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
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.
Find out moreBanks 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.
Find out moreInstant 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.
Find out moreCurrent model
Open Banking model
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.
’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
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.
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.
Developing manual integration will not deliver the necessary scalability, and governance will be more complex.
API platforms have modules designed to improve workflow governance.
Related Resources
Financial markets: From Open Banking to Open Finance
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At Sensedia, we help financial services companies dive into digital transformation with all the knowledge and support that only an API expert can offer
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Open Banking is a subject that has been pushing financial institutions to innovate and create new solutions for their customers.
Watch webinarLooking beyond financial and bank services, engage with partners to offer bank services for several industries.
Integrate with other business and create new revenue streams with high volume of transactions and Monthly Recurring Revenue
Easily connect through APIs with different partners, and keep your business rules protected.
Building marketplaces offering banking services is one of the main predictions for the next few years.
Topazio is a b2b Brazilian bank and the first in the country to adopt a Bank as a Service (BaaS) position. In this video, BaaS director, Carlos Eduardo Klein, explains how APIs supported the Open Banking model and how they enhanced its customer product and service provision.
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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.
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!
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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.
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.
O Banco Topázio foi uma das primeiras instituições financeiras no Brasil a se posicionar como um Bank as a Service. Neste vídeo, seu Diretor de BaaS conta como as APIs mudaram a empresa para um modelo Open Finance e escalaram novos produtos e serviços.
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
Open Banking
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!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!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 parceriaThis content is customized for each region we operate in.
Another region? See in Brazil or Latin America
