API Integration & Management
Experian enables consumers and businesses manage their finances and get access to better financial services. As a leading provider of award winning open data services, we power the big decisions in life from buying a home or car to sending a child to college or growing a business. With over 150 API end points, our Open Data Platform provides access to information on financial products, credit data, open banking, and other sources of open data such as management accounts for small businesses. Consumers use this information to manage their money , improve their credit score and get access to financial services quickly. Businesses use our credit data along with open banking to inform their engagement with customers throughout the credit lifecycle. This can include informing eligibility for a product or service, assessing an individiual’s credit worthiness, proactively managing a small business loan or personalising advice when someone falls into debt.
The Financial Data Exchange (FDX) is a nonprofit organization that is dedicated to unifying the financial industry around a common, interoperable and royalty-free standard for the secure access of user permissioned financial data, aptly named the FDX API. FDX has an international membership that includes financial institutions, financial data aggregators, fintechs, payment networks, consumer groups, financial industry groups and utilities and other permissioned parties in the user permissioned financial data ecosystem.
FDX exists chiefly to promote, enhance and seek broad adoption of the FDX API technical standard and is dedicated to five core principles of user permissioned data sharing: Control, Access, Transparency, Traceability and Security.
The FDX board of directors includes organizations from across the financial ecosystem and all tiers of membership are given the opportunity to participate in the development, growth and industry acceptance of the FDX API and other objectives through FDX working groups.
FDX exists as an independent subsidiary under the umbrella of the Financial Services Information Sharing and Analysis Center (FS-ISAC), whose mission is to ensure resilience and continuity of the global financial services infrastructure.
See our Frequently Asked Questions for FDX US and FDX Canada for more information.
Mastercard are at the heart of Open Banking with our market-leading applications and services.
Open Banking Connect
A universal connection to financial institutions’ Open Banking functionality, providing third parties with scale, resilience and speed to market.
Open Banking Protect
Verification of third-party certificate and regulatory status which provides near to real time checking of TPP registration and helping ASPS comply.
Open Banking Resolve
A centralised enquiry and dispute resolution service to provide clarity, consistency and transparency for all participants in the Open Banking ecosystem.
Professional advice and hands-on support to help financial institutions define and execute a strategy to thrive in the Open Banking ecosystem
Moneyhub is the leading Open Finance platform that enhances the lifetime financial wellness of people, their communities and their businesses. Moneyhub’s APIs and white label solutions power businesses – both from within and from outside of financial services – with data connections and intelligence, leveraging Open Banking payments to enable hyper-personalised experiences that drive customer engagement.
The company takes consumer data security seriously and has been instrumental in the roll-out of Open Banking from its beginning. Founded in 2009, Moneyhub is authorised as AISP and PISP by the FCA, ISO-27001 certified, a founding member of FDTA and a member of EMA
Rebuilding Trust in Financial Services
By developing a single universal open banking API we provide access to a global network of banks and FinTechs that allows money and information to flow securely, instantly and at a low cost.
We offer banks a comprehensive solution aligned with global open banking standards to deliver new personalised consumer experiences & enable agile collaboration with the financial services ecosystem.
Unlock powerful API management, identity access management, analytics, and integration capabilities built on the WSO2 technology stack, consistently recognised as industry-leading by analysts including Forrester, Gartner & KupingerCole.
Our platform is delivered via a range of on-premise, managed services & cloud-based deployment options. Our technology is backed by consultancy that draws on wide experience in enabling API-led collaboration and digital transformation at banks globally including in the US, the UK, the EU, the Middle East, LatAm, Australia, Singapore and Africa. This combination of industry-leading technology and services is designed to help you realise the transformative potential of APIs and open banking for the bank, your fintech partners and your consumers.