Comply. Connect. Integrate.

Embrace the platform economy and unleash the power of open finance.

Our Open Banking Platform allows banks to progressively mature in their open banking journey and offer trailblazing, hyper-personalized services while leveraging a shared ecosystem.

Open Banking

Unleash the power of Open Finance. Embrace the platform economy.

Experience next-gen open banking innovation & compliance, opening the door to enriching superpowers and and future-proofing banks with platform banking within their compliance budget.

  • Comply with industry standards | Enjoy effortless & continous open banking compliance
  • Leverage Premium APIs | Go from “basic” PSD2/PSD3 to “premium” opportunities powered by open banking
  • Unlock connectivity | Expand & extend your offering to maximize profits & create new revenue streams
  • Save cost & time | Implement SaaS for expeditious time to market, entry cost efficiency, and mitigated TCO
  • Create exceptional experiences | Access data from 3400+ banks to offer delightful customer & employee experiences
  • Embrace open finance | Unleash the power of open finance and open data with our cutting-edge fintech products
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  • Berlin Group co-chair, guaranteed upgrades

    Stay ahead of the game thanks to our active contribution to and continuous investment in the Berlin Group.

  • High-quality customer data aggregation & enrichment

    Know your customers better. Gather, analyse and enrich your customers’ account & transaction data.

  • Pre-built connectors to SBS core banking systems

    Leverage swift implementation and market advantage with pre-integrated marketplace partners.

  • Composable, hyper-personalized experiences

    Improve financial health of customers with relevant and personalized financial insights.

  • Platform banking to orchestrate out-of-the-box use cases

    Offer Compliance, Remittance, Personal Finance Management, Credit Insights, Enhanced Onboarding, and more…

  • Control Information Access

    Allow end-user to manage consent on sharing account data with third party providers at anytime.

Connect with 3,400+ financial institutions

Open Banking will refine and redefine your customers’ financial lives. Our solution brings a wide range of complex financial services together in a single, simplified and convenient application, and presents impactful insights in a user-friendly way.

  • Zero trust security

    Strong Customer Authentication (SCA), Customer Secure Communication (CSC) and third party provider authorization management.

  • Best in-class technology

    Our core-agnostic, cloud-native SaaS solution embeds technology from industry leaders like Axway and Tink.

  • Off-the-shelf use cases

    Access 15 ready-to-use use cases and pre-connected (technical and contractual) fintechs in the marketplace or build your own use cases.

  • Open Banking Compliance

    Expose customer data and services securely, through a set of regulated APIs.

  • Open Banking Connectivity

    Connect 3400+ banks and leverage the data to personalize customer journeys and build innovative services.

  • Ecosystem Management

    Extend your portfolio by orchestrating pre-integrated SBS partner services. Build your own ecosystem to stay ahead of the curve in a rapidly changing market.

Better Banking with Sopra Banking Software

Expand & extend your portfolio of services by enabling a shared ecosystem.

Social | Marketplace | Open Banking Compliance
Customer Insights | Marketplace | Algoan
Social | Marketplace | Streamlined Remittance
Marketplace | Use Case | build your own

Open Banking Use Cases

  • Compliance

  • Credit Insights

  • Remittance

  • Connectivity

We fully unburden banks & financial Institutions. A platform that keeps you complaint with Berlin Group and industry standards. Powered by a robust API layer, providing TPP onboarding and maintenance of core banking connectors.

Empower quicker & better decisions for happier customers.
Enhance credit scoring algorithms with Open Banking data to improve credit insights & speed up loan processes thanks to consolidated information on credit affordability.

Transfer money across borders, faster & cheaper.
Support customers with easy and cost-effective remittance transfers. Enable secure & easy payment through PIS.

Power a multitude of business use cases or create your own to serve your specific needs. Position yourself to profit from the collective power of Fintech. Take a moment to discover our use cases, which will help your clients with their digital banking experience.

Make the most of Open Banking

Comply, Connect, Integrate.

Built on trust & security, we expand, collaborate, and innovate for exceptional finance experiences.
And, banks are at the heart of it all, empowering their customers.

Together, we democratize access, shaping a better world for banking.

Recognized Solution

Omdia Universe: Digital Banking Platforms 2023

Omdia examines and ranks the top software in the world based on market impact, solution capabilities, customer experience and market presence. In 2023, we are proud to be recognized as a Leader in Omdia’s Universe: Digital Banking Platforms 2023, with our SBP Digital Banking Suite.

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Strong Performer: Digital Banking Engagement Hubs, 2021

In this key report, Forrester recommends Sopra Banking Software for banks that are more focused on using off-the-shelf engagement infrastructure and banking services and puts forward its well-defined architecture as well as the broad usage of microservices.

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Strong Performer: Digital Banking Engagement Platforms, 2021

Forrester mentions that the solution “offers [a] rich engagement infrastructure” and highlights that “The solution’s architecture is well defined and broadly uses microservices”.

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Leader in API Management

Our sister company Axway was noted as a leader in Gartner’s 2020 Magic Quadrant for Full Life Cycle API Management. Axway provides customers the broadest and deepest set of capabilities to build API-based ecosystems, enabling them to secure and govern their entire lifecycle and unlock innovation.

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We have all the answers you need

Frequently asked questions

What is the difference between open banking and Open Banking?+

Open banking (lower case) as a general term is used to describe the practice of integrating customer banking information and financial services to provide a personalised experience. The term applies to the exposure and consumption of these services. In the European Union, the Payment Services Directive (PSD2) requires banks to open up customers’ payment account information to regulated third parties. Outside Europe, some countries have adopted/are working on equivalent regulations. Others are allowing the market to progress on these initiatives.

Open Banking is a UK regulation. It’s a secure way to give providers access to your financial information. A dedicated operating company implements and governs not only the API standard and bank staff’s actions but also the actual processes. The regulatory initiative in the EU is PSD2, which requires banks to open up customer payment account information to regulated third parties. While the UK Open Banking Standard requires a company to run the processes, PSD2 sticks to the business rules and doesn’t impose any technology.

How does open banking enable ecosystem engagement?+

Banks, mandated by PSD2 regulation to share customer information, can act as TPPs and benefit from open data themselves. To go further, they can choose to partner with various service providers to enrich their portfolio and propose unique, value-added offers to their customers. Simultaneously, the business ecosystem is enlarged, and the adoption of open banking leads to better interconnectivity inside the developer community.

How to expand your ecosystem with Sopra Banking Software >>

What is PSD3 and PSR?+

Since September 2020, when the Digital Finance Strategy was proposed, the EU Commission has been working hard to gather feedback since the introduction of PSD2 across the EU.

In response to these developments, on June 28th, the European Commission (EC) released a set of actions aimed at modernizing payment services and facilitating access to financial services information. These initiatives include PSD3 as well as the newly formulated Payment Services Regulation (PSR).

PSD3 outlines guidelines concerning the approval of payment institutions, while PSR integrates components from PSD2. Collectively, they serve as successors to PSD2, introducing several changes and enhancements.

These propositions acknowledge existing challenges within the present data transmission processes within the financial sector, striving to enhance the flow of customer data by establishing a more robust framework for accessing financial information. Directives, including PSD3, require translation into the domestic legislation of member states, whereas regulations, exemplified by the recently introduced PSR, are enforced uniformly and immediately across the European Union. Anticipated to take effect roughly between 2024 and 2025, these documents are poised to begin implementation.


AISP (Account Information Service Provider) — An Account Information Service provides account information services as an online service to provide consolidated information on one or more payment accounts held by a payment service user with one or more payment service provider(s).

ASPSP (Account Servicing Payment Service Provider) — Account Servicing Payment Service Providers provide and maintain a payment account for a payer as defined by the PSRs and, in the context of the Open Banking Ecosystem are entities that publish Read/Write APIs to permit, with customer consent, payments initiated by third-party providers and/or make their customers’ account transaction data available to third-party providers via their API endpoints.

PISP (Payment Initiation Services Provider) — A Payment Initiation Services Provider provides an online service to initiate a payment order at the request of the payment service user with respect to a payment account held at another payment service provider.

TPP (Third Party Provider) —  Third-Party Providers are organizations or natural persons that use APIs developed to Standards to access customer’s accounts in order to provide account information services and/or to initiate payments.

All definitions

What are the benefits of open banking?+

Open banking provides many advantages for various market participants, stakeholders, and consumers. 

For banks, cost minimization and competitiveness have long been considered the primary benefits. In reality, open banking is a digital transformation catalyst that enables banks to make their services usable by more consumers either directly or indirectly. Banks can then leverage customers’ trust and collaborate with various TPPs to provide new, data-driven products and services. 

For customers, open banking means easier and faster access to financial services, tailored customer journeys, and offers — and, as a result, enriched customer experience. 

For third-party providers, access to an existing customer base and their personal financial information means new, innovative services and revenue opportunities.

Benefit from open banking with Sopra Banking Software >>

What is the Sopra Banking Software Marketplace?+

The Marketplace was created with a simple goal in mind: position our customers to profit from the collective power of Fintech.
Thanks to the DBEP concept, our banking customers can easily combine all the available services (Sopra Banking and partners) and benefit from the DBEP foundational services. Services like the Authentication Brokerage, Authorization Management, and API Portal to build a streamlined and secure combination of services.