Your accounts, reachable by open banking
Every account you issue on Integrated Finance is exposed to open banking — white-labelled and compliant — so authorised open banking providers can reach it for data and payment initiation. Your customers connect their chosen provider to enable account funding and data sharing, with no extra build from you.
Open accounts, reachable by open banking, out of the box
Higher Onboarding Conversion
Because your accounts are reachable by open banking from day one, your customers can fund them the moment they're created — no separate integration required on your end.
Richer Underwriting Data
Request secure, temporary consent to access a user's transaction history from their primary bank, allowing you to make smarter data-driven decisions.
Lower Payment Costs
Use Open Banking payment initiation as a lower-cost alternative to traditional credit card top-ups.
Before Integrated Finance
Long, manual onboarding flows that cost you customers
Getting users to fund their account required them to manually copy banking details into a separate app — and most dropped off before they ever made it through.
with Integrated Finance
One-tap bank linking that removes the drop-off moment
With every account already exposed to open banking, your customers can connect their own provider and fund their account in seconds — no copy-pasting, no extra build from you.
Open Banking APIs
As an online payment account issuer, you're required to expose Open Banking APIs so authorised third parties can reach your accounts for data and payment initiation. Integrated Finance spins these up for you — white-labelled and compliant — so every account you issue is reachable by open banking providers out of the box, with no separate build.
Account funding
Because your accounts are reachable by open banking, your customers can contract with a PIS/AISP of their choice to enable account funding — paying in directly from an external bank in a single authenticated flow, with no card rails. Integrated Finance exposes the accounts and records every funding event; the customer's open banking provider handles initiation.
Consent & data
When an open banking provider accesses an account for data or payment initiation, Integrated Finance records the request against the account and the consent that authorised it — a complete, audit-ready evidence trail for regulators and partner banks, with no manual logging.
The platform that gets smarter the longer you use it
Integrated Finance doesn't just help you launch — it keeps working in the background, automating the compliance and operational tasks that would otherwise eat up your team's time.
Consent lifecycle on autopilot
Every open banking request against your accounts is logged against the consent that authorised it — automatically, with no manual tracking required.
Funding drop-off, eliminated
Integrated Finance continuously monitors onboarding conversion and flags friction points in the account funding journey, so your team can act on real data rather than guesswork.
Always audit-ready
All open banking consents, data requests, and funding events are logged with the policy version, providing a clear evidence trail for regulators or partner banks.
Smarter over time
Every transaction enriches your data. As your user base grows, Integrated Finance surfaces richer financial signals that help you make better lending and risk decisions without adding analyst headcount.
How Ampere utilises the Open Banking API to streamline funds into their ecosystem
With accounts issued through Integrated Finance and reachable by open banking, Ampere gave customers a frictionless way to fund their wallets — driving incremental upsells.
