FINTECH

Open Banking Integration

Bank API integration work around provider abstraction, fallback logic, and maintainability.

This service focuses on open banking and bank API integration where provider variability, fallback behavior, permissions, and maintainability matter.

Fixed-scope quoteReply within 1 business dayAny stack or languageEU-based · GDPR-ready

Review the bank integration that keeps breaking

Tell us whether the issue is provider drift, fallback behavior, visibility, or internal consumers. We will outline the first stabilization scope.

  • Fixed-scope quote — no obligation
  • Reply within 1 business day

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psd2 — consent and account access
$ curl -s -X POST https://api.bank.example/v1/consents \>   -H "X-Request-ID: $(uuidgen)" \>   -H "TPP-Redirect-URI: https://app.example/callback" \>   --cert qwac.pem --key qwac.key \>   -d '{"access":{"balances":[],"transactions":[]},"validUntil":"2026-12-08"}'{"consentId":"c-8f21","consentStatus":"received", "_links":{"scaRedirect":"https://auth.bank.example/sca/8f21"}}# The customer authenticates at their own bank, on the bank's page.# We never see their credentials, and there is no version of this# where we should ask for them.$ curl -s https://api.bank.example/v1/consents/c-8f21/status --cert qwac.pem --key qwac.key{"consentStatus":"valid","validUntil":"2026-12-08"}$ curl -s "https://api.bank.example/v1/accounts/a-4410/transactions?bookingStatus=booked" \>   -H "Consent-ID: c-8f21" --cert qwac.pem --key qwac.key{"transactions":{"booked":[  {"bookingDate":"2026-09-05","amount":{"currency":"EUR","amount":"-84.20"}},  {"bookingDate":"2026-09-04","amount":{"currency":"EUR","amount":"1250.00"}}]},"_links":{"next":"…offset=2"}}consent expires 2026-12-08 — renewal is the customer's decision, not ours
Open banking is less an API problem than a consent problem. The client certificate proves who we are, the consent proves the customer agreed, it expires on a date they control, and the credentials never touch our side at all.

Common problems

  • •The connection works in principle, but is too fragile in production.
  • •Different providers create edge cases that keep leaking back into product and support work.
  • •Fallback logic and monitoring are too weak for serious operational use.

What we build

  • •Integration layers around providers and bank APIs
  • •Provider abstraction and data normalization
  • •Fallback and monitoring support
  • •Internal visibility and exception tooling

Best fit

  • •Fintech products with bank-connected workflows
  • •Teams suffering from provider-specific brittleness
  • •Businesses that need maintainability as much as connectivity

How we approach it

We focus first on the part of the integration that creates the most instability: abstraction, fallback behavior, provider drift, or internal visibility.

Technical focus

The hard part is usually not getting one provider connected once. It is making the integration layer durable across changing provider behavior, internal consumers, and operational incidents.

Compressed scenario

Situation

A product already has bank connectivity, but provider differences are causing support load and engineering drag.

Approach

Redesign the integration layer around abstraction, normalization, fallback logic, and better internal visibility.

Outcome

The product ends up with more durable connectivity and fewer user-facing disruptions tied to provider inconsistency.

FAQ

Do you connect directly to every bank?

It depends on the provider strategy, but the bigger issue is usually building the right abstraction and operating layer.

Can you help if our current integration is fragile?

Yes. Tight provider coupling, weak fallback logic, and poor internal visibility are all common restructuring cases.

Can you redesign an existing provider-dependent integration?

Yes. That is often the actual requirement rather than starting from zero.

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