If they did, chances are they were working with a bank or several banks to offer customers financing through the dealership, instead of referring the customer to the bank for a loan qualification. Google announced they are going to partner with banks to check their consumers accounts, Apple starts its own credit card brand with special offers and Facebook incorporates Venmo in its payments tools with a more robust data collection. API to check if bank account or UPI address exists and name of holder. Many banks may be slow to respond to the API banking trend or not show interest at all due to a few. A bank as a license holder lends its license to a BaaS provider and grants access to its financial products. BaaS started with the facilitation of online payments on other non-financial platforms. How a company onboards users virtually will be critical in determining secure KYC protocols and authentication standards, while balancing a valuable user experience. 4. I even found a ticket service for events offers from a bank. Figure Pay provides a scalable, quick-to-market Banking as a Service (BaaS) API-based platform, solving both business and consumer For more information, see our Privacy Policy. Banking and financial institutions digitization hasnt stopped only at providing online services through tailored financial applications. Banking-as-a-Service has become THE dynamic solution in fintech to digitally deliver a customer-centric, bank product into the market quickly. 1. BaaS providers have Two terms, specifically, that have received a ton of buzz in the industry are Open Banking and Banking as a Service (BaaS). Reduce cost with lower transaction fees and real-time settlement via blockchain payment rails. If a bank is looking to grow their business by X percent in five years, how will Open Banking or BaaS help them achieve their goal? Create Developer Application. Enjoy the simplicity of one point of contact, eliminating 6 to 10 contracts with other vendors, each with minimums, reserves, and a variety of durations. Top Programming Languages for Blockchain App Development, Increasing application of BaaS in a variety of industries, Booming development of financial services applications, Bank platforms modernizations for the provision of BaaS, Close collaboration of diverse non-banking organizations with banks via BaaS platforms, Faster dissemination of alternative banking services such as. Application Programming Interface (API) through Sunwest Banks BAAS platform has never been easier to integrate with. Leveraging our seamless enterprise API, BIAB enables your company to launch a compelling challenger bank offering as fast as you can move. We have substantial experience in building complex BaaS solutions from scratch and integrating them into various digital platforms. Accept customer payments on the website, in-app or at the doorstep, process online and COD refunds, vendor payouts, and more, Collect and reconcile fees, pay salaries, disburse expenses, and other payments, Disburse instant loans, accept deposits and automate recurring loan repayment collection, Sell policies, collect premiums on app or WhatsApp using payment links, verify policy holders account details, disburse claims, pay to agents and other intermediaries, Find product and API documentation. Our innovative technology is built on blockchain rails unlocking greater cost savings, built-in compliance with all required licensing, and end-to-end streamlined program management, including Visa card issuer processing. If a bank wants to grow their business and stay relevant in the industry, they have to keep up with their competition. Create your own products with our API accessible banking-as-a-service platform. After a simple integration procedure, you join the open architecture of our payment solutions and multiple banking services broaden horizons for your business or launch a startup with ease. For the sake of anonymity, the article refers to the customer as Contoso Bank. Additionally, banks in this model can develop Banking-as-a-Platform (BaaP) and deliver FinTech SaaS, allowing companies to directly plug into their core infrastructure for banking products on-demand without need of a BaaS provider to be in the middle. 03 December 2020. Michael Hiles is founder & CEO of 10XTS. Have our customers been requesting products or services that would require an API integration? Some amounts, rates, and term lengths may be unavailable in certain states. Optimizing transaction success rate on payment gateway, Offer banking services without integrating with banks, Will the bank account created using Cashfree Accounts. The Figure Pay platform is built on the Provenance blockchain providing scale, better pricing, and material cost savings. Pipelines. If so, here are a few tips for joining the movement and exploring your options. If you find yourself in these situations, but you still want to move forward with API Banking options, then it may be best to look at new providers that offer the modern core technology that supports API Banking and is affordable to onboard. In the words of Eyal Sivan, former Senior Director of Enterprise Architecture at CIBC: Some amounts, rates, and term lengths may be unavailable in certain states. 9. 2021 IBT Apps All Rights Reserved | Privacy Policy. And by having the right vendor relationships on your side, you can readily expand your banks products portfolio, grow your business, and keep up with the big players in the industry. *The Figure Pay-branded demand deposit account is held at UMB Bank, n.a., member FDIC, with program management services provided by Figure Payments Corporation. New competition will come from tech giants that have established customer groups who would benefit from the same brand of innovation, but in their financial lives.Risk and controls will evolve to protect critical customer data but allow for a smoother process for identity verification across multiple companies and services. Bank as a Service allows any business to integrate all the financial instruments it needs into its business processes, completely customizing the bank for its purposes. For example, Statista says that in 2007 in the UK 32% of people used online banking services whereas in 2022 the figure has risen to over 90%. Institutional Market Infrastructure Solutions, 10XTS Team Speaking at South Carolina Blockchain Week October 4-7, The bottom level represents the traditional, nationally-chartered financial institution (bank) that partners with the BaaS provider also known as Infrastructure-as-a-Service (IaaS) layer.. Failing to adopt these new technologies and continually being slow to respond is not a place you want to be long-term. More details here. Find out more from our founder and CEO, Anne Boden. The provider communicates with the banks infrastructure via APIs (Application Programming Interfaces) and delivers financial solutions for fintechs to use. as the back-end that hosts standalone independent FinTech startups and integrates seamlessly with any existing back-office of traditional banks. Give your customers the ease of operating and managing a fully digital bank account. Web service commonly provides an object-oriented web-based interface to a database server, utilized for example by another web server, or by a mobile app, that We have partnered with the best to offer the best connected banking experience to your users. With BaaS platforms its easy to plug into banks KYC (Know your customer) systems. Read a few dos and donts when considering an integration with your core. However, the growing competition for clients and the necessity to keep pace with innovations have urged many banks to turn to digital transformation. BaaS services arent limited only to a payment gateway integration and there are many other financial services companies can embed into their platforms. Gartner estimates $195 Billion of spending across industries on Cloud Application Services in 2023, with Financial Services set to be one of the key contributors to this overall estimated spend. More details here. WebPortfolio+ BaaS platform has easy-to-use APIs that allow traditional banks and credit unions to develop innovative digital banking offerings in collaboration with third-party service Figure Payments Corporation is not a bank. Start Now. Open a Developer Account. In the next few years, the industry will grow to become transparent as firms and regulators will work together to bring all banking services via API. Did you know? While Open Banking allows third parties to access customers data, BaaS allows third parties to access the banks functionality. Banking-as-a-Service will continue to make banking widely available to any company capable of delivering valuable services to customer or market segments around the world. How to Know Your Company Needs a PIM System. Consumers will consolidate their deposit balances with companies that are able to deliver a full ecosystem of financial services customized and adaptable to their changes in life regardless if banks, fintechs, tech giants, or some hybrid mix of these firms is delivering the solution. It represents a software layer with a number of services that are customized for various FinTech startups and other financial companies. Despite having an established reputation for financial services innovation, the United States and Asia are considered industry laggards in open banking due to the lack of regulatory guidance and infrastructure for banks to openly work with fintech companies. Leverage your mobile investment to embed real-time payment solutions at a fraction of the cost of traditional payment rails. Let your users add their existing bank accounts to your product and do instant payouts without visiting the bank portal. Open a Developer Account. Banking as a Service (BaaS) is a process when a bank provides seamless integration with its IT systems through open API, smart contracts, and distributed ledger technologies. All the services of a bank, ready to be plugged into the heart of your business. Also referred to as Open API or Open Finance, Open Banking is when non-banks use an API to access data from a banks customers account to provide account insights or trigger payments within an app or website. Set rules for funds transfer, withdrawals, block funds etc. Typically, the TPP pays a monthly or annual fee. Thank you, your application has been received! Streamline your core banking operations and bring innovative tech in-house with a BaaS solution that gives you flexibility, greater cost control, a quick time to market and reduced risk. That was when the UK government required the nine biggest banks in the country to open their data to licensed startups via open banking API.. We appreciate the support and level of service that the team at LPB Bank provides Start building your banking services (+371) 67772999 baas@lpb.lv Your name E-mail * Website Country code * Message or question More details here. If youre considering taking the leap and delivering banking services as a digital solution, were here to help. Share QWAC certificate. 2. **, Link multiple existing bank accounts and access accounts from a single platform, Check balance of all connected bank accounts. API-based BaaS stack includes a three-layered structure: Another way to use banking in your web application is to tap into secure widespread Cloud services. If a bank doesnt fully understand the integrations process and doesnt have an honest conversation with their core provider, an integration can cost the bank in more ways than one. Under the model, fintech companies will conduct all preliminary credit checks through a third-party maintenance cost, Collect recurring payments via UPI mandates, Send money to any bank account, UPI ID, Amazon Pay, Paytm instantly 24x7 even on a bank holiday, Payout link when only mobile number or email ID is known, Send money to India to your sellers or service providers in INR, Verify bank account, UPI ID and name before onboarding and sending money, Verify PAN card of users while onboarding and before making payouts, Do user Aadhaar verification in seconds and speed up user KYC, Verify supplier or user GST details in seconds and fast track KYC, Built for neo-banks and fintech. Banking-as-a-Service (BaaS) is a key component to open banking, in which banks open up their systems and allow third parties to access their data to enhance their Therefore, the platform owners dont have to worry about complicated funds management whereas customer onboarding requires the buyers to just one-time data sharing. Second, Banks must offer API based services to their customers. Visiting a brick-and-mortar institution was on pause for so long that customers started looking for digital banking options to take care of their banking needs. This is BaaS. Web1. WebBanking system cloud transformation on Azure. Bank-as-a-Service is a layer that goes above traditional banking. Here are just a few of them: Drives innovation with adoption of new technology capabilities Broadens the customer base and increases market share Attracts and retains your banks customers by meeting their demands Creates new revenue streams through new partnerships Can be used internally to connect disparate systems Relieves the burden on internal IT resources Enables faster customer service Reduces workload and promotes work efficiencies Mitigates the risk for human error Increases customer loyalty Increases profitability Lowers the high costs of doing business. Globally, open banking is in stages of development influenced by a varied regulatory landscape of data access: Overall, the United Kingdom (and greater EU), and Australia are early adopters and drivers of approved open banking environments. The introduction of added gateways through APIs has increased levels of risk, which require enhanced firewalls and other controls to prevent intrusions. Some tech companies obtain their own banking licenses and can operate as regular financial institutions. You might have heard of Open Banking, Banking-as-a-Service and Data-as-a-Service and wondered how these terms differ. Open Banking and Banking-as-a-Service both provide banking services via open connections or open APIs to third parties. Refunds for online payments and COD orders, 15+ UPI integrations. Players within BaaS will start to overlap as banks become more FinTech-like and Fintechs build the same banking capabilities from a less regulated landscape. APIs & the big re-bundling in Financial Services (Banking-as-a-Service - BaaS) API-University. Our team of 25+ React engineers is here at your disposal. WebLoan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. This site uses technical cookies and allows the sending of 'third-party' cookies. Find more about Sensedia and APIs at sensedia.com or reach us on the web. Did the dealer offer financing options? Where are the opportunities for using API technology internally or externally? The purpose of data processing is verification of information prior to establishing business relations with the Bank and communicating with you. Open bank account. Here is the main benefits BaaS brings to various businesses and their customers: BaaS is a complex system that needs to be secure and reliable, involves strong authentication and data protection measures, and complies with the banking laws of the user location. Velmie CTO Sasha Kukareko says: The backbone of the Velmie banking software is the API ecosystem, which facilities integrations with different financial services Other examples of Open Banking solutions include: Banking as a Service (also referred to as Platform Banking or Embedded Banking from some sites) is when licensed banks enable non-banks to integrate digital banking and payment services to their own products. SQL Database. Various retail sectors like eCommerce, Travelling and Booking, and others can provide an opportunity to open a loan by using a special BaaS API. Need to Hire Professional Web Developers Fast and Easy? When looking at your current provider for API banking solutions, you may find yourself in a few unfortunate situations. Before adding financial services to their platforms, non-financial organizations have to consider a wide range of aspects: the services they and their customers require, the BaaS provider, and the process of BaaS integration into their systems. Kirsten Muetzel has been named as the President of Blue Ridge Banks Fintech Division. Gartner estimates $195 Billion of spending across industries on Cloud Application Services in 2023, with Financial Services set to be one of the key contributors to this overall estimated spend. Public sector lenders including the State Bank of India will jointly set up a unified cloud-based digital platform to connect with fintech companies and source loans through them on a revenue-sharing basis, said people with knowledge of the matter. It works similarly to white labeling when a business takes products manufactured by third-party companies, puts its brand label on these products, and sells them as their own. Were here to support you where you need it most. BaaS unlocks new opportunities for banks and non-financial institutions, allowing them to blend their services into high-quality digital solutions that effectively cater to the needs of the most demanding customers. WebBy utilizing a platform business model, financial institutions can keep up to date with all that internet-based banking offers. For institutions that need to integrate regulated digital assets and securities with their enterprise, XDEX is the foundation. The future of BaaS will be a much more mature, refined, and optimized version of what is seen today. Launch a challenger bank offering, upgrade your payment rails, and expand your existing mobile app, all in record times. API Banking Examples Banking as a Service (BaaS) Innovative banking business models often include Banking-as-a-Service (BaaS), or white-label banking, which allows non-bank businesses and FinTechs to offer customers digital and mobile banking services by leveraging an established financial institutions capabilities and banking The use of open APIs that enable third-party developers to build applications and services around the financial institution. Does your product suite fulfill all three of the above benefits? Meanwhile, the Finastra survey predicts that the BaaS solutions will provide a $7tln opportunity to various distributors such as retailers, e-commerce companies, and others. Automatically track customer payments with virtual bank accounts. WebAPI Banking can be defined as any software that uses an API to share information between financial institutional systems and third-party applications. Kirsten Muetzel has been named as the President of Blue Ridge Banks Fintech Division. Due to transparent regulatory conditions allowing 3rd party access of bank data, and clear ownership of an individuals personal information these regions will continue to lead the pack globally. If we dont have the internal staff and bandwidth to develop an API, what type of providers should we consider and whats our budget. The use of open-source technology to achieve the above. They can be: providing special loans and discounts to the businesses that use the BaaS of a particular bank, personal loans to non-financial platform clients, simple payment processes, checking and saving accounts, wealth management, overdraft services, credit and debit cards, compliance with regulatory requirements, and many others. The core blockchain network operating beneath the XDEX Network is a private, permissioned MIT-licensed Delegated Proof of Stake (DPoS) consensus protocol. The most successful blendings of BaaS FinTech providers and retail banks that have started their own BaaS platforms are SolarisBank, Bankable, Treezor, Cambr, ClearBank, and others. In this article, well uncover what Banking as a Service is and explain how many banks and non-financial institutions can benefit from implementing BaaS solutions. More details here. Banks are providing various fintech and non-fintech organizations with their back-office services like Amazon or Google lease their infrastructure services. Kirsten Muetzel has been named as the President of Blue Ridge Banks Fintech Division. A wide range of companies across various industries view BaaS as a successful strategy to increase their revenues and minimize their customer churn rate. This enhanced model of banking will push out banking services to apps and other pieces of software. IBT Apps offers a fully integrated core banking system for community banks nationwide. Our partner banks host your user bank accounts and follow all security standards, as per RBI regulations. In a nutshell, Cashfree helps neo banks with the building blocks to build and offer digital and mobile-first financial solutions like money transfers, payments, expense management, money lending, and more. Our developer friendly REST APIs are easy to integrate and offer the utmost security. Offering a powerful, yet economical means of bypassing the card networks, improving consumer loyalty, and earn additional revenue via traditional cards. Open banking. Nevertheless, with the development of digital technologies and cyber security strengthening, banks and financial institutions started adapting them first for improving their inner workflows and calculations and later to provide a better customer experience. Banking is a service but we are thought of banks as an institution where banking happens. WebBanking-as-a-Service (BaaS) platforms have become a key element of open banking, where banks make their Application Programming Interfaces (APIs) available to outside developers This will allow companies to minimize the payment complexity for their customers as well as increase the use of their services among them. Power your primary offering with programmable digital securities tokens to leverage direct issuance, ease of management, and global liquidity. Offer your users banking like never before. We are happy to have them as our Banking Partners and believe in mutually beneficial cooperation based on the new generations technologies, Support and flexibility provided by LPB Bank truly are key to the CloudPayments experience our clients expect. This can be a product of the bank itself or service provided Increasingly banking doesnt happens inside banks, it is happening across the network of Discover more about the XDEX platform and how it works. and it could cost you up to $100k for the service. If not, lets discuss API banking a bit further and how it can help your institution. XDEX helps capital markets participants and regulated institutions leverage the true benefits of compliant digital assets and blockchain. All Rights Reserved. What is Banking as a Service? This part of the stack sends data back and forth between the bank and FinTech, through the BaaS provider as an intermediary. Refresh the page, check Medium s site The bank processes all data and considers this when calculating salaries. Consumers no longer need to go to a bank OR talk to a person (due to AI-enabled bots) to complete any banking activity. If there is a letter in the Spam folder, it should be marked as Not Spam. Our financial solutions and services can serve multiple industries: We have 14 years of practical experience in fintech, The LPB Bank API solution has allowed us to offer flexible and efficient products to our clients. 10XTS has sought to automate Banking-as-a-Service for institutions with XDEX as the foundation for Governance, Risk, and Compliance (GRC) and Master Data Management (MDM). More details here. No bank visits required. We will contact you soon. 2. The first and most common option for most non-financial platforms is to embed payment services into their solutions. Both Open Banking and Banking-as-a-Service are terms used to refer to financial APIs that are provided by banks. But contrary to what many may believe, these API-based banking solutions are not exclusive to major financial institutions or the rising neobanks of the world. No website or app required, Create customized payment pages and collect payment instantly, Turn any Android mobile into a POS machine, Create unique printable UPI QR codes at zero Overall, the Banking-as-a-Service sector will achieve mainstream adoption in the next decade as consumers demand the best from financial services providers. Web1. Today, banks have moved further and begun to offer Banking as a Service (BaaS). API Banking can certainly optimize your banks operations and welcome new revenue opportunities. There is electronic document management. Open banking allows people to benefit from their financial data through the easy and secure connection Start integrating Cashfree Payments products, Know what is API Banking, and how you can use it for your business, Know about NACH mandate the underlying infrastructure to collect recurring payments in India, Understand payment gateway settlement cycle mechanism, Know how CRED revolutionizes credit card repayments, Learn how legacy fashion brand, Ritu Kumar offers global checkout experience, Discover how Tata CLiQ delights customers with instant COD refund, Know how Zoomcar refunds security deposits instantly with Cashgram, Learn how Apollo Tyres simplify their incentive payouts with Cashgram APIs, Learn how softPOS can efficiently replace traditional POS machines, Unbundling the Traditional Banking Services, Latest updates on feature releases, what's new in payments industry and more, Stay tuned with the latest & upcoming events, Find answers to general queries related to account activation, settlements etc, If you made payment on a merchant site, refer FAQs related to refund, order status etc, Cashfree Payments issue resolution guidelines in case of dispute between merchant and paying customer, Refer to our guide for all queries related to Partner Program. Further user money is insured upto 5 lakh as per the RBI's insurance deposit scheme with our partner banks. Formalizing a credit online saves time and helps to avoid paper routines. At the top of the IaaS model would be banking as a platform provider (BaaP). The BaaP would be a bank that is fully licensed or use an external regulated bank's licensed banking services. The decomposed banking services (FinTech SaaS) are in essence, plugged into this layer. Data-security plays a crucial role in the BaaP. Figure Payments Corporation dba Figure Pay | NMLS #2033432 | 100 West Liberty Street, Suite 600, Reno, NV 89501. Partnering with fintechs became a viable (and tested) option to leverage the most innovative tech solutions that consumers were using and a path to stay relevant within the industry. z o.o. Banking as a Service (BaaS) is the provision of complete banking processes, such as loans, payments or deposit accounts, as a service using an existing licensed banks secure and regulated infrastructure with modern API-driven platforms. They are taking advantage of a new channel and opportunity for profitability, are able to increase their customer base more than they could have on their own, and can leverage their partnership with their own customers. They help fast identify and verify customers identities before processing payments and prevent fraud or money laundering. 4. Victoria has over 15 years of experience in IT, keeping track of the current and future trends in the sphere, sharing expert advice and relevant industry experience. You can consider 2016 its birth year. Create a better customer experience with a total solution that fits your banks needs. Fully licensed banking services available through Open Banking platforms. They receive users data and requests on performing financial operations and send all these to BaaS layer platforms. However, special arrangements can be made based on the type of service or group of Event Hubs. Currently, BaaS is growing further and the number of banking services provided via BaaS has increased tremendously. There are quite a few assumptions about API banking that are misleading. No more manual reconciliation. Please get acquainted with our Personal Data Processing Policy. Your competition should be the banks that are partnering with these non-banks. Embedded online payments have opened new revenue opportunities for many online platforms and gave impulse to the development of e-commerce platforms. The top layer is the FinTech company that interfaces with the end user receiving data from customers on transaction requests that it sends to the BaaS layer. Generate authCode via Online Banking Portal for BaaS More details here. I confirm that the data provided are accurate, and consent to LPB Bank processing the data provided in the electronic application in order to contact me and inform me about LPB Bank services. The result would be a virtual marketplace for purchasing and launching bank products. As fintech firms became known for lower friction and an enhanced customer experience, financial institutions and companies from other industries began exploring how to offer financial services virtually. Collect and send money via UPI, Save and process customer card information securely, Offer the widest range of flexible, convenient payment options, Collect payments by sharing payment links. A potential example would be Amazon Web Services obtaining financial licensing and becoming a premier IaaS provider that also provides server hardware. Around the world, the access and benefits of Banking-as-a-Service fueled the Open Banking. Further customization is then layered on top to set up deposit accounts, debit cards or credit cards, and loans. get started. offering special debit cards with a point-credit system for each purchase, providing loans to buy the companys products, and much more. The first online banking service was launched in 1997 by Sumitomo Bank. Open a Developer Account. API Gateway, 2. Share QWAC certificate. WebAPI-based Bank-as-a-Service is a type of Banking-as-a service that allows banks to offer their services through APIs. Ms. Muetzel is responsible for overseeing the Fintech Division, managing a Here are examples of the services that BaaS provides today: Non-financial companies can use Banking as a service to add payment functionality to their platforms or apps. However, if your bank is operating a decades-old legacy system, then onboarding a new API-based platform may not be so seamless and wont be able to fix any pre-existing issues with your technology stack. Each depositor in a bank is insured upto a maximum of 5,00,000 for both principal and interest amount held by him. Generate authCode via Online BaaS services are gaining momentum right now. Banking services will be provided by our banking partners - ICICI Bank and Yes Bank. If you are a neo-bank, fintech or internet platform looking to offer banking services, contact us. For example, they can offer their customers such services as financial accounts for effective finance access, storage, and management. Banks are becoming service companies and providers of various services, and they have the opportunity to make dealing with finances on any level, in many contexts, convenient and efficient. Therefore, its expected that the migration towards BaaS solutions will exceed 70% per year over the next three years. Our platform offers technological and financial solutions to enable financial services providers to widen and expand their business. This way, itll be much easier for them to test their platform demand among their customers and swiftly adjust the financial services they provide to their customers preferences. The banks turn into financial service platforms, technically implemented through a Banking as a Service-concept. Challenges of Banking as a Service The challenges of implementing a BaaS strategy are numerous. For small to mid-size banks to thrive in todays environment, they must be open to innovation and embrace integrated banking experiences that involve API-based solutions. WebBanking-as-a-Service (BaaS) systems have emerged as a core component of open banking, in which banks open their application programming interfaces (APIs) for third parties to Start accepting payments via Merchant APIs, Get account statement using Banking as a Service (BaaS) APIs, Make a payment using Banking as a Service (BaaS) APIs, Onboard Customer via Banking as a Service, Start accepting payments using Banking as a Service (BaaS) APIs, Get account Statement using Open Banking (PSD2) AIS APIs, Make a payment using Open Banking (PSD2) PIS APIs, Onboarding: Generate authCode via Online Banking Portal. There a multitude of reasons and benefits to onboard API Banking at your bank. The #1 integration and automation platform chosen by enterprises to build workflows, publish APIs, and manage conversations. Open banking allows people to benefit from their financial data through the easy and secure connection XDEX Markets extends XDEX Assets to integrate with third-party capital markets and financial institutions. Tokenize your securities and assets with the most secure and robust regulatory compliant asset and securities tokenization engine in the market today. What Is a Private Blockchain and Why Do You Need It? Banking as a service works when a third-party provider (TPP) such as a fintech company, digital bank, or other non-bank business pays a licensed bank a fee to access the bank's systems and tools. Banking-as-a-Service is the next significant step in our offering. As of September 2019, there are 143 financial services providers (monitored by UKs Financial Conduct Authority, aka FCA) registered for open banking. 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