You can introduce fast game-changing services and streamline your payment processes with our Open Banking Hub. The service offers a single connection to access account information and initiate payments. Enfuce is an authorized payment institution* and together with us you get access to banks.
Introduce smart services based on account data
Streamline your payment processes in digital channels
Together with Enfuce you get access to banks
Run full test cycles for your service in our test environment
Access premium and partner APIs
Consumer and corporate accounts and all PSD2 services supported
Enfuce is founded to enable change in the payment industry. Open banking for everyone is a corner stone in this change. It is fast and easy for customers like fintechs, insurance companies, banks, accounting bureaus and mobile network operators to introduce open banking services together with Enfuce. In practice it means easy access and development of financial services. We remove technical complexity and facilitate the access as an authorized payment institution.
*Enfuce License Services Ltd, which is part of Enfuce Financial Group, holds the Payment Institution license and is under the supervision of Finnish Financial Supervisory Authority.
“We partnered with Enfuce because we can do great things together. Enento Group, that consists of Suomen Asiakastieto, UC and Proff, and Enfuce have a lot in common: We are both fintechs, safe & reliable, fast and agile, and we always finish the tasks we have started. Our collaboration is based on mutual trust and capacity to make things happen, but also a willingness to change standards.”
Reetta Sinelampi, Development Director at Suomen Asiakastieto
Our Developer Portal helps you to discover the Open Banking possibilities and deploy your services successfully.
The API documentation and Developer Guide will support you on how to work with our API´s. All API´s are following the Berlin Group’s NextGenPSD2 specification.
Our test environment is connected to banks’ sandboxes and allows you to run full test cycles for your service before going live. It’s open for everyone – you can access it simply just by requesting credentials to it via developer@enfuce.com.
Our supportive Business Services combines Back-Office Services, Risk Management and Dispute Management to offer a ready-made, easy to implement solution for your open banking needs.
The lending industry is affected by several external and internal forces. The COVID-19 pandemic has caused economic instability across continents, impacting consumer and SMEs’ consumption ability and choices, and thus their demand for unsecured loans. Moreover, it has driven further digitalization of lending services, customer onboarding, and KYC processes even for the more traditional lending providers. In Europe, increasing regulations such as the interest cap introduced in some countries limits the revenue
