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 refers to the practice of integrating customer banking information and financial services to provide a personalized experience. It involves the exposure and consumption of these services, allowing various financial institutions and third-party providers to access and utilize customer data to enhance service offerings. For example, the Payment Services Directive (PSD2) in the European Union mandates banks to open up customers’ payment account information to regulated third parties. Similar regulations or market-driven initiatives are being adopted or developed in other countries.

Open Banking (capitalized) is a specific UK regulation. It is a secure framework that enables third-party providers to access financial information with customer consent. The implementation and governance of Open Banking in the UK are overseen by a dedicated operating company, which manages the API standards, bank staff actions, and actual processes. Unlike the UK Open Banking Standard, which requires a dedicated company to manage these processes, PSD2 in the EU focuses on the business rules without imposing specific technological requirements.

How does open banking enable ecosystem engagement?+

Open banking enables ecosystem engagement by allowing banks, mandated by PSD3 regulation to share customer information, to act as third-party providers (TPPs) and benefit from open data themselves. By partnering with various service providers, banks can enrich their portfolios and offer unique, value-added services to their customers. This approach not only broadens the business ecosystem but also enhances interconnectivity within the developer community, fostering innovation and collaboration.

What is PSD3 and PSR?+

Since the introduction of PSD2 across the EU, the European Commission has been actively seeking feedback on the Digital Finance Strategy proposed in September 2020. In response to this ongoing dialogue, on June 28th, the European Commission (EC) unveiled a comprehensive set of measures aimed at modernizing payment services and improving access to financial information. Among these initiatives are PSD3 and the newly formulated Payment Services Regulation (PSR).

PSD3, or the Third Payment Services Directive, provides guidelines pertaining to the approval of payment institutions. On the other hand, PSR integrates elements from PSD2 while introducing new provisions to address emerging challenges and opportunities in the financial sector. Together, they serve as successors to PSD2, introducing various changes and enhancements to the regulatory landscape. One of the primary objectives of these proposals is to address existing challenges in data transmission processes within the financial sector and facilitate the flow of customer data by establishing a more robust framework for accessing financial information. These initiatives aim to foster innovation and competition while ensuring the security and protection of consumer data.

It is important to note that while directives like PSD3 require translation into the domestic legislation of member states, regulations such as PSR are uniformly enforced across the European Union. Anticipated to take effect between 2024 and 2025, PSD3 and PSR are expected to usher in a new era of regulation and compliance in the European financial services industry.


AISP (Account Information Service Provider) — 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).

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) — are organizations or natural persons that use APIs developer portal.

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. In the context of the open banking ecosystem, they 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.

What are the benefits of open banking?+

Open banking offers numerous advantages for market participants, stakeholders, and consumers.

For banks, it acts as a digital transformation catalyst, expanding their consumer reach and enabling collaboration with third-party providers (TPPs) to offer data-driven products and services. This not only reduces costs but also enhances competitiveness and service personalization. Banks also serve as gatekeepers, ensuring Payment Service Users (PSUs) have secure access to their data via interfaces and APIs, while gaining valuable insights into customer behavior.

For customers, open banking provides easier and faster access to financial services, with tailored journeys and personalized offers, ensuring their data is securely protected.

For third-party providers, it grants access to an established customer base and financial data, fostering innovative services and new revenue opportunities.

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.