processes and gives both B2C and B2B lenders a competitive edge. TurnKey Lender Platform has several pre-configured solutions packages including Commercial, Consumer, Pay Later, Auto, Mortgage, Leasing, Factoring. Built in constant collaboration with lenders worldwide, TurnKey Lender is the ultimate solution that answers real-life digital lending challenges in a sophisticated manner.

Instant Bank Verification provides real-time, user-permissioned financial data aggregation and verification designed for lenders. What you can do with IBV? Verify users’ identities and reduce fraud. Verify real-time account balances. Understand income and verify employment. Access detailed transaction history. Verify borrowers’ assets straight from the source. Add flexible pricing - where you only pay for services when you use them - and IBV stands apart as a right-sized solution for your loan originations. Ideal for retail loan origination, short term lending, auto financing, property rental, and more. IBV is powered by an easy to integrate web portal that can be added directly to your existing website or a fully documented API. To better understand how IBV works, check out the demo on our website.

Flinks is the creator of a powerful no-code platform and financial data APIs that make it easy and efficient for your team to build with financial data. Trusted by millions of individuals accessing financial services at world-class companies, our purpose is to make the struggles of open banking a thing of the past. Flinks’ products at-a-glance: Enrichment — Get actionable insights on financial data for credit, fraud, and behavior; Connectivity — Let users connect their bank accounts to your products; Outbound — Deliver a winning Open Banking program. Flinks also supports financial service providers across industries and sizes — from consumer and commercial lending, payments, digital banking, fintech, to wealth management, we power different use cases and enable financial innovation for you and your customers.

Salt Edge is a leading financial API platform with PSD2 and open banking solutions for every business. The company has two main vectors of activity: 1. Enabling third parties to get access to 5,000+ bank channels via a unified gateway. 2. Developing the technology necessary for banks to become compliant with the directive’s requirements. ISO 27001 certified and open banking licenced in the UK, the company employs the highest international security measures to ensure stable and reliable connections between financial institutions and their customers. The company is integrated with thousands of financial institutions in 50+ countries and takes great pride in providing open banking solutions to various financial institutions, including ING Bank, Western Union, Finom, Pleo, Freshbooks, Hyperjar, Azimut, Odoo, MoneyWiz, and many others. Salt Edge has been named a Strong Performer in The Forrester Wave™: Open Banking Intermediaries, 2023 Report.

At ConnectPay, we offer an all-in-one financial platform that’s been purpose-built to help your online business to scale. By providing an all-in-one, easy-to-use financial platform, we take care of payments, accounts, and basically all things finance so you can focus on what you’re passionate about. What makes us special is that not only do we hold an EMI license, but we also offer a comprehensive suite of compliance solutions that come embedded in our platform. With us, you can relax and focus on what you do best while we take care of the complicated things. We also have a proven track record with leading platforms, marketplaces, and other online businesses. In 2023, we processed over 3.6M transactions averaging €1B per month and we held 101M of client funds. This is what we offer: - Embedded finance - Built-in compliance - Multicurrency IBAN accounts - Digital wallets - SEPA transactions - SWIFT payments - Payment cards - Payment gateway - Daily banking

Envestnet | Yodlee, the leading data aggregation and data analytics platform, helps consumers live better financial lives through innovative products and services created for more than 1,400 financial institutions and FinTech companies, including 16 of the top 20 U.S. banks. We're powering the future of financial apps and services with solutions for wealth managers, banks, merchants, and more. Find out how we can help you grow. Our data aggregation platform enables financial institutions and FinTechs to help consumers achieve better financial outcomes. We adhere to leading industry practices for data security, regulatory compliance, and privacy. View the latest update from Bill Crager on Envestnet's intention to remain committed to action. Browse our library of white papers, on-demand webinars, eBooks, case studies, and more–all packed with product information, actionable advice and invaluable insights.

Stop fraud, spam, and account takeovers with 99.5% accurate browser fingerprinting as a service. Access suspicious visitor activity and geolocation at lightspeed. Integrate our API into your server-side business rules or signup process. Receive instant notifications delivered securely to your backend systems, ideal for building scalable and asynchronous processes. Powerful account takeover protection for any web application. Keep your customers' accounts safe by accurately identifying threats before they cause damage. Users that re-use passwords across multiple services are at risk of having their accounts accessed by fraudsters who purchased or hacked their account information from elsewhere. Catch these attempts by associating multiple login attempts from bot networks. Social engineering is still one of the most reliable methods for fraudsters to access accounts. Require new visitors to provide additional authentication to stop phished accounts from being accessed easily.

Free banking data & premium insights. All-in-one banking data API for building powerful banking, lending and finance apps. All-in-one API for account information, transaction categorization and insights.

Mortgage brokers win more business with the Loansifter PPE, your gateway to hundreds of investors and thousands of products. Loansifter is the only PPE that supports best execution searches across 120+ wholesale investors, allowing leading brokers to stay competitive and confidently execute profitable lending strategies. Gain access to rates in a matter of minutes via an immediate, self-service set up—no demo required. The Loansifter PPE calculates BESTX™ product eligibility and pricing for financing scenarios across more than one hundred investors and thousands of products—in just seconds. With a single click, you can view a complete price grid and guidelines for more than 120+ wholesale investors. Save even more time by establishing your own search criteria defaults or through a direct LOS integration with Calyx Point®. The features available in the Loansifter PPE significantly improve workflow efficiencies and give you the confidence to quote the best execution, every time.

Our open API platform enables the world's innovators to instantly issue & process cards with more control, flexibility & scale. Marqeta is rewriting the rules for what’s possible with payment cards. With the most advanced infrastructure and tools for building highly configurable payment cards, Marqeta’s open API platform is designed for developers who want a simplified way of managing payment programs so they can create world-class experiences, innovate, and power new modes of commerce. A modern card issuing platform that powers the future of commerce, accelerates your business and helps build new and innovative products. An open API, instantly issued sandbox lets you get started in three clicks and enables you to instantly issue physical, virtual, and tokenized payments. Refined payment and authorization controls to rein in excess spending, protect your margins, and enable exceptional user experiences.

MX helps financial institutions and fintechs utilize their data more effectively to outperform the competition in a rapidly evolving industry. Our solutions enable clients to quickly and easily collect, enhance, analyze, present, and act on their financial data. MX puts a user’s data on center stage, molding it into a cohesive, intelligible, and interactive visualization. As a result, users engage more often and more deeply with your digital banking products. The Helios cross-platform framework gives MX clients the ability to offer mobile banking across a range of platforms and device types — all built from a single C++ codebase. This dramatically lowers maintenance costs and powers agile development.

Powerful accounting and business management software. Handle invoices, expenses and payroll – plus inventory, multi-currency and detailed job tracking. AccountRight software for PCs keeps you on track and in control. Notify the ATO and help prepare monthly ATO declarations. Be in the know with automatic exchange rates, manual rate comparisons, and easily linked foreign bank accounts. Keep an eye on how much time and money you're spending and how it stacks up against your plans and profits. Spot best sellers and poor performers ahead of time with advanced and intuitive inventory management features. Customize and send professional-looking invoices and quotes. Send invoices and quotes from any device. Set automated invoice reminders. Track invoices to know when they've been seen, opened and paid. Let your customers see all unpaid invoices at once. Get paid through invoices with AMEX, Visa, Mastercard and BPAY. Cashflow updates as soon as you've been paid.

Payment and financial infrastructure for all. Enabling simple and powerful payment tools for your business. IBM Leverages Stronghold's Blockchain Infrastructure to transform payments. Maintain ownership of your customers and their experience by programming your ACH payments. Clearing and settlement in seconds, not days. Real time clearing, settlements and micropayments. Create your own payment network or join StrongholdNET. Stronghold’s Automated Clearing House functionality can be embedded into your interface, allowing you to maintain ownership of your customers and their experience. Stronghold captures and verifies bank details as well as payment authorization via APIs. Accept and initiate ACH payments through Stronghold’s integrated product, Stronghold Pay. ACH payments through Stronghold are simple and secure, allowing electronic bank-to-bank transfers for retail payments and B2B payments.

Smart API is the smartest way to connect to the credit and verification services you need. The number of credit resellers and verification service providers has boomed in recent years. But how much time can you spend integrating your platform to each one? Do you have the resources it takes to develop three, five, or ten different APIs to retrieve the data your business needs to succeed? Instead of investing in wasted development time, connect to a single API to access credit and verification data from dozens of resellers and service providers. Take advantage of our customizable response layouts, merge technology, attribute data, and dedicated support staff to save resources and gain an edge over the competition. Enables you to pull 3 credit bureaus data in seconds into one report. Connect to dozens of credit resellers & verification services via API. Easy and secure requests sent via HTTPS with 128-bit SSL encryption.

One easy-to-use API to verify account details, move money, make payments, view transactions, and more. The easiest way for users to connect their bank accounts to your app. Teller provides your app with beautiful account enrollment screens that send all sensitive data directly to our secure servers, bypassing yours and leaving you one less thing to worry about. Teller connects to every bank using real APIs. Other providers mostly screenscrape, an extremely brittle and slow technique that means they have poor uptime, are slow, and return stale data. Teller provides live, up-to-the-minute bank data in a reliable and predictable manner. One easy-to-use API to verify account details, move money, make payments, view transactions, and more. See for yourself, run the request on the right by copying the command and pasting it into your terminal. Bank account connections you can rely on, are designed for your peace of mind.

TrueLayer is the leading technology company providing secure, global access to financial infrastructure. Developers use our APIs to build best-in-class products that securely access data and initiate payments in real-time. Founded in 2016, TrueLayer is connected to major banks across the world, backed by leading venture capital, and trusted by some of the biggest names in fintech including Monzo, Revolut, and Zopa. By making the power of open banking accessible through our platform, TrueLayer enables developers across any industry — from startups to enterprises — to reinvent financial services. TrueLayer is available in the UK, Europe and Australia. Easily integrate next-generation payments and financial data into any app. Build powerful products your customers love. Send and receive money on the fastest rails at the lowest rates with a first-class user experience. No cards. No fraud. No chargebacks.

Yapily helps you deliver a faultless customer experience, while staying on top of an ever-changing Open Banking compliance landscape. Designed for open banking and delivering seamless connectivity. Only technology company to be selected by IBM for open banking offering. Reaching new markets and bigger volumes as open banking API’s are released. Using a single open API, you can access the data you need to enrich the end-users experience. From aggregating, categorising and enriching account information, to initiating payments and transactions, your business gains the visibility to offer personalised financial advice. By eliminating the technical barriers, Yapily enables any business to interact with customers using one seamless, secure connection. Banks, financial providers and developers have the building blocks to build, connect and monitor their own API’s for communication within minutes.

Merging open banking and instant payments, Zūm Rails all-in-one payments gateway allows our clients to seamlessly utilize the payment rails that best fits their needs in the fastest, safest and most efficient way possible. Zūm Rails supports the entire payments journey, from the customer onboarding process to providing advanced data aggregation and KYC tools, moving funds in real-time with fraud prevention and account validation, as well as managing payment operations and simplifying the reconciliation process – all from a single API.

Perform a single easy integration with Tuna's open source payment gateway and access hundreds of payments processors and anti-fraud tools worldwide. We use tokenization to protect sensitive customer data. Tuna is a PCI Level 1 Service Provider, the highest level of PCI DSS certification. Conduct A/B tests to continuously improve payment indicators and compare your results. Better understand your business and move faster with testing tools that provide autonomy to a payments team to conduct experiments without having to prioritize items on the IT roadmap. Tuna already processes 100% of online payments from Riachuelo, a giant Brazilian retail website.

UniBit is your single source for all financial information. By leveraging our technologies in NLP, ML, and cloud computing, we deliver the most advanced and comprehensive market data to you faster, easier and more accessible than ever. UniBit designs and deploys unique data feeds for your team to make better decisions. Explore our market search engine that indexes all important market insights for you. We customize market insights exclusive to each client. UniBit Terminal helps you manage your data assets like no other system. No need for coding and technical expertise, you can design and deploy your own information streams in just a few clicks. From identifying market opportunities to mitigating risk, UniBit helps you build an analytics project in days that used to take weeks. Build your own data feed and customize your API. Integrate it with any application with ease. Take ownership of your data assets. Instantly download them with a click of a button.

VoPay’s Fintech-as-a-Service platform allows any company to embed financial services and payment capabilities into their existing applications, product, or services through a single and scalable API. VoPay offers a simple technology layer that enables businesses and software companies to seamlessly offer secure, fast, and direct bank account payments. By integrating a single API, businesses can securely connect to all major payment rails and leverage customer-centric, data-rich information for better decision-making. Our goal is to eliminate all payment inefficiencies, so businesses can focus on what they do best in today’s fast-paced digital economy.

One API, all banks. Wealth Reader is a world-leading data provider to help you cut costs, onboard and convert more customers. Our differentiator is global coverage and data quality. We are the data provider for banks, fund managers and fintech startups.

Connect your app to your users’ financial data in the easiest and most secure way through a single Open Banking API. Build engaging and next-generation products your users will love. Your users' financial data comes in multiple formats, from different sources. We connect to over 90% of personal and business bank accounts in Latin America, as well as tax institutions and gig economy platforms. Our Connect Widget can be integrated into your product in just minutes. Save months of development and focus on what really matters to you. Our platform is built on top of best-in-class security infrastructure and we are currently going through ISO 27001 certification. Connect your users’ financial accounts and enrich their data in simple steps. From lending to smart saving, we’ll help you create what your users need. Access, aggregate, and interpret customers’ financial information, such as their income, to build better borrowing experiences.

Codat helps banks build deeper connections with business customers. We offer products that make it easy to access, synchronize and interpret data from customers’ financial software for specific use cases, such as onboarding suppliers to commercial card programs and underwriting business loans. Codat is used by the largest banks in the world to grow share of wallet, reduce churn & scale their operations. We are backed by leading investors including JP Morgan, Canapi Ventures, Shopify, Plaid, Tiger Global, PayPal Ventures, Index Ventures and American Express Ventures.

DirectID is a global credit risk platform that is redefining the industry for both lenders and their consumers. By leveraging Open Finance and bank statement data, DirectID help lenders understand their customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries. Today DirectID powers some of the world's biggest brands from banking, consumer and SME lending through to the gig economy, gambling and others. DirectID’s Platform provides global access to bank data through over 13,000+ connections across 65 countries supporting access to over 1.5bn people through one simple integration. The insights provide solutions to common lending questions such as affordability, income verification, expense categorisation, cash flow, emerging financial distress, and more, and are all available directly or through the platform itself. The business is authorised by the FCA to provide AISP (Account Information Service Provider) services within the UK.

Airwallex is the business account built for global businesses. Your account comes standard with features like multi-currency business accounts, so you can collect and hold money in over 11 currencies while avoiding double conversions. Issue virtual debit cards for you and your team in seconds. Transfer money internationally in up to 23 different currencies, without the excessive fees and transfer wait times. Integrate with our API to improve your platform product offering and scale your business. Invoice and accept payments from international customers in their preferred currency. Seamlessly connect your business accounts with popular platforms like Amazon, eBay, Shopify and PayPal. Pay out in the same currency, or convert and withdraw in USD using outstanding FX rates. Issue new virtual payment cards in seconds. Change spend limits and revoke access, all from our online platform.

atomic. the trusted way for people to connect their payroll accounts to an app. Direct deposit receipt is a leading driver of account profitability, but updating the bank account on file is traditionally laden with friction, fraud, and manual processes. Direct deposit receipt is a leading driver of account profitability, but updating the bank account on file is traditionally laden with friction, fraud, and manual processes. Accurate identity information is crucial to fraud reduction and customer engagement, but difficult to gather and verify during user onboarding. Friction, inconvenience, and human-error prevent users from transitioning their credit card and loan balances between financial institutions, even when substantial savings are at stake. By allowing users to connect their payroll account to your application, detailed user data can be provided directly from their employer. This data is up-to-date, verified, and delivered in real-time.

Pinwheel is the leading payroll connectivity API company used by the biggest financial institutions to securely update direct deposits and access income and employment data. Pinwheel’s platform offers a suite of products to empower innovators of all sizes to leverage payroll account connectivity. Switching direct deposits is usually a painful process involving paper forms and HR teams. Make it easy with Pinwheel’s digital drop in solution. View a real-time feed of your customers' direct deposit allocations and get notified when they change. Use this knowledge to better understand your customers and to craft engaging experiences for them. Access source data from payroll systems to streamline and automate income and employment verification, improve your underwriting models, and more. Reduce loss rates and increase your serviceable market by enabling your customers to pay their loans directly from their paycheck.

Green Dot is a financial technology and registered bank holding company focused on making modern banking and money movement accessible for all. Our proprietary technology enables faster, more efficient electronic payments and money management, powering intuitive and seamless ways for people to spend, send, control and save their money. Our proprietary technology enables faster, more efficient electronic payments and money management, powering intuitive and seamless ways for people to spend, send, control and save their money. Our Banking as a Service (“BaaS”) platform enables a growing list of America’s most prominent consumer and technology companies to design and deploy their own customized banking and money movement solutions in the US and internationally. Founded in 1999 and headquartered in Pasadena, CA, Green Dot has served more than 33 million customers directly and many more through its banking partners, and now operates primarily as a “branchless bank”.

The Ninth Wave Platform is a single, comprehensive open banking solution that enables financial institutions to securely and efficiently share permissioned data with a wide array of third-party applications including aggregators, fintechs, accounting and ERP solutions, personal financial management and wellness tools, tax prep software, and other consumer and business solutions. With Ninth Wave, retail and commercial banks, credit unions, wealth and investment managers, and other financial services firms can give their customers fast, convenient access to their data on their terms – at any time, through whatever app or solution they choose. The result is an enhanced digital experience that boosts satisfaction and loyalty, attracts new customers, opens up new revenue streams, reduces risk, and ensures regulatory readiness for our clients.

One PSD2 compliant platform, endless opportunities. Build the future of financial services. Access a broad range of high-quality financial data from banks across Europe through a single API. So you can provide smart financial services – or engaging new customer experiences. If you’re a big bank looking for a custom-built solution, a growing fintech looking for a technology partner or a small business looking for the tools to enable your ideas – we’ve got you. Our platform is built to enable ideas of all shapes and sizes.

Quiltt offers turnkey consumer fintech infrastructure so anyone can launch innovative financial experiences. It doesn’t have to be. We’ve threaded together the infrastructure innovators need to quickly launch customer-facing features into their products - account connections, round-ups, bill management, and more - in a fraction of the time, at a fraction of the cost. Quiltt Connect is an embeddable UI module that lets you access a complete, context-rich financial picture of your customers. Built on the Quiltt GraphQL API, Connect comes pre-integrated with Plaid's industry-leading bank data network, and Spade's powerful transaction enrichment service. Connect can be added into your product experience with just a few lines of code, freeing your team to focus on your core innovations.

The easiest way to set up your mobile banking solution. Choose FinCell, a white-label solution for financial institutions that want a cost-effective and easily customizable mobile banking app. FinCell is based on open banking principles, ensuring effective integration with your core system through open APIs. FinCell’s information security and quality management are backed by ISO 27001 and ISO 9001, proving that all needed safety and compliance measures are integrated into a product. FinCell is developed by experts certified in CISSP, CDPSE, and CISA, ensuring best industry practices. Get your mobile banking app up and running in 2 months, FinCell offers pre-defined features, helping you to reach the market faster. Pay for what you actually use. FinCell works on a subscription-based pricing model, where fees are related to your customer base. Easily scalable FinCell helps you increase revenue, grow your customer base, and reduce churn rate.

Future-proof your banking journey with Novopay's state-of-the-art Banking Platform that is cloud native, mobile first, API enabled and AI driven. Whether it is digital lending, prepaid card and wallet or payment solutions, Novopay's products can be licensed, subscribed, customized & run on the cloud with 24x7 managed services. Novopay prepaid card and wallet solution allows Banks, NBFCs, Retailers, Telcos and Corporates to solve complex payment use cases and provide seamless payment experience in the hands of their employees, customers and channel partners. Engage your consumers by creating frictionless and easy payment experience. All this while providing total control of the payment instruments in the hands of the consumer. Novopay brings a highly advanced offering for micro finance and community banking companies, providing loan officer apps for online and offline operations in the field.

Basiq is the leading open banking platform enabling developers to build innovative financial solutions. We provide secure access to customer-consented financial data and powerful APIs that uncover valuable insights. We're powering the future of financial apps and services with solutions for wealth managers, banks, fintechs, and more. Get access to complete and reliable banking data to deliver more engaging, personalised digital banking experiences. Use our advanced income algorithms to reliably identify all sources of income such as regular, variable and casual income streams. Enabling you to streamline individual assessments and make faster lending decisions. Provide your customers with a rich digital experience by helping them better understand where they’re spending. Use Basiq Enrich to identify the merchant, location and category of each bank transaction.

Financial Institutions are redefining their bank operating models to become customer-first, while fintechs and developers are searching for new routes to market. An open banking platform utilizes APIs that allow different products and solutions to work together in inspiring new ways. A one-stop portal that is flexible and scalable makes financial institutions more agile, competitive, and generates growth. Customize the services your customers need and provide the cutting edge technology we all expect in our digital experiences. From Retail Banking, Payments, Lending, Corporate Banking and Treasury & Capital Markets access Finastra’s breadth of proven banking solutions. Be ready today and fit for the future. Are you a developer or fintech looking to disrupt the market? Or a financial institution looking to build new innovations for your clients? Access APIs from Finastra’s core systems to start developing new apps or integrating your existing apps.

Narmi transforms financial institutions and the people they serve with digital-first solutions. More than just the basics. Empower your customers & members with exceptional tools designed to help people control their financial stories. Easy to use tools in an always-up platform for maximum usability. Third-party integrations that offer users context and deepen their relationship to your institution. Grow your business portfolio with a platform that helps business teams spend less time banking, and more time running their businesses. Granular permissions, seamless money movement, and more — Narmi makes business digital banking easy. Open accounts digitally anytime, anywhere in just 2.5 minutes with intelligent automated decisioning and flexible institutional controls.

Connect to any platform, get a holistic view of any business. Gain the full picture of a business' commerce and accounting data with our comprehensive suite of reading and writing APIs. Stop worrying about transformations, mapping, and data stitching. Get data from any platform in the same format. Receive freshly synchronized data and get notified in real-time with Rutter's event-driven webhooks. Leave the coding to the developers. Your users will access a simple interface to complete the connection to Rutter. 200,000 concurrent commerce and accounting connections. 2 billion transactions were processed. 6 million webhooks fired daily. Grow with a platform built for volume and scale. Sales & inventory data for financing, working capital, and lending. Powering real-time credit facilitation for banks and card issuers. Payments data for payments reconciliation and fraud detection. Ecommerce data for due diligence and brand management.