Open Finance
beyond the regulations

At Sensedia, our knowledge and API expertise ensures your digital transformation is fully supported. Learn more about Open Banking and how we can help you develop and apply the best strategy for your business

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Open Financebeyond the regulations

Full set of solutions for financial business

Open Banking

The growth of digital banks and fintech companies has put the traditional banking model under pressure to change. New competitors constantly appear with more agile digital proposals, massively using data to generate insights and provide customized products and services, maximizing the user experience.

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Bank as a Service

Banks that collaborate with fintechs can extend their capabilities and services, enhancing their offerings, expanding sources of revenue/customer engagement and adopting shorter cycles of experimentation and learning.

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Instant payments

Instant payments will provide faster transactions for customers, and represent a crucial game change in the financial services industry. To be part of that, it’s important to build your own ecosystem or be suitable to enter an ecosystem such as PIX in Brazil or Faster Payments Services in the UK.

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What is Open Banking?

Current model

Banking Current model

Open Banking model

Open Banking model

Four Pillars of Open banking

API design & building

API design & building

Data consumption is paramount to formulating an Open Banking strategy. API adds value and how it aligns with a company’s strategic goals and objectives should be the top priorities for all API strategies.

Banking New Partners

New Partners

’Open’ model is not about competition, but about creating ecosystems and expanding the customer experience. Merging partner data and providing highly personalised products and services is crucial in Open Banking

Governance and compliance

Governance and compliance:
API platform add-ons

In order to risk manage any data liability issues between banks and TPPs, such as a security breach or an unauthorised transaction, data and open transaction providers are legally obliged to inform customers how their data is being used, how they can control it, how it is stored and how the company is audited.

Security & consent Banking

Security & consent

It’s mandatory for companies providing data (via APIs) to comply with a number of security and access management regulations, ensuring there’s a clear understanding about who is consuming the data and where it is flowing to.

Why Sensedia Open banking


Developing manual integration will not deliver the necessary scalability, and governance will be more complex.
API platforms have modules designed to improve workflow governance.

Sensedia Open banking

Related Resources

Open Banking 2.0

Open Banking 2.0: where are we and what comes next?

Financial markets: From Open Banking to Open Finance

Read blog

Bringing Open Banking strategies to the next level

At Sensedia, we help financial services companies dive into digital transformation with all the knowledge and support that only an API expert can offer

Read whitepaper
Open Banking 2.0 Webinar

Open Banking 2.0: where are we and what comes next?

Open Banking is a subject that has been pushing financial institutions to innovate and create new solutions for their customers.

Watch webinar

Bank as a Service

Looking beyond financial and bank services, engage with partners to offer bank services for several industries.

B2B

Integrate with other business and create new revenue streams with high volume of transactions and Monthly Recurring Revenue

Systems integrations

Easily connect through APIs with different partners, and keep your business rules protected.

Banking Services marketplaces

Building marketplaces offering banking services is one of the main predictions for the next few years.

Bank as a Service

Instant Payments

A set of solutions to enable Instant Payments technology for direct participants, and also to provide to indirect participants Instant Payments API as a product.

Accelerate your Instant Payments project with Sensedia Platform

- Instant Payments API pattern (unlinked from PSTI)
- API Gateway
- Connectors for PSTI (Matera, JD Consultores, Autbank, etc)
- Developer Portal template
- Business and performance Dashboards
- Preset warnings
- SaaS model with federated agents

Accelerate your Instant Payments project with Professional Services

- Instant Payments Consulting Playbook: focused on design

- Instant Payments Consulting Playbook: focused on delivery

Operate / Sustain Instant Payments projects

- Consulting Playbook: Developer Experience for Instant Payments projects

- Consulting Playbook: API Governance for Instant Payments projects

- Consulting Playbook: API Care for Instant Payments projects- specialized technical support offered by Sensedia

Committed to supporting companies in the discovery process and in the adaptation to the new scenario, Sinqia - a leading technology and innovation provider for the financial sector in the Brazil, has joined forces with Sensedia, the main API Management vendor in Latin America, to offer the first integrated and simplified solution for the implementation and consolidation of Open Finance in Brazilian institutions.

The partnership between Sensedia and Sinqia addresses Open Finance in a complete way, from regulation and its deadlines to the possibility of exploring new business models, innovation, ecosystem and revenue channels.

Know more about this partnership

Other banking and financial clients

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Seu Open Banking com as melhores APIs

Open Banking sem APIs não existe e você sabe que APIs são nossa especialidade. Aproveite nosso protagonismo no Open Banking para levar novas oportunidades à sua instituição!

Fale conosco e saiba mais

Você Sabia?

A Sensedia atua ao lado da Chicago Advisory como trusted advisor da Estrutura Inicial do Open Finance Brasil que, sob supervisão do Banco Central, é responsável pelo desenvolvimento das especificações das APIs do Open Banking. Por isso, temos toda a segurança e expertise para apoiar sua instituição com agilidade e excelência - desde o compartilhamento de dados até a iniciação de pagamento.

Sensedia Open Finance

▼ Admin Portal

▼ Motor de Consentimento

▼ Authorization Server

▼ Support Services

▼ APIs de Jornada de Consentimento

▼ Templates de APIs Regulatórias

▼ Iniciação de Pagamento

Ao longo de toda sua jornada no Open Banking, você conta com o apoio dos nossos consultores especializados, para garantir a melhor experiência para sua instituição e a melhor estratégia de API Open Banking.

A Sensedia's Award
BaaS

Alguma pergunta?

Entre em contato conosco

Veja como outras instituições cresceram
com o Sensedia Open Finance

Open Banking 2.0

Uso do BaaS para liderar a corrida do Open Banking

Confira o case
Open Banking 2.0

Compliance regulatório em
todas as fases

Confira o case
Open Banking 2.0

Banco Rendimento sai à frente com banco plugável de última geração

Confira o case

Mais clientes do setor bancário e financeiro

Ver mais clientes

O que é Open Banking?

Idealizado pelo Banco Central e conduzido em parceria com os players do mercado financeiro brasileiro, o Open Banking é uma das partes constituintes do Open Finance.

Os dois termos se referem ao sistema aberto que permite ao cliente a liberdade de compartilhar dados pessoais e financeiros, sendo que Open Banking é o sistema bancário aberto e Open Finance é uma evolução do conceito e se trata da abertura de dados de todo o ecossistema financeiro, incluindo seguros, previdência, credenciamento, investimentos e câmbio.

A criação do sistema financeiro aberto exige que as instituições se preparem para uma realidade na qual o compartilhamento de dados e informações, seus e dos clientes, acontecerá de forma ágil e padronizada. Sua instituição está pronta?

Formato tradicional

Banking Current model

Open Banking

Open Banking model

Confira nossos materiais para saber mais

Open Banking 2.0

Mudando para o
Open Banking

Confira o blog
Open Banking 2.0 Webinar

Desafios para criar APIs para o ecossistema

Assistir ao vídeo
Open Banking 2.0 Webinar

Painel: Open Banking
APIX 2022

Assistir ao vídeo
Open Banking 2.0

Saiba o que é PISP e entenda sua influência no Open Banking

Confira o blog

Mais soluções da Sensedia para o mercado financeiro

BaaS (Banking as a Service)

Ajudamos sua instituição a se posicionar como uma fornecedora de BaaS. Com o apoio das nossas APIs, instituições do mercado financeiro podem se plugar ao seu negócio, oferecendo seus produtos e serviços no modelo white label ao cliente final. Preencha o formulário abaixo para saber mais!

Preencha o formulário abaixo para saber mais!

Pix

Contamos com soluções para participantes diretos e indiretos do Sistema de Pagamentos Instantâneos, permitindo que explorem as vantagens de um dos meios de pagamento mais populares do Brasil, melhorando a experiência do cliente e rentabilizando as transações. Preencha o formulário abaixo para saber mais!

Preencha o formulário abaixo para saber mais!

Conheça nosso parceiro em soluções Open Finance

Por meio da nossa parceria com a Sinqia, fornecedora líder em tecnologia e inovação para o setor financeiro no Brasil, você tem acesso à primeira solução integrada e simplificada para a implementação do Open Finance. A Sensedia apoia o seu negócio na estratégia e implementação de APIs, enquanto a Sinqia fornece serviços de banking para que seu negócio possa atuar como uma instituição do mercado financeiro.

Saiba mais sobre a parceria

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Another region? See in Brazil or Latin America