Open financial ecosystem

With our web service APIs, we not only support digital banking business models, but also the rapid implementation of our software in existing system landscapes.

EFDIS Open Banking connects banks and FinTechs and enables the partnership-based design of customer-oriented products and processes. The use of standardized technologies, agile development methods and the provision of comprehensive documentation promote time-to-market.

In addition to onboarding new customers, a wide range of data exchange, customer, account, transaction and product management functions are supported.

Your advantages

Our standardized interfaces offer you a wide range of possible uses.

Fast and secure communication

We guarantee seamless integration into existing applications via our web services. Data access is of course secured by authentication procedures and takes place via simple SOAP operations with flexible structures for the input and output of data.

Connection of sales portals

With our web service APIs, full integration with our core banking is possible. This means that all banking processes and features from EFDIS.CIFRA are available to our clients with online sales portals. If required, the path also goes directly to our BPO service.

Full professional spectrum

Through our Open Banking, our clients are free to choose their professional focus. Deposit transactions are supported in a fully automated manner, as is the credit area. All relevant input and query functions are fully covered for onboarding and existing business, including interfaces to Deutsche Post and WebID for the legitimation process.


PSD2 with Access-to-Accounts

Under the Second Payment Services Directive (PSD2), third-party service providers are granted access to the customer's payment accounts at various credit institutions via the Access-to-Accounts interface (XS2A) with the customer's prior consent. Account Information Services (AIS), Payment Initiation Services (PIS) and Fund Confirmation Services (FCS) are provided via this interface.

We have implemented the requirements of the "Implementation Guidelines" of the Berlin Group with the realization of a RESTful web service component.


What can we do for you?

Feel free to contact us!

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