Open Banking

Open Banking enables credit institutions to realize the principle of platform economy and to open up new sources of income without high implementation costs by cooperating with partners. The exchange between the credit institutions and partners takes place via technical interfaces, e.g. APIs, which are integrated into the bank's system architecture. These interfaces enable the inclusion of additional offers in the portfolio and their provision via the distribution channels of the credit institution.

By integrating APIs into the system architecture of the credit institution, a credit institution is enabled to extend and optimize internal processes through partner offers, e.g. data analysis activities and the formulation of own function offers for external partners. A central orchestration layer is responsible for the administration and monitoring of interfaces to and from partners.

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