Open Banking & Banking-as-a-Service
Transform Your Bank into a Platform
Enable innovation through secure APIs and comprehensive BaaS solutions. Our Open Banking and BaaS platform empowers financial institutions to unlock new revenue streams, accelerate innovation, and create seamless customer experiences through secure, compliant API-driven services.
The Challenge: Banking in the API Economy
Traditional banks face increasing pressure to innovate and compete with agile fintech companies. Legacy systems create barriers to innovation, while customers demand seamless, integrated financial experiences.
Legacy System Constraints
Monolithic banking systems make it difficult to expose services through modern APIs, limiting innovation and partnership opportunities.
Regulatory Complexity
Navigating PSD2, open banking regulations, and data protection requirements while maintaining security and compliance.
Fintech Competition
Agile fintech companies are capturing market share with innovative products and superior customer experiences.
Revenue Stagnation
Traditional banking products face margin pressure, requiring new revenue streams and business models.
Our Solution: Complete Open Banking & BaaS Platform
We deliver a comprehensive platform that transforms your bank into an API-driven financial services provider, enabling new revenue streams and innovative customer experiences.
Platform Components:
API Gateway
Secure, scalable API management with rate limiting and monitoring
Security Framework
OAuth 2.0, strong customer authentication, and fraud prevention
Core Banking APIs
Standardized interfaces for accounts, payments, and customer data
Developer Portal
Comprehensive documentation, SDKs, and testing environments
Our platform enables you to become a financial services platform, not just a bank, opening new revenue streams and partnership opportunities.
Conceptual Flow: Open Banking Ecosystem
Bank Core Systems
Legacy Infrastructure
API Gateway
Secure Interface
Third-Party Apps
Fintech Partners
End Customers
Enhanced Experience
This diagram illustrates how our Open Banking platform connects your core systems to third-party applications and customers.
Platform Capabilities
Enterprise-grade infrastructure for the API economy
API-First Architecture
Secure, scalable APIs enabling seamless integration with third-party providers and fintech partners.
Regulatory Compliance
Built-in compliance with PSD2, Open Banking standards, and local regulations including GDPR and data protection.
Real-Time Processing
Instant payment processing, account information services, and real-time transaction monitoring.
Enterprise Security
Bank-grade security with OAuth 2.0, strong customer authentication, and comprehensive fraud prevention.
Banking-as-a-Service Solutions
Complete banking infrastructure delivered through APIs
Digital Wallet Services
Complete wallet infrastructure with multi-currency support, transaction history, and spending controls.
Account Management
Full account lifecycle management from onboarding to closure with automated compliance checks.
Payment Processing
Comprehensive payment rails supporting domestic and international transfers with real-time settlement.
Analytics & Reporting
Advanced analytics platform providing insights into customer behavior and transaction patterns.
Open Banking Services
PSD2-compliant services enabling secure data sharing and payment initiation
Account Information Services (AIS)
Secure access to customer account data with consent management and real-time balance information.
Payment Initiation Services (PIS)
Direct payment initiation from customer accounts with strong authentication and fraud prevention.
Customer Authentication
Strong customer authentication (SCA) compliant solutions for secure access and transactions.
Consent Management
Comprehensive consent management platform ensuring customer control and regulatory compliance.
Key Use Cases
Unlock new opportunities across the financial ecosystem
Fintech Integration
Enable fintech companies to build innovative financial products using your banking infrastructure.
Corporate Banking
Provide corporate clients with direct API access for treasury management and automated payments.
Marketplace Banking
Create banking marketplaces where customers can access multiple financial services through a single platform.
Embedded Finance
Enable non-financial companies to embed banking services directly into their customer experience.
Technical Architecture & Technology Stack
Our platform is built on a modern, cloud-native architecture designed for enterprise-scale API management and banking services.
API Gateway
Secure API management with rate limiting, authentication, and monitoring
Core Banking APIs
Standardized interfaces for account, payment, and customer data access
Authentication
Secure customer authentication and authorization flows
Data Layer
High-performance data storage and caching for real-time operations
Microservices
Scalable, independent services for different banking functions
Security
End-to-end security from hardware key storage to threat detection
Business Benefits
Measurable impact on your bottom line
Revenue Growth
Increase in fee income through API monetization
Market Expansion
Faster customer acquisition through partnerships
Cost Reduction
Reduction in processing costs through automation
Innovation Speed
Faster product launches and time-to-market
Why Partner With DigiDevo?
We combine deep banking expertise with cutting-edge API technology to help you navigate the transition to open banking while maintaining security, compliance, and competitive advantage.
Banking Expertise
Deep understanding of banking operations and regulatory requirements
API Technology
Cutting-edge API management and microservices architecture
End-to-End Support
From strategy and implementation to ongoing platform management
Transform Your Bank into a Platform
The future of banking is open, connected, and API-driven. Position your institution at the forefront of this transformation.