Fintech

Open Banking & Open Finance

We help you evolve in the financial ecosystem with a more open, interoperable, and user-centered model.

At Crombie, we design flexible and secure infrastructure, facilitating this transformation. We integrate your platforms with banks, payment processors, and regulators, always complying with local and international open-data regulations. We ensure the protection of sensitive data and a seamless, reliable user experience.

With a good strategy, you would avoid…

Loss of competitiveness against better-integrated fintech solutions

We facilitate integration with bank APIs and Open Finance. As a result, we offer connected, seamless experiences, increasing user retention.

Dependency on traditional banking systems and low flexibility in financial services

We establish direct connections with multiple financial institutions, reducing dependency on a single banking vendor and enabling the offering of more dynamic and personalized products.

Fragmented financial processes and low visibility of user data

By accessing financial data in real time, we automate processes such as scoring, spending categorization, and scheduled payments. This way, we improve operational efficiency.

Regulatory risks and non-compliance

We implement Open Banking in compliance with local and international regulations, such as PSD2 in Europe and open-data regulations in Latin America. This minimizes the risks of non-compliance and sanction.

Lack of scalability and limitations in geographic expansion

We design solutions tailored to multiple markets and financial entities. This way, we ensure your business can seamlessly scale and expand without technological restrictions.

Open Banking & Open Finance Use Cases

Financial management platform with account aggregation

We connect all banking accounts and cards to a single platform. This way, users can analyze their spending, automatically categorize their income, and generate reports in real time.

Credit Scoring Based on Open Banking

We design systems that, through Open Finance APIs, analyze banking transactions and recurring income. This allows lending fintechs to approve credit more inclusively and accurately.

Payment automation and scheduled transfers

We integrate treasury platforms that connect with bank accounts. This way, payments to suppliers and salaries can be automated, reducing errors and optimizing accounting reconciliation.

Marketplace with split payment and direct bank payment

We enable marketplaces to accept direct payments from connected bank accounts. As a result, users don’t need to enter card details, improving sales conversion and reducing fraud risks.

Investment platform with bank account connectivity

We develop solutions for digital brokers that enhance the investor experience. Through Open Banking, users can transfer funds directly from their bank accounts, eliminating manual processes and improving the user experience.

We are specialists in…

API connectivity with banks and fintechs such as Plaid, Truv, Flinks, and local solutions.

Financial data aggregation and bank information standardization to ensure accuracy and consistency.

Scoring engine development based on Open Banking data.

Scalable expansion with technical support for multiple currencies and global markets.

Open Finance infrastructure with secure authentication through standards such as OAuth2 and OpenID.

Payment automation and scheduling of bank transfers, improving operational efficiency.

Compliance with international regulation compliance, such as PSD2, and open-data regulations.

How can Open Banking & Open Finance boost your business?

The future of financial services is more open, interoperable, and user-centered. Failing to implement an Open Banking strategy can limit your ability to offer innovative products, reduce customer retention, and hinder compliance with new regulations.

They are pros, and it’s great to be working with a group that has that same share philosophy on how we do we get to the line goal. Culturally, very hard-working people, and they deeply care about the projects that they are working on.

—

Mark Schacknies

CEO and Co-Founder at NFTYDoor

Innovation backed by top-tier certifications

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