Open Banking & Banking-as-a-Service
Connect banking capabilities to partners, platforms and customer experiences through APIs, consent-aware connectivity and modular financial infrastructure.
Bank ↔ API ↔ Partner ↔ Customer — one connection, many embedded experiences.
Open Banking and Banking-as-a-Service allow financial capabilities to become more connected and programmable. The opportunity is not simply API access; it is the ability to connect banking infrastructure with partners, products and digital experiences in a controlled architecture.
Turn Banking Infrastructure Into Connected Services
API Connectivity
Standardized APIs that expose banking capabilities in a controlled, documented way.
Banking Services
Core banking capabilities made available for partners to build upon.
Partner Integration
Structured onboarding for partners connecting into the bank's infrastructure.
Embedded Finance
Financial capabilities delivered inside a partner's own product experience.
Banking-as-a-Service (BaaS) allows non-bank companies to offer banking products — such as accounts, payments or cards — by connecting to a licensed financial institution's infrastructure through APIs. It lets banks extend their capabilities to partners and platforms, while partners can embed financial services into their own products without becoming a bank themselves.
API Management
API Access
Controlled access to the specific banking capabilities each partner needs.
Authentication
Verifying the identity of applications and partners connecting to the API.
Service Connectivity
Reliable, consistent connections between partner systems and banking services.
Monitoring
Visibility into API usage, performance and reliability over time.
Consent & Data Access
Consent Management
Recording and honoring customer permission for how their data is shared.
Data Access
Providing partners access only to the data a customer has approved.
Customer Control
Giving customers visibility and control over their connected data sharing.
Governance
Oversight of how consent and data access policies are applied and enforced.
Embedded Finance
Embedded Banking
Core banking features made available inside a partner's product.
Embedded Payments
Payment capabilities built directly into a partner experience.
Payment InfrastructurePartner Experiences
Financial capabilities presented as a natural part of the partner's product.
Partner Ecosystems
Fintech Partners
Fintech companies building products on top of connected banking infrastructure.
Platforms
Larger platforms embedding financial services into their existing offering.
Developers
Technical teams building and integrating against the API layer.
Distribution Channels
New channels through which banking capabilities can reach customers.
Security & Governance
Access Control
Ensuring only authorized parties can access specific capabilities and data.
Data Governance
Clear policies for how shared data is used, stored and protected.
Monitoring
Ongoing visibility into access patterns and unusual activity.
Compliance
Aligning connectivity and data sharing with applicable regulatory requirements.
Modernize Your Banking Architecture
Talk with Sanson's team about the capabilities, integration requirements and modernization priorities that matter most to your institution.
Request a Demo