Top 20 German bank, Deutsche Kreditbank AG (DKB), teams up with Tink to give construction loan seekers a digital, frictionless application process, based on real-time data.

Tink worked with Visa Consulting and Analytics on a new white paper which details the state of play, direction of travel, and best open finance practices from around the world.

This Tink white paper introduces new consumer and retail banking executive research from key European markets, setting the scene for banks to take the next step with Personal Finance Management (PFM).

Tink’s new data identifies Gen Z as key for the banking industry, highlighting the importance of ensuring digitised, personalised features – read more and access the complete research here.

Prioritise investing in data-driven lending models with Tink to make more informed credit decisions, enabling credit access to those who can afford it, while protecting struggling borrowers from getting into financial distress.

Expense tracking can be detailed as well as intuitive – say hello to Variable Spend, a new feature of Tink Data Enrichment designed to help banks offer their customers more insight.

Confident decisions, top quality reports and going to market faster are just some of the benefits Tink’s new categorisation model has for lenders – deep dive into the world of generative AI, multilingual models, and more with this guide.

Our new Banking & Lending director for the Netherlands and DACH region, David van Damme, shares his insights on these innovative markets, why they’re different and how digitalisation is changing the lending landscape.

TransferGo, the global fintech empowering a world on the move, has partnered with Tink to add Pay by Bank to its payments offering. Pay by Bank is now live for UK TransferGo customers, introducing a new way to more securely and quickly send money internationally.

Splitwise, a popular app for sharing bills and expenses, and Tink have partnered to bring Pay by Bank to Splitwise users. This enables millions of Splitwise users to initiate direct payments to friends and family from within the Splitwise app.

How does Tink make sure that its technical integration is successful? That’s where delivery teams, overseen by people like Jennifer, come in. Here she tells us about her role and ensuring that Pay by Bank journeys are as smooth as possible.

We sat down with Thomas to chat about the challenges facing our customers in Germany,  and how our newly launched Risk Signals product is coming to the rescue.

We explore the details of the Instant Payments Regulation, as well as its benefits for consumers and PSPs – such as increased convenience, more innovation in the market, and reduced costs.

Variable Recurring Payments, powered by open banking, have huge potential for merchants and consumers in the UK. Read our VRP guide to find out how they work and why they are important.

Discover how variable recurring payments can transform smart meter billing into a more flexible user experience – and utility providers more ways to support financially vulnerable customers.

Deutsche Bahn has teamed up with Tink for Account Check - enabling instant, easy and secure account onboarding. DB Connect, part of the Deutsche Bahn Group, runs some of Germany’s largest modern mobility sharing services including ‘Flinkster’, Germany’s largest car sharing network and ‘Call a Bike’, one of the biggest bike sharing systems in the country. 

Streamline risk decisioning as a lender to lower operating costs using data-driven, digital loan origination, affordability assessment and income verification.

We spoke to Jack about working with some of the largest financial institutions in the world, optimising our banking relationships together with Visa, and what excites him about the future in our industry.

Tink has become one of the first participants of the European Payments Council’s SPAA scheme. We explain why SPAA was needed and how it could be the catalyst to transform account-to-account payments in the European Union.

Empower your customers through the cost of living with more options in energy billing and improved UX with variable recurring payments.

Hear from Tinkers who are closely involved with improving inclusion in the fintech industry and educating allies. While talking about their personal experiences, they also provide advice for members of the LGBTQIA+ community looking to enter the fintech arena.

Tink has launched Risk Signals, a rules-based engine that unlocks instant payment experiences while minimising risk – and already in use by Tink customers like Adyen.

eIDAS 2.0 and the EU Digital Identity Wallet are coming and they have the potential to revolutionise the digital payments landscape, making transactions more secure than ever before. Find out what this means for payments, and for consumers and businesses alike.

In this webinar our Tink team of Jaia Lloyd, Varun Atrey and Kevin Ward discuss how Pay by Bank (account to account payments) can vastly improve your user journey and demo how it works.

Prevent fraud in loan applications with data enrichment tools from Tink – while enhancing your affordability assessment, building better UX and future proofing consumer loans for the digital age.

From Pay by Bank and VRP, to risk assessments, sustainability and money management tools, 2024 looks set to be the year when data-driven financial services hit the mainstream.

Looking ahead to next year’s financial regulation in the European Union, there are three important developments set to shape the future of payment initiation services – Instant Payment Regulation, EU Digital Identity Wallet, and the SPAA scheme.

Tink's new lending white paper – with fresh research from the UK, France, and Germany – details how to elevate affordability assessments with enriched data, and why it’s more important than ever.

Livia Kathi, Tink’s Product Solutions Director, is spearheading our Pay by Bank drive in the challenging realm of ecommerce. Learn more about the crucial factors of user experience, building trust, and incentives.

In our latest webinar, we’re joined by David Lais, Co-Founder & Managing Director of ecolytiq to discuss how we have partnered to create a seamless way for banks to seize the opportunity and offer combined financial and sustainability coaching – and what we can expect for the future.

At Tink, we’re excited about Pay by Bank. Our new, in-depth UX guide tells you how to make the most of this innovative payment solution.

Open banking tools like Tink Money Manager and Tink Data Enrichment help its partners, like Savings Banks Group, offer streamlined user experiences that coach consumers towards financial wellness.

Investment platforms can avoid losing people to poor user experience – let open banking tools make your payments friction free, while your customers focus on their financial wellness.

Prep for Black Friday and 2023 end-of-year sales with new data from Tink, and discover the benefits of Pay by Bank for seamless refunds and returns.

Overseeing our ever-growing network of connections to banks is Sofia Sundström – we spoke to her to find out more about what sets Tink apart in this area, and why it’s so important to be a 'data nerd'.

New research shows that one-in-four UK borrowers are using credit to cover essential spending, while 16% take out a loan to make ends meet. For lenders, there is increasing worry around fraud and a desire to improve risk decisioning models.

Following the European Commission's PSD3, PSR, and FIDA proposals, here we examine some key considerations surrounding the potential transition of account information services (AIS) from PSD3 to FIDA.

With Loans, lenders and brokers can gain access (with user permission) to applicants’ data within minutes, potentially leading to higher conversion, reduced friction, and a more holistic view of a user's running liabilities.

With our new Investments product, neobrokers and wealth managers can use data-driven open banking to perform investment transfers and net worth consolidation in a quicker, more seamless manner that benefits the consumer too.

The cost-of-living crisis is impacting direct debits, but open banking tools can enable businesses to safeguard revenue while supporting customers. Read Tink’s guide to the solutions that can help.

Christophe Joyau has played a crucial role in our transition from serving individual customers to business customers and building a B2B SaaS function – he told us about it and what it’s like working with Visa.

Secure open banking payments are now even faster with streamlined authentication – optimise your payment journey and increase returning customers with Tink’s Pay by Bank-powered tools.

Help your customers manage the cost of living with open banking technology like Tink Data Enrichment, and offer them personalised financial coaching.

Beat the challenge of fraud in lending with actionable tools, from risk decisioning to authentication solutions with Tink – while getting closer to inclusive loan origination.

We spoke to Tink Engineering Manager Dennis Dorfmeister, who has been appointed to the advisory board of giroAPI, an open banking initiative led by the Association of German Banks.

We take a closer look at the European Commission’s FIDA proposal, in particular the pivotal role of Article 4, its implications for data rights, innovation, and the balance between accessibility and affordability for vulnerable consumers.

Tink and Orbyt partner to offer instant account verification, better direct debits and Pay by Bank-powered invoicing to its customers across Europe.

An Post now offers free money management services to all by deepening its partnership with Tink. Just 16 months after joining forces, the An Post Money smart budgeting tool is available to everyone in Ireland, expanding access to the service beyond An Post Money customers.

Tink Senior Legal Counsel, Martina Sjöblom, has been named to a new sub-working group as part of the Joint Regulatory Oversight Committee’s (JROC) push in the UK to introduce commercial, non-sweeping variable recurring payments (VRPs).

New findings reveal an opportunity for banks to enhance consumer support by continuing to develop, and raise awareness of, data-driven financial services.

SEPAexpress and Tink are teaming up to improve payments for its customers across Europe. Using Tink’s technology, SEPAexpress is simplifying the payment process offering Pay by Bank and instant account and balance verification.

Take personalised digital banking into the future with Tink’s Data Enrichment and Money Manager products, based on real-time data and bleeding edge open banking technology.

Learn why banks need tech partners and ecosystem providers to engage customers, increase loyalty and meet consumer sustainability expectations.

We have introduced a new feature on the Tink Console called Risk Decisioning, which provides a consolidated risk experience to enhance affordability and risk assessments.

Tink’s Head of Industry & Wallets, Jan van Vonno, discusses the EU's draft legislation for financial services - PSD2's impact, open banking progress, consumer protection, and benefits of the upcoming PSD3/PSR.

Tink’s Andrew Boyajian is playing a key role in a new variable recurring payments (VRPs) working group in the UK, advocating for standardisation and faster implementation of this technology in open banking.

New research from Tink shows that an estimated 40% of Brits would like to track their environmental impact through a service provided by their bank – but only 24% of banks currently offer the tools to do this.

Read about how Tink has teamed up with Score & Secure Payment (SSP) to enable open banking payments across the eurozone for its 14,000+ merchants.

After last week’s announcement of two new working groups formed by the Joint Regulatory Oversight Committee, Tink maps out the latest UK open banking timelines.

We spoke to members of Tink’s thriving Polish office, which has expanded from a small engineering hub to a live open banking payments market, with more than 140 staff now based in Warsaw.

Tink and climate engagement solution, ecolytiq, are joining forces to embed ecolytiq’s sustainability services into the Tink platform.

In this webinar, PostNord Strålfors – the Nordics’ largest distributor of invoices – speaks with Tink to discuss how invoice payments are becoming digitalised.

Understand how Pay by Bank works as an account-to-account payment method and how to leverage open banking with Tink as it reaches mass adoption.

Goodlord chooses Tink Income Check to streamline its letting process, using open banking and real-time data to improve verification and minimise fraud.

Improve affordability assessment and loan applicant experiences with Tink Expense Check, using real-time data and smart expense categorisation to improve affordability assessment.

Younited and Tink have partnered to streamline credit decisions using open banking. Younited’s data-driven approach to loan origination provides fast, accurate and inclusive lending, simplifying affordability assessments for a smoother experience.

An interview with BNP Paribas Fortis' Director of Channels and Customer Experience, Emilie Jacqueroux, on how the bank supports financial wellbeing by providing money management tools to adapt to the cost-of-living crisis.

Tink's latest research shows that almost one in four Brits are in need of tailored financial support. Learn how open banking can help UK banks support financially vulnerable consumers during the cost-of-living crisis.

Data categorisation helps banks clean and categorise transaction data to build better digital banking services, personalise customer experiences and encourage financial wellness. Here’s how to use Tink’s Data Enrichment.

Tink’s new mobile experience optimises the authentication journey and makes integration quicker and easier. Discover how to optimise your app user experiences with our mobile-first approach.

Forrester report ranks Tink a leader in open banking intermediaries: “…a robust, performant solution that can scale.” – read the independent 2023 report here.

Tink and ConTe.it Prestiti team up to power an instant lending application process with open banking, using the Tink Income Check product.

Different consumers need differing levels of support. Learn how banks can support UK consumers through the cost-of-living crisis by using tailored financial coaching, data-driven tools and money management solutions.

Discover how Tink's partnership with Multitude Bank is transforming digital banking across Europe. Streamlining loan origination, improving credit assessments, and promoting responsible lending across 19 countries worldwide.

Tink tops the 2023 Juniper Research Competitor Leaderboard in open banking – read the independently evaluated report here.

It’s common for friction to appear for users in open banking flows, causing lower completion rates than we would like. See how Tink is working on improving clients’ conversion rates through incremental changes to our products.

We’re releasing payment logs – a troubleshooting toolkit within Tink Console that allows you to see the current status of a payment and get more details if and when something goes wrong.

How does Income Check make it possible for lenders to verify income in seconds? We went behind the scenes of the Tink tech team to find out how Early Redirect is powering the open banking lending engine. Marcus Elwin, Associate Product Manager, has the details.

Risk decisioning and creditworthiness assessment technology are the tools lenders need to take loan origination into the future. Learn how Tink can help with this guide to optimising affordability assessment.

Online retailers struggling with refunds processes can reduce costs with Pay by Bank. Tink’s open banking tools help businesses optimise both their spend and UX. Read on to learn how real-time payments can help.

What is pattern recognition in data enrichment? Learn how Tink Data Enrichment analyses recurring transactions and predicted recurring transactions to help consumers to understand their spending – and banks to improve their services.

Tink’s latest research shows that a staggering 25 million Brits fear their income soon won’t cover essential costs, meaning banks have the opportunity to support them with tailored banking solutions.

Tink launches Data Enrichment, a new product giving banks the speed and flexibility to innovate digital banking apps, engage customers with PFM and keep them coming back.

Pay by Bank could change the game for your business, helping you add speed and prevent fraud. Learn how open banking powered payments can turbocharge your customer experience.

Digital loan origination processes powered by open banking are often faster, safer and provide a better customer experience than traditional methods – here’s why.

Give customers actionable ways to stay on top of their finances with Tink’s open banking tools. From personal finance management to inclusive loan origination, make banking and lending processes work for everyone.

How Variable Recurring Payments can help vulnerable consumers avoid overdraft fees and cancelled payments during the economic crisis.

Consumer engagement is a crucial component when delivering products and services. Discover the strategies that can help power growth for your business.

Tink’s latest research shows that half of UK online retailers are worried about surviving the next 12 months, as recession looms. Here’s how Pay by Bank can help.

Quality affordability assessment and creditworthiness are key to the future of lending. Learn how Tink’s open banking platform closes the data gap for lenders and encourages responsible lending.

The European Payments Council’s first SEPA Payment Account Access (SPAA) rulebook was published this week. Tink provides a summary and view on the latest developments.

Sweeping VRPs, the me-to-me payment method that is simplifying money management for businesses and consumers.

Personalisation is essential to engaging customers and building loyalty for banking apps. Tink’s Money Manager has the features to help.

Reducing fraud and failed payments just got easier. Learn how balance check is increasing operational efficiency and reducing chargebacks.

Tink’s payments upgrade adds instant refunds and withdrawals, letting businesses across Europe issue payouts that settle in less than one second.

When making a purchase online, consumers look for simple, safe and convenient payment experiences. In this guide, our Payments team shares its best practices for optimising Pay by Bank user journeys and ensuring the highest possible conversion rate. 

The modern customer expects more from their service provider than ever before. Discover how open banking can help you satisfy their needs in our ultimate solutions guide.

Lenders can approve more loans while taking less risk with the help of open banking. Learn more about risk decisioning in our ultimate solutions guide.

Tink and NatWest have partnered up to launch a beta VRP programme in the UK to gather real use cases for merchants based on their needs.

Comparing Pay by Bank conversion rates across different payment methods can be tricky since most don’t use an end-to-end metric. See Tink’s own benchmarks and how we track performance in this conversion rate deep-dive.

Discover what lies ahead for lending in these uncertain times – and how you can adapt to today’s needs.

The European Commission published its proposal on Instant Payments clearing the way for widespread adoption of open banking payments.

Looking for the best open banking provider? Here is everything you need to consider before making a decision.

Tink and Sambla partner up to offer better, more inclusive affordability analysis for all types of loan applicants.

In this webinar, Christophe Joyau, Tink SVP Banking and Lending, and David Öhlund, CEO Scandinavia GF Money, discuss how open banking is transforming the lending landscape.

Whilst some invoice distributors are still using time-consuming, traditional analogue flows, open banking is transforming the invoice payment experience. Learn how to easily digitalise existing analogue flows using Tink payment technology.

Tink and Zervant have partnered up to enable open banking payments for invoicing for over 100,000 SMEs.

To help businesses make informed and accurate decisions when assessing applications, we’ve made it even easier for them to instantly verify an applicant’s income with the use of granular, up-to-date data. All with just a few simple clicks.

The modern customer wants a frictionless payment experience. Discover how open banking payments can help you in our ultimate solutions guide.

With Tink’s Data Enrichment, banks gain access to enriched and personalised consumer spending insights – enabling them to better support their customers’ digital needs. 

Open banking is helping telco and utility companies navigate these uncertain times by focusing on quicker onboarding, faster payments and better affordability checks. Learn how open banking can help you.

The global fintech platform Adyen is partnering with Tink to power its new pay-by-bank solution and offer instant bank payments to its customers. The partnership will help accelerate the global adoption of open banking powered payments.

In our latest report, we explore how open banking can pave the way for faster, safer, and more responsible lending practices – and what lenders can do to prepare for this new era of credit. 

Many claim Variable Recurring Payments (VRPs) are changing the payments landscape. But what’s the actual status? And are there already viable use cases? We try to cut through the noise and explore the challenges and opportunities of VRPs.

We look under the hood to find out how the Tink tech team tackles the challenges of building our latest lending product, Expense Check – a feature that allows you to assess affordability with facts rather than assumptions.

Affordability and lending. Discover how open banking can help you get a more accurate picture of a potential borrower’s creditworthiness in our ultimate solutions guide.

SlimPay is partnering with Tink to offer seamless subscription payment experiences across Europe, powered by open banking. SlimPay merchants will be able to offer a secure, seamless way to set up a direct debit that lets users authenticate and make the initial payment through open banking.

Tink’s new product Expense Check enables lenders to accurately assess applicant’s affordability with open banking. With real-time, granulated expense data, lenders can check the applicant’s creditworthiness in a matter of minutes.

We’re proud to announce a partnership with Billogram to further improve their customer experience by removing friction from their invoicing platform.

Faster, broader coverage, and higher security: the top 3 trends driving open banking payments adoption today, according to industry leaders.

The key to picking the right partner for open banking payments is connectivity. Bank on better coverage to help you scale in the best possible way.

Discover the open banking solutions that are leading to a new world of finance.

How open banking can help simplify and improve digital affordability assessments.

What lies ahead for the future of open banking? Five Money 20/20 quotes from Visa Europe CEO, Charlotte Hogg

The democratisation of financial data is opening up new opportunities. Find out how to harness its power with open banking in our latest article.

Self-employed workers are being left out of financial services. Here’s how open banking can help.

Tink is partnering with UK cryptocurrency exchange Solidi to bring instant payments settlements to crypto investors. Open banking-enabled account settlements are faster, safer, and more convenient than bank transfers.

The cost of living is reaching an all-time high for many. Read on to find out how data can help consumers navigate these turbulent times – thanks to the near limitless possibilities of the open data economy.

Tink launches settlement accounts for simpler instant bank payments to speed up settlement times and reduce the risk of fraud. First launch in collaboration with UK crypto exchange, Solidi. Find out how it can help reduce friction in your business.

We caught up with Billy Telidis, Product Manager of Payments at Tink, to talk about how open banking payments have gone from relative obscurity to a preferred payment method.

Using open banking to drive sustainable change: Swedish climate fintech Again is partnering with Tink to end greenwashing. Their app leverages transaction data to accelerate the climate transition by offering valuable user data to sustainable brands.

Curious about what's true and what's false about open banking payments like Pay by Bank? Let's cut through the noise and bust some of the most persistent myths.

In this webinar, Director of Research Jan Van Vonno and Head of Payments and Platforms Tom Pope discuss the findings of our latest report, ‘The future of banking is open’. The report covers the move from a world where cash is king, to a payments’ ecosystem powered by open banking.

A2A payments are said to be faster, safer, cheaper than other payment methods. The term PIS, or payment initiation services, often gets thrown around in the same context. So how do they differ? In short: through open banking. 

What makes open banking such a good match for invoice settlement, and how can this product-market fit help lead to mass adoption? We take a look at a use case to find out.

The global financial super app Revolut has entered into a strategic partnership with Tink to offer its European customers seamless payment solutions powered by open banking.

In the wake of the pandemic and the digital transformation of finance, consumers are borrowing money they can’t afford to pay back. But open banking holds the key to safely assess applicants’ creditworthiness.

Tink survey reveals financial executives in Europe consider security, speed, and low cost as top benefits of payment initiation services – but that barriers to full-scale adoption remain.

With so many subscription services popping up, consumers are losing control of their recurring costs. Find out how banks can leverage open banking – and Tink’s data enrichment capabilities – to help them better manage their finances.

This webinar takes a close look at the findings from Tink’s latest report, ‘From open banking to open data economies’. Research Director Jan van Vonno runs through how open banking is set to change in the coming years and expand out from the financial sector to create open data economies.

Tink’s latest UK survey shows that nearly 9 in 10 consumers (88%) are prepared to abandon a transaction if faced with friction when making a payment online, highlighting the need to ramp up payments innovation and focus on user experience

In today’s digital world, it’s all about data – and the seamless user experiences it can power. Learn about the importance of real-time data, optimal UX, and more in this guide to building vs buying.

Open banking can help make better informed risk decisions – but access to data is just a part of the puzzle. Find out why quality account aggregation and data enrichment are the foundations of a standout risk assessment process.

It’s time to move on from just talking about open banking. Tink's latest report shows that data is on the agenda – open banking is evolving into open finance, which in turn is readying the market for the creation of open data economies.

Paying bills and invoices has typically been a cumbersome process – but thankfully, open banking can make it a lot quicker and easier by allowing customers to pay directly from their bank account. Here’s how that works.

It’s no secret that traditional credit checks don’t always work for everyone – but open banking can boost financial inclusion, giving more people access to credit, and fairer results thanks to better risk assessments. Here’s how.

Having a more holistic picture of someone’s financial situation can make all the difference when it comes to making well-grounded risk decisions. Luckily, open banking makes it a lot easier to build strong risk profiles. Here’s how.

Lumify partners with Tink to improve customer experience. With the help of open banking, Lumify has cut loan application processing time by more than half – with a 40% increase in success rate. Here’s how.

Tink research finds that 18-34 year olds in the UK want more information on their carbon footprint, and place high expectations on banks to help them track and improve it. With open banking, financial institutions can meet this demand.

We dive into the world of risk assessments, exploring challenges lenders face with current decisioning methods, and how the process can become more convenient, reliable and complete thanks to open banking and the smart use of data.

Tom Pope, head of payments and platforms at Tink, lifts the lid on where open banking payments scale is coming from – and whether the world is ready.

No more manual and inefficient onboarding processes: with Business Account Check, your customers can verify a business bank account with just a few clicks – for a better onboarding and a safer payout setup.

Tom Pope, head of payments and platforms at Tink, explains where open banking payments are gaining the most traction – and why the big opportunities are emerging now.

Explore the different ways to leverage open banking technology in payments – beyond A2A and PIS. Enable seamless onboarding with instant account verification, and reduce fraud and nonpayments with real-time balance check.

Find out how PostNord Strålfors – the largest distributor of invoices in the Nordics – is transforming how invoices are paid. (Spoiler alert: it has to do with their new partnership with Tink.)

Tink partner NatWest was awarded the Celent Model Bank 2022 Award for its Digital Spending feature. We talked to partnership insiders to get their views on the collaboration, and what it takes to build a successful partnership.

Belgian fintech mozzeno partners with Tink to simplify their onboarding process with the help of open banking. The result is a collaborative marketplace that saves users time and unnecessary paperwork.

An Post, Irish postal service provider, is partnering with Tink to give its customers the power to better manage their money. Using Tink’s open banking technology, An Post’s Money Manager app helps users improve their finances.

Tink Link's new customisable headers blend into your authentication flow and make the customer journey more cohesive. The new desktop layout provides a better user experience with increased readability and accessibility.

Expense management provider Findity is partnering with Tink to improve the expense management process for businesses and employees alike. Here’s how they’re tapping into open banking to simplify everyday life and cut down on work admin.

There are many ways in which open banking can help promote sustainability, for businesses as well as consumers. Find out how to create better digital experiences, increase efficiency, and save the planet – all at the same time.

Youtility and Tink are teaming up to help retail banks in the UK offer subscription and money management tools – with savings and sustainability in mind. Here’s more about the partnership, and how it’s addressing important consumer needs.

Integrating Tink's products just got easier with an option that lets you skip having to write code. Here’s what you need to know about the new feature – Standalone Tink Link – and some of the improvements that come with it.

We explore the difference between open banking and open finance, as well as the possibilities that come with an open financial services landscape. Such as better-tailored financial services and improved financial health.

Payment and invoicing platform Mobify wanted to expand their offering and give Finnish consumers an even more comprehensive – and personalised – finance management experience. Here’s how they’re partnering with Tink to do it.

Find out how Swedish rental marketplace HomeQ is simplifying life for tenants and landlords alike – and how they’re leveraging open banking to provide a seamless application process thanks to instant income verification.

We had a chat with Mattias Levin, Deputy Head of Unit at the EU Commission, about the pandemic boom of digital finance, the future of open banking, and using policy to aid post-pandemic economic recovery.

NatWest enlisted the help of both Tink and Cogo to offer a carbon tracking feature for their climate-conscious customers. Here’s how it works – and why Tink and Cogo joined forces to bring other similar solutions to market.

While we can never really know for sure what the new year will bring – it’s still quite fun to guess. (Then look back to see what you got right and where you were way off.) Here’s what Tink CEO Daniel Kjellén predicts for 2022.

Open banking is ramping up competition in the financial services space, as new market entrants start capitalising on the opportunities. How can financial incumbents make sure they remain on top of the game? Here’s what we suggest.

The Tink Console has a hot new feature: get deeper insights into how your open banking flows are performing in almost real time, including overall completion rates, conversion at different steps and drop offs or errors per bank.

Once again, open banking data is being used to save the world and help people reduce their environmental impact. Find out how ecolytiq is supercharging their sustainability solution for banks and fintechs by partnering with Tink.

Learn all about the most common account verification methods used today, why they don’t always meet today’s digital customers’ expectations – and how you can use open banking to provide a faster, safer, and simpler solution.

Find out how SEBx is making it easier for solopreneurs to sort out their finances using their new UNQUO app – and how they’re using Tink’s tech to help people easily gather information from both personal and business accounts.

How has the pandemic impacted open banking budgets? How much did financial executives invest in their open banking objectives? And which opportunities do they have in sight? We surveyed bankers across Europe to find out.

Creating detailed risk profiles can be hard. But we have a new product to solve that. Find out how Tink’s Risk Insights is giving lenders more information to go on – while also improving the application process for consumers.

Open banking brings an opportunity to improve the value propositions in payments, retail banking, wealth management, insurance, investments and other segments of finance. But how much could this opportunity be worth, exactly?

Is your Tink integration providing the best possible user experience? After working with customers to improve performance, we’ve identified small UX changes that can make a big difference. And we created a guide to help out.

New product alert: with Tink’s Business Transactions, you can easily and safely access real-time transaction data from business accounts. Here’s how it works, and some of the most common challenges it can help solve.

What is the SEPA Request-to-Pay scheme? What does it mean for banks, merchants and consumers – and for the future of payments in Europe? Is there anything that might be holding it back? We provide answers – and our own take on it.

Is open banking a threat to the accounting industry? We don’t see it that way. In fact, we think accounting software providers have a lot to gain by leveraging new open banking capabilities. We take a look at some of the key benefits.

Find out how Swedish startup Gimi is teaching kids about basic personal finance concepts while empowering them to better handle their finances – and how open banking comes into the mix as a fundamental piece of the puzzle.

To expose, or consume open banking APIs? That is the question. Discover the four paths financial institutions can take when it comes to their open banking strategy, and our view on what is currently the best route to explore.

Open banking isn’t just changing the game for financial services. Find out how different industries, from retail to telcos, can take advantage of the free flow of financial information to improve customer experiences – and business results.

Find out how eCollect is simplifying and digitising invoice payments – and how their new partnership with Tink will help ensure hassle-free cash management for their customers and a seamless experience for end users.

How do you improve a classification model to sort out what’s an income and what isn’t? Tinker Ida Janér reveals how data scientists in the Risk team embraced confusion and took in regional differences to optimise performance.

We’re partnering with global financial automation and payments company Serrala to simplify the billing process and reduce transaction fees for billers while improving the payment experience for millions of consumers across Europe.

Financial executives in Europe see open banking as a revolution, and are embracing it more than ever. But many expect it will take several years to get there. While transformation takes time – there could be a way to accelerate it.

Lemonway, a French payments service provider, launched their Pay By Bank with Tink, a new service that allows their merchants to offer users an easy, secure, and convenient digital payment method.

The UK’s open banking journey has been a bit different compared to other countries in Europe, and this has given them an edge – leading to a more mature environment. Here’s our take on what has contributed to their success.

Discover how Swedish startup Gokind is cleverly combining users’ financial data with sustainability information from brands to help consumers understand the real impact of their purchases and make more ethical choices.

Personal finance management (PFM) app placons wanted to rethink what a bank actually could do for its users. Here’s how they’re using Tink’s Money Manager to help their users lead a more financially sustainable lifestyle.

Banking priorities have changed as a result of the pandemic. Discover the three focus areas that are top of mind for financial executives – and how open banking can help institutions tackle all three by leveraging financial data.

Learn how data scientists in Tink’s Enrichment Categorisation team improved categorisation results by changing their approach to detecting outliers. Tinker Eliisabet Hein gets into the technical details and takes us through the change.

epap is on a mission to reinvent the paper receipt with a digital and more sustainable way to keep track of receipts – all in one app. By partnering with Tink, epap can offer their users an easier and more efficient digital receipt experience.

Connecting to an open banking API seems pretty straightforward. But making the connection is just the first step in a complex process. Here are some aspects businesses often overlook when deciding to build the connections in-house.

Tink’s new survey report finds that a majority of financial executives in the UK foresee a permanent impact from the pandemic – unlike their European peers. We take a closer look at the UK stats, and how they compare to the EU-wide results.

Income verification used to mean having to dig up bank statements, share income tax statements or payslips – and then wait days or even weeks to have it all verified. Now, thanks to open banking it can take seconds. Here’s how.

We interviewed Guido Crozzoli CIO of Poste Italiane to see how they are using open banking APIs and PSD2 to improve their service offerings to create an improved customer experience.

We are thrilled to announce Visa is acquiring Tink. This is the beginning of a new chapter in open banking, and we couldn’t be more excited about what this means for our employees, our customers and the future of financial services.

We’re partnering with German payments provider Novalnet to take real-time, open banking powered payments across Europe, starting with Germany and the UK, enabling merchants to receive transactions almost instantly.

Tink’s Research Director Jan van Vonno dives into the findings from our 2021 report, sharing economic statistics and survey results to shed light on emerging risks, changing priorities, and the role of open banking in the years ahead.

What is considered a payment account under PSD2 and what isn’t? Seems like a simple question, right? But, as with most topics in the finance industry, the answer is almost always ‘well, it depends…

In our new report ‘open banking in a post-pandemic world’ 41% of Europe’s financial executives believe the digital shift caused by Covid is permanent – with over two thirds saying the pandemic has increased their focus on open banking.

Find out how the lending industry can benefit from open banking, and how they can leverage new tech capabilities to improve the user experience, reduce costs, increase operational efficiency and optimise results.

Tink and Wealthify are partnering for open banking payments to transform how Wealthify investors transfer money into their accounts, providing a seamless, faster and more cost-effective payment experience.

Find out how Sigmastocks is simplifying investments, and how open banking is helping them streamline their account verification to speed up customer onboarding.

Tink has acquired FinTecSystems – a leading German open banking tech provider, powering over 150 banks and fintechs. The acquisition will offer customers in the DACH region the most complete solution when partnering for open banking.

Many of the acronyms used in open banking were introduced in connection with PSD2, and they can be a little confusing. This means it’s important to explain them, otherwise, people might have a hard time following you.

Tink and American Express are partnering to improve the onboarding process for prospective card members in Europe, by using open banking technology to instantly verify identity, income and account information.

Lydia is expanding its open banking partnership with Tink to Portugal, enabling its users to gather their accounts in one place, make contactless payments and online purchases, and transfer money to friends.

Most income verification methods used today cause friction and delay in the application process, and they’re not even that reliable. Here’s how open banking lets this process finally catch up with the digital age.

We’re teaming up with Tribe for open banking technology, enabling Tribe to combine issuer and acquirer services with Tink’s open banking payments – so Tribe’s customers can access both traditional and more innovative payment solutions.

Variable Recurring Payments is a hot topic in open banking, and many believe it could change the face of consumer payments as we know them. Here’s an overview of how it works – and why it’s such a powerful contender in the payments space.

Tink’s Warsaw engineering hub is booming, and we’re hiring 60 new engineers to more than double the hub in 2021 – to help lay the foundations that the future of Europe’s financial services will be built upon.

We hit a new milestone: over 10,000 developers on the Tink platform. That’s plenty of people using Tink technology to create innovative apps and products – here are just some examples.

SCA stands for Strong Customer Authentication, and it’s a regulatory requirement introduced in connection to PSD2. Here’s a basic summary of what a ‘strong’ authentication process can look like – and why it’s important.

Open banking is becoming a crucial tool in the fight to reduce carbon footprint. By plugging open banking tech into digital services, individuals and businesses can track and change their behaviour in a meaningful way. Here’s how.

Find out how MiTrust is streamlining user verification and onboarding by letting consumers share their personal data from trusted sources – and why they’re partnering with Tink to strengthen their offering.

What makes Tink’s Transactions product so special? Besides letting you access real-time transaction data from more than 3,400 banks across Europe, it cleans up and unifies the data, so you can immediately put it to use.

Forrester has named Tink as a Leader in The Forrester New Wave™: Open Banking Intermediaries, Q1 2021 report, where our clients cited Tink’s ‘outstanding’ and ‘relentless’ focus on the customer – which we believe cements Tink’s position as Europe’s leading open banking platform.

How can banks transform the digital banking experience and build long, lasting (and more profitable) relationships with customers? We lay out how banks can leverage open banking to create more valuable, personalised services.

The latest EBA Opinion calls for the removal of obstacles that obstruct TPP’s access to accounts for open banking services. Here’s our take on the most important bits of the Opinion, and what it means for banks and TPPs alike.

Northmill is on a mission to build personalised banking services that improve people’s finances. By plugging Tink’s open banking technology into its app, Northmill will deliver a seamless and relevant customer experience.

Learn how you can set up Tink’s Account Check to confirm the owner of a bank account by fetching real-time data from banks. This video walkthrough takes you through the entire setup process – and it’s all done in 12 minutes.

We interviewed Matteo Concas, Head of Global Digital Banking Solutions at Enel X. Here’s why one of the largest energy companies in Europe is looking to financial services – and open banking – to bring more value to their customers.

When charging or paying out customers, businesses rely on them to provide their account details. But people can make mistakes – or try to commit fraud. Thankfully, account verification can save everyone a lot of grief.

papernest built a platform that makes subscription management effortless – and it already has more than 600,000 users across Europe. Here’s how it's using open banking to deliver a seamless user experience.

AccountsIQ is on a mission to bring smart accounting to small and medium-sized businesses. So it’s teamed up with Tink for open banking technology, to streamline bank account connectivity and improve the user experience.

BNL has added multi-banking to its mobile app, giving customers a 360-degree view of their finances in one place. The partnership will drive innovation for BNL, using Tink tech to take new services to its 2.5 million customers in Italy.

Gone are the days when banks and fintechs battled for the financial services crown, as collaboration proves king. Tink’s Rafa Plantier takes a look at how banks and fintechs have worked out they’re better together.

With new possibilities brought on by open banking, banks need to overcome internal challenges to beat the race to deliver the best possible customer experience. Here are three key steps to taking advantage of this opportunity.

Subscription management app Dyme is teaming up with Tink to launch its money saving service across Europe. By plugging account aggregation technology into its app, Dyme is helping users view, switch and cancel their subscriptions in seconds.

Watch this recorded session of our latest webinar, where Tink’s Research Director Jan van Vonno will look at the different forces impacting open banking progress and shine a spotlight on where the internal alignment may reflect why some financial institutions are able to move faster than others.

Co-led by new investor Eurazeo Growth and existing investor Dawn Capital, Tink has announced an €85 million investment round extension, to accelerate its growth plans and expand payment initiation across Europe.

Our Research Director takes a look at the different forces impacting open banking progress and explores how organisations’ internal alignment may explain why some financial institutions are able to move faster than others.

Greenly is the force behind 2.5 million French people measuring their carbon footprint – and improving it. Now with Tink, Greenly is set on taking its app across Europe, and putting banks at the centre of its plans to help shift behaviour.

A whopping 70% of C-level executives see the opportunities of open banking, while just 45% of product owners agree. Tink’s latest research report dives into the task banks face aligning their organisations to make the most of open banking.

Find out how Swedish startup Avy is upgrading the renting experience for property owners and tenants by putting real people at the centre of real estate – and how Tink is helping improve one of the cornerstones of their product.

Norwegian company Tjommi is leveraging open banking to create fairer shopping experiences. Here’s how they’re increasing transparency to price match guarantees and helping people take advantage of refund policies – without any hassle.

When it comes to the top open banking opportunities, not all countries see eye-to-eye. Here are the open banking use cases being prioritised in five different markets – and the differences between them.

Get to know Tink’s new product, Account Check. Here’s how it can speed up and simplify the account verification process, providing an easier onboarding and setup for direct debit and payouts.

Tink and Eurobits Technologies’ union is official. The acquisition is complete and Eurobits Technologies is becoming part of Tink. As a result, Tink’s new and existing customers can benefit from broader connectivity across Europe.

Not sure what open banking APIs are, and getting tired of hearing about them all the time? We’re looking past the technicalities and explaining the term in plain English.

The life of a fledgling startup is rarely glamorous – but it is exhilarating. To celebrate entrepreneurship, we’ll share a few startup stories over the coming months – starting with Tink’s own, as described by an OG Tinker.

Multi-banking makes it easier for people to see the full picture of all their finances by gathering all their accounts in one view. Here’s why that can make a big difference for consumers and businesses.

Too many people pay unnecessarily high interest on their installments, credit cards or private loans. Anyfin wanted to fix that, and make it easy for people to manage their economy. Here’s how they’re leveraging tech to do it.

We’re always on about how great open banking is, and how it’s ramping up innovation and competition in the financial services industry. But what is it, exactly? And why does it matter? Here’s a (very simple) rundown.

This goodbye is as bittersweet as any, but the time has come to officially announce that we are closing down Tink’s Swedish consumer-facing personal finance app. Here’s why, and what we will be focusing on instead.

The news is out. We’re teaming up with Lydia as its open banking technology partner across Europe, to streamline the app’s bank connectivity and create new services for millions of  customers.

To stay ahead of the curve and master the open banking transformation, bankers need to start looking beyond compliance, and be smart about where to invest.

Not sure what payment initiation is, what it looks like, or why you should care? We’re breaking it down into simple terms. Here’s how it works, and what advantages it brings to consumers and businesses alike.

We interviewed Michael Anseeuw, Head of Retail Banking and long-time open banking evangelist at BNP Paribas Fortis. Here’s what he had to share about the challenges of being an early adopter, and his vision for a customer-centric approach.

Stiamo collaborando con Enel X Financial Services per portare servizi di digital money management a milioni di suoi clienti. Con strumenti coinvolgenti e consigli personalizzati, i loro utenti possono prendere decisioni finanziarie smart.

We’re partnering with Enel X Financial Services to take digital money management to millions of its customers. Through engaging tools and personalised advice, its customers can make smarter financial decisions.

Watch our webinar, where Tink’s Research Director runs through our 2020 survey results, taking a closer look at the use cases financial institutions are investing in and the immediate opportunities they have in sight.

We’re teaming up with OpenWrks, a leading UK provider of open banking applications, in a deal that sees us acquire its aggregation platform – strengthening our connectivity and coverage significantly in a key market for Tink.

Driftio makes it simple to build a personal financial balance sheet, and share data swiftly and securely. Users can then get value from their data through greater insight, personalised advice or better deals. Here’s how it works.

Our newly released survey report takes a closer look at open banking use cases, and which opportunities financial executives across Europe are most anticipating. Get to know more about the top five picks.

From an expanding ecosystem, to improvements in APIs, and increased investment – open banking has come a long way since the PSD2 deadline in 2019. Here’s how we see the progress that’s been made, and where work still needs to be done.

It all started with a hackathon challenge, and ended with an app that uses open banking to help those financially impacted by the coronavirus. Here’s how sprovid is helping Norwegian tenants on temporary leave get discounts on their rent.

Data is great, but it can often be made better. That’s what data enrichment is all about. Here’s what data enrichment can do for financial data in very simple terms. And why it can make all the difference.

Rafael Plantier, Tink’s UK & Ireland Country Manager looks at how open banking technology can open the digital doors to financial services for many more people, while helping businesses operate more efficiently.

We get down to the basics of account aggregation. Find out more about what it means, and how it can be used to increase transparency for both consumers and businesses.

Tink’s series of local open banking reports lift the lid on the biggest open banking spenders in Europe, looking at who is expecting speedy returns on their investments, where innovation has boomed and whose spend has increased the most.

We’re ecstatic to announce Tink is teaming up with Instantor, a leading European provider of credit decision solutions. Built on open banking technology, Instantor’s products and services strengthen our market position across Europe.

PFM is great. But what is it exactly? We get down to the basics and explain the term, what it means, and what it has to offer for consumers and businesses alike.

The barriers of operating across borders are coming down. Open banking is allowing any company, big or small, to take the same model and apply it to any country - slashing time-to-market, and creating vast opportunities for everyone.

When people invest money in mutual funds or pension accounts, the broker receives up to 50% in commission through the fund fee. Alpcot doesn’t think this is fair – and they’re leveraging open banking to change that.

Sopra Banking Software and Tink have joined forces to bring open banking solutions – account aggregation, data enrichment, payment initiation, and personal finance management technology – to a platform serving 1,500 financial institutions worldwide.

The EBA has resolved some of the biggest questions in relation to PSD2 APIs, after documenting its opinion on the practices of banks and the obstacles caused. This is Tink’s summary of the most significant implications.

Want to get a glimpse into Tink’s tech? Find out just how quick and easy it is to test, build and launch new experiences

The financial services industry is on the verge of a monumental shift towards data-driven solutions. By going beyond compliance businesses can unlock new market opportunities and improve customer experiences at lower costs.

From bus driver to billionaire, Opti delivers the same market-leading investment opportunities for everyone. By using Tink’s technology to help deliver a slick user experience, Opti is keeping complexity firmly in the background.

PayPal is making a second strategic investment in Tink, and together, their commercial agreement is extending across all countries in the EEA to continue the expansion of open banking technology.

Open banking has taken the financial services industry by storm, with executives taking advantage of a new industry paradigm. But how is open banking investment shaping up across the continent? Here’s a spoiler - it’s massive, and growing.

Watch the recording of our webinar to find out more about the results from our 2020 survey. Research Director Jan van Vonno explores how much financial institutions are investing in open banking, and how they’re looking to profit from it.

Find out how Tradera, the leading online commerce marketplace in Sweden, is using Tink’s account verification solution to provide an even simpler and more user-friendly onboarding and payout experience.

We ventured once again into the minds of European bankers and found that financial institutions are making significant investments towards their open banking initiatives. But what’s driving them? Or what’s standing in the way?

Nordea is partnering with Tink to transform their mobile banking app, and improve how their customers manage their money using open banking technology.

It’s time for the industry to catch up with the first movers of open banking, but the end goal is not to meet regulation. It’s about increasing sales and productivity, and reducing risk - to get a return on your open banking investment.

Our new Regional Director for DACH has his sights set on making the financial actors in the region the stars of the open banking show - by helping them create the slick digital experiences people are beginning to expect.

Offering personal finance management is a must for any financial service. Here’s how customers can manage their own PFM experience using the Tink console – complete with custom configurations and usage reports.

Continuous access to customers' financial data helps you give users more powerful and relevant services without them having to lift a finger. And you can start building right away.

Datia’s mission is to connect people with investment opportunities that are good for the world, and just a few days after launch, hundreds of users are already realising they had little idea what their money is really supporting.

The first report based on our survey of 290 senior executives and decision makers in the financial industry across Europe is out. Find out what the results reveal about how bankers are tackling the open banking opportunity.

Watch our webinar to learn more about how businesses are looking to create value from open banking – and how you can do the same. Tink’s Research Director presents the results from our 2020 survey of financial executives.

Actionable insights makes it possible for financial institutions to deliver hyper relevant and targeted digital advice. But how does it actually work? We dig into the technology that makes it all possible.

Find out how Swedish company Kivra is providing a more user-friendly and friction-free payment solution – to simplify things for their customers, and their business.

Open banking is changing the way people interact with their finances, as more providers launch value added services that have a real impact on people’s lives. But to get people to adopt new services – especially when they require sharing personal data – you need a solid foundation of trust. Here’s why trust matters, and the four pillars that are needed to keep it in place.

Find out how you can engage more customers, build trust, boost sales and increase share of wallet by providing actionable insights in your PFM experience.

Goloyal is leveraging open banking technology and financial data to give unique consumer insights for retail, shopping centres and loyalty programs.

Financial institutions across Europe are under pressure to deliver increasingly sophisticated services that simplify how people manage their money. Actionable insights can help make this a reality by enabling you to give customers a truly personal experience, which drives engagement, increases trust and boosts sales - all while helping people be smarter with their money. This is how it works.

We’re beyond excited to announce that Tink is joining forces with Eurobits Technologies. The acquisition of Eurobits Technologies is a big step for us in our continued expansion across Europe, and a complement to our organic growth strategy to enhance our platform, increase connectivity and expand our product offering.

In digital banking, personal finance management (PFM) is a key contributor to customer engagement. If you can be the go-to place for customers to manage their finances, that can easily turn into increased loyalty – and sales. With Tink’s PFM SDKs, making PFM happen doesn’t need to be a massive undertaking. You can get up in running in a few hours, saving developer time and getting to market quicker.

How do you build the future of financial services? We had a chat with Tinkers Jon Nilsson and Henry Kupty from the finance management team to learn more about how they work to transform financial data into delightful user experiences.

In part one and two of this series, we looked at the 'what' and the 'why' of enhanced credit scoring, discussing the benefits to consumers and businesses. In this third and final piece we dive into the ‘how’ – showcasing the tech behind the solution.

Spanish digital bank EVO is obsessed with making life easier for their customers. A big part of that mission is creating a first-class mobile experience, and so they are always looking out for new tech and developing new features to bring more convenience to the EVO banking app. One of their most recent additions is a multi-banking feature built on top of Tink’s tech.

At Tink we’re big believers in doing things at scale. Full data coverage across all European markets is the mission, but, somewhat unsurprisingly, it’s not without its complications. 

Last week BNP Paribas Fortis enabled their app users holding accounts at other banks to get a full financial overview in the Easy Banking App. This means that users can now view their account balance and real-time transactions from Belfius, ING and KBC without having to jump between different interfaces ultimately making their lives easier.

Bank and fintech partnerships are booming as the shift in the financial industry is taking everyone in the same direction. But just like with any other relationship, a happily ever after is not always a given. We’ve previously shared tips from our own experience in building successful partnerships, but we were curious to get the bankers’ perspective. So we reached out to our partners at CGD for their take on it.

This is the fourth piece in our ‘Build with Tink’ series, where we go through the Tink platform. Now we’ll put the spotlight on Tink Link, a tool that simplifies end-user authentication so you can easily and safely connect to over 2,500 European banks.

Advancing on our quest to provide a pan-European open banking ecosystem, we’re launching the Tink platform in France. This lets local businesses, banks and developers access financial data from some of the country’s largest financial institutions to offer French consumers the next generation of personalised and data-driven services.

Instead of focusing on the September deadline, the real test will be how you innovate to meet consumer demands in an era of increasingly personalised experiences.

BNP Paribas, the world’s eighth-largest bank, has selected Tink to be its preferred European partner for data aggregation and enrichment, payment initiation and personal finance management (PFM) technology – bringing our banking infrastructure and data services to the bank that serves 18 million customers in the region.   

Svalna launched with one goal: to help consumers slash their carbon footprint. Using financial data, the app helps users understand the environmental impact of their day-to-day purchases – and make simple changes that make a big difference to the planet. 

Zmarta makes it quick and simple for people to get the best mortgage rate in Sweden. Using our single API to collect account data, Zmarta can understand people’s financials in an instant – and give them a better deal.

Data is becoming increasingly central to innovation, but it can be challenging to know how to leverage it successfully. What strategies can help you gain an edge? We heard out a data guru’s 3 tips on using data to create value – while putting the customer first.

Leda Glyptis is a leading voice in banking from both the startup and the incumbent side. Way back at Money2020 in Amsterdam, we sat down with her to talk about this opportunity that is open banking and the big opportunities that it presents.

This is the third piece in our ‘Build with Tink’ series, where we are laying out you all you need to know to start building with Tink's platform. Here we’ll go into how you can build and launch a service using the Tink Console.

At the beginning of 2019, we set our sights on making the most of the opportunity that open banking is offering – a huge industry shift that is bringing about a new generation of financial services to market. Before we wrap up another year, we’re looking back at our own journey in 2019 and how it reflects this industry-wide transformation.

Beatriz Gimenez has made a career out of digital disruption, and she’s now joined Tink’s expansion journey – heading up our new Madrid office. We interviewed her to get to know more about her unique experience, the Spanish market, her thoughts on the future of banking – and why she decided to bet on Tink.

This is the second piece in our ‘Build with Tink’ series, where we’ll tell you all you need to know to start using Tink's platform. Here we describe the Tink Console – the admin tool that enables you to use our technology to test, build and launch data-driven services.

As part of our European expansion, we are launching our open banking platform in Italy and Portugal. Any local business, bank or developer can access the financial data of tens of millions of consumers – and offer personalised and data-driven services to meet their evolving demands. In the dynamic Italian market, we are also announcing the opening of our Milan office.

With our arrival in Portugal we’re giving developers access to financial data from 20 Portugese banks – and the tools to test, build and launch new services on top of the enriched data.

Rafael Plantier, our new UK & Ireland Country Manager, arrives at Tink with a motto: open banking is good only once people get to enjoy the fruits of their data. To make this a reality, our London-based recruit wants to seize the open banking opportunity — and give innovators in the UK the right tools for building data-driven services.

ABN AMRO and Tink joined forces to make the bank’s popular personal finance management app, Grip, more open and relevant with multi-banking, so users can add accounts from other banks inside the app – and Grip can reach more customers.

Over a couple of intense days, we rubbed shoulders with Europe’s tech establishment at the Slush tech conference in Helsinki. We met other innovators, took on the stage for fireside chats – and kept our ears on the ground to hear what was abuzz in the fintech circles, and what other industry experts had to say. Here are our key takeaways. 

With the September PDS2 deadline now visible in our rearview mirror, what is the status of the bank APIs in Europe two months later? Well, we still face big challenges as an industry to make sure the technical environments improve. But what we’ve seen is an encouraging shift in terms of collaboration and cooperation with some of Europe’s biggest banks. 

This is the first piece in our series, where we’ll tell you all you need to know to start using Tink’s platform. We’ll describe our full toolkit, share success stories, and show you how to quickly get started – so you can use financial data to build world-changing services too. 

A key to simple onboarding is removing any unnecessary friction in your user journey. Tink can help do that by automatically filling in forms for customers, so they can skip the manual work and get started more quickly. Our solution uses account aggregation to retrieve the relevant data straight from their banks – and it can be easily implemented in a matter of minutes.

Customers’ first steps inside your service are critical. Asking them to fill in lengthy online applications in order to get started can lead many of them to abandon your offering – and perhaps go explore a competitor’s. Tink’s autofill solves this by fetching the information straight from the customers’ bank accounts and automatically filling it in, making for a more seamless experience – and higher conversion rates.

Financial data has until recently been an untapped powerhouse of insight into a customer’s mind and heart. But now this data is in the hands of consumers instead of being locked away in their banks’ vaults – opening up space for innovation and enabling a range of new ideas that can make a big impact in people’s lives.

We’re hopping over the strait and expanding the Tink presence to our Nordic neighbours in Copenhagen.

Since before PSD2 became law, we have been working at a European level to advocate for the changes that are now becoming core to the open banking movement. And it’s because we see a future in which the banking and financial services industry takes a major leap into the future. Here’s the role we’ve played – and why it matters.

After reaching a commercial agreement, the bank and fintech are feeling pretty comfortable together. A commitment has been made and everyone’s clear about where the relationship is headed. The next step – making the collaboration fruitful – is not always straightforward. Here are five tips we’ve refined for when it’s time to get a product to market.

Since we first set foot in the Netherlands, it’s blossomed into a leading hub for financial innovation. The open banking movement will only reinforce this trend. So we’re thrilled to go live with the Tink platform and let Dutch businesses build game-changing financial services using PSD2 APIs. 

As we open offices across Europe, Finland is one place that sticks out from the crowd. With a more optimistic view than most countries and a tech-forward culture, most players in the Finnish financial industry understand the importance of putting the customer’s needs first. And so we’re planting our pink Tink flag here in Helsinki.

When looking at the fast-growing lending market in Sweden, Moank could see an opportunity to give more customers a fairer lending decision by mixing industry-leading tech with a personal touch. How are they doing this? By partnering with Tink to build a more inclusive credit scoring process, and encouraging employers to get involved.

Our blossoming bank and fintech relationship has reached the ‘let’s make it official’ phase. But even though we both want to end up in the same place, charting a path there can be complicated. First, we have to make sure we can get past our fundamental differences to see a happy future together – preferably in the form of a commercial agreement.

Portugal’s biggest bank, Caixa Geral de Depósitos (CGD), wanted to transform how it interacted with its customers. So it asked Tink to help build a first-class mobile experience that would also leverage open banking tech. Six months later, CGD launched a brand-new PFM app to give millions of consumers unprecedented insight into their economy.

Forming a bank and fintech partnership is a lot like dating. You meet, hit it off and decide you want to be together. But first you have to manage the challenges of bridging two totally different worlds. This is the full story of how we figured out that banks and fintechs can see the future in the same way (cue: heart emoji).

The financial industry has been standing at the precipice of this major shift. Some banks have taken the leap – innovative thinkers and leaders embracing the data revolution and using it to deliver amazing services. For those who’ve waited, now is your time – to take a leap, redefine how consumers manage their money and seize a once-in-a-lifetime opportunity to change banking for the better.

The results from Tink’s new UK survey report show that British bankers have a split opinion on the open banking movement, and unlike most other bankers across Europe, dealing with the new regulations is not a major concern for them. For respondents in the UK, ‘other incumbent banks’ came up as the single biggest threat brought by the open access to data.

Tink’s new report finds that financial executives in Germany are more likely to perceive the open banking movement as a threat rather than an opportunity, and indicates that they are not looking to explore new opportunities beyond the scope of PSD2 regulations for now. But they still understand the industry is in transformation (just like the German market), and are looking to partner with fintechs to tackle the journey ahead.

From the demise of cash and physical bank branches, to the rise of digital banks and automation, technology is irreversibly changing the way we manage our money – and what we expect from the services that do. 

To level the playing field between small savers and investment professionals, Swedish fintech Njorda has created an app that lowers the knowledge threshold needed to make smart investments – helping users compare risk, reduce fees and maximise their returns.

When payment provider Mash wanted to upgrade its onboarding process and use data to give customers a better deal, they enlisted the help of account aggregation.

Tink speaks to independent blogger and author Chris Skinner, about his positive view on the future of banking and what banks need to do - to change their business model and truly digitalise.

Europe has so far been largely protected from the big tech march into financial services. Penetrating each market has been a challenge due to differences in language, tech adoption and regulations. But open banking is unifying the financial landscape across the continent, making it easier for tech giants to get a foot in. Now the big questions are: what will happen when they do? And what do we need to do to safeguard customer loyalty?

In our final analysis of PDS2 APIs, we’ve found that none are compliant with the PSD2 requirements and obligations – the same result we reported from our last evaluation in June. And with less than a month before the final deadline, it is the millions of banking customers across Europe who will suffer the consequences.

By launching personal finance app Grip, ABN AMRO addressed two of their customers’ most pressing requests: understanding where their money went, and getting the tools to better manage their spending.

In our first UK partnership, we’re helping NatWest use open banking tech to transform its mobile banking app, and improve how customers manage their money.

It has felt in recent months as if the entire industry is mobilised to meet next month’s final PSD2 deadline. But forgotten in all the talk of SCA requirements, fallbacks and EBA clarifications is the monumental human effort that is being made deep in the offices of third parties and banks to create and align on an entirely new way of working.

With the launch of The Mortgage Match, SBAB has overcome a major hurdle: making it easy for people to make comparisons in the most complex financial product of their life.

Ultimately, everyone involved in this march to September – banks and third parties alike – is in the business of meeting the needs of customers. And yet, they could be forgotten if the majority of banks’ PSD2 APIs continue to offer just one authentication flow – the dreaded web redirect. It’s a method that kills innovation, destroys the customer experience, and could threaten the success of this open banking movement in which we’ve all invested so heavily.

In our recent open banking report – Inside the minds of Europe’s bankers – we quizzed nearly 270 financial executives across Europe, and sat down with some of the leading minds in the field to get to the bottom of the biggest challenges, threats and opportunities of open banking.

We raised the alarm bells earlier this month that the banks’ production APIs are far from ready – a reality that could threaten the services that millions of consumers enjoy. If they remain poor, then the success of PSD2 could hinge on a safety net that’s built into the regulation. But with no clarity around what this safety net should look like or how it will be applied, there is a real risk it won’t provide the security it was intended to.

We’ve seen our fair share of banking partners succeed in their efforts to build digital services that customers love, partner with fintechs to get the right tech, and becoming data-driven organisations. Taking all of those lessons, we’ve distilled them down into the three things you can do as a banker that will best equip you for the journey ahead.

A Tink analysis finds that none of the tested bank APIs released by the penultimate 14th June deadline meet the quality requirements laid out by PSD2 regulators – potentially creating a “cliff edge” scenario in September that compromises the financial services for millions of consumers.

The open banking movement is picking up steam – and we’re seeing an uptick in companies launching “open banking platforms”. But without defining what this really means, it’s impossible to make a like-for-like comparison. So we’re stripping away the term – and giving you a checklist with the criteria that really matters when evaluating a tech partner.

With over 50 banks – some of which are the biggest in the world – France’s financial market has a wide reach in Europe and beyond. But the tech that enables businesses to launch new open banking services has largely been local. Until now. 

When retail giant ICA wanted to improve the functionality of its life-management app ICA Spara, it partnered with Tink to offer customers access to their data from 50% more banks and cards – and their full financial overview in one place. 

Over three days in early June, the best and brightest decision makers in the industry met at Money20/20 to discuss the biggest transformation in decades. We had substantive conversations about the future of open banking in the pink booth – and took the stage to share our vision.

This is the final piece in a three-part series: Inside the minds of Europe’s bankers. We conducted an open banking survey, querying nearly 270 European financial executives on how they see the movement, the regulations and the future. This is the last of the three major conclusions we’ve made after analysing the data.

Today is the deadline for all banks to have their production APIs ready, and the first day for all third parties to officially start integrating with them. But having spent the last three months rigorously testing more than 100 bank APIs in their sandbox environments, we can conclude this: the APIs available up to now are far from ready, lacking the quality and maturity they need – offering a sobering preview of the condition of the production APIs due out today.

This is the second piece in a three-part series: Inside the minds of Europe’s bankers. We conducted an open banking survey, querying nearly 270 European financial executives on how they see the movement, the regulations and the future. This is the second of the three major conclusions we’ve made after analysing the data.

This is the first piece in a three-part series: Inside the minds of Europe’s bankers. We conducted a survey on the subject of open banking, querying nearly 270 European financial executives on how they see the movement, the regulations and the future. This is the first of the three major conclusions we’ve made after analysing the data.

This is the second piece in our ongoing series called Tink Thinks: Inside the EBA, where we explain and comment on the business of the European Banking Authority’s (EBA) PSD2 API Working group, which is helping to ease the implementation process ahead of the September deadline.

By Tomas Prochazka and Ralf Ohlhausen

In the last year, we’ve learned the power of “show, not tell”. We built 50 prototypes to show 50 prospective customers what they could do with our tech – and we learned a few things along the way. The biggest lesson? How the right demo can distill a three-hour sales meeting into just 15 minutes.

SDC and Tink have joined forces to give 120 Nordic banks access to account aggregation and payment initiation services, allowing its banks to make money management smarter and easier for 2.5 million customers.

When your mission is to create the infrastructure on which the whole of Europe can build open banking services, finding enough tech talent is a challenge. It’s why we opened our new tech hub in Warsaw, Poland to put extra fuel in the tank.

Meet Tink’s new senior adviser and investor: Christian Clausen. He’s a veteran of the old guard of banking – a former CEO of Nordea and chairman of the European Banking Federation. He’s sharing his expertise and unique insight gained from years working with Europe’s biggest banks. And we’ve joined forces to help bankers seize the immense opportunity up for grabs as the industry shifts – and open the digital doors to their customers.

As other industries fuel a change in customer expectations, the banking biz has some catching up to do. And the only way to win in this new era of customer engagement – where their data is up for grabs – is to focus, relentlessly, on the people behind the accounts.

The open banking movement is forcing the industry to innovate on an unprecedented scale. The smart banks are meeting this challenge by rethinking their singular focus on products – and behaving more like software companies to attract and hold onto their customers.

With a high application drop-off rate, Swedish savings and investment bank Avanza turned to our aggregation technology, to automate their onboarding process and help customers set up a new account in minutes, not weeks.

Now that banks can start to look beyond the huge task of being regulation ready, everyone’s attention is turning to what’s next. Which is how to get the most out of the open banking opportunity. But if banks want to stay ahead of the emerging competition, the time to act is now.

This is the last piece of our three-part Project Win UK series. In parts one and two, we lifted the lid on our challenge to go live in the UK, and showed how we integrated with the banks and built our categorisation model. This time, we show how all hands on deck meant we could go further and deliver more to complete our mission to go live in the UK – and “win” it.

One of the two biggest PSD2 deadlines just whizzed by on 14 March without much fanfare – and more importantly – without the compliance of 41% of the European banks we surveyed in 10 markets. Many will point fingers at those who failed to comply. But what it really highlights is that despite deep pockets and plenty of resources, the demands that PSD2 places on banks are monumental.

Here comes the second piece of our three-part Project Win UK series. In part one, we showed how our engineers smashed expectations to launch Tink in the UK in four weeks. Now we dive deeper to walk you through the first two weeks of the project, showing how we built connections with the banks and trained our categorisation model – at lightning speed.

This is the first piece in our ongoing series called Tink Thinks, where we explain and comment on the business of the European Banking Authority’s (EBA) PSD2 API working group, which is helping to ease the implementation process ahead of the September deadline.

Tink is taking PFM into the future with the split transactions feature. On the surface, it could seem like an incremental step forward – a new feature that many consumers have requested. But for any banking or fintech partner who wants to offer their customers personalised advice that’s accurate and relevant – it’s an absolute must.

This is the first piece in a three-part Project Win UK series, where we take you behind the scenes and show you how we enter a new market, how we think about technology – and how we challenge ourselves to do it better, faster, stronger.

Automated financial services bringing about the demise of banks is being talked about as if it’s a done deal.

Winning the customer of the future will require a level of personalisation and insight that doesn’t currently exist in banking. But it’s coming – and we’re building the platform that will deliver it. Our PFM solutions use machine learning to offer tailored, actionable advice that guides customers to the financial future they envision – and creates long-term relationships.

We recently wrote about the high abandonment rates that banks are battling during the onboarding process – and how to kill the friction so that more users complete the process. But improving onboarding doesn’t necessarily mean your user retention will be high. We’re sharing the top three factors that will help you attract users – and keep them coming back.

Australia is known for many things, including its natural wonders, and (potentially daunting) wildlife. In the fintech world, it will also soon be known for its own version of open banking. One that is inspired by Europe, but with an Aussie twist.

When it comes to open banking, behavioural finance expert Galina Andreeva is a staunch supporter. But she cautions that the opportunities it presents come with their own risks – and to offer the best service, banks need to understand their customers better than ever before.

Leda Glyptis can empathise with the banks. She’s a recovering banker herself. At a time when the incumbents are choosing to embrace this era of open banking – albeit slowly – the chief of staff at challenger consultancy 11:FS lays out the three choices they can make in order to make money and move their business forward.

A year of sprinting and scaling has put 2018 in the books as Tink’s best year yet. We’re sharing our journey – proud of what we’ve achieved in three major areas, and excited for even bigger growth in 2019.

We sat down with payments and PSD2 expert from the Bank of Ireland, Julie Connor, to discuss the opportunities of open banking and the strengths of standardisation.

The financial services industry in Europe is at a crossroad. Regulators have decided to open the floodgates to competition by introducing the concept of open banking. Although Europe is progressive when it comes to regulations, implementation can be complex. Now the world is watching to see how new regulations affect the financial industry in Europe.

Much like Tink, the trustee for the UK’s Open Banking Implementation Entity (OBIE) has big visions for the future of data-driven banking. He says it’s only a matter of time until the full scope of customer data is available for fintechs to use to build innovative new products.

Hugo Bongers, head of ABN AMRO's Digital Impact Fund, says he is excited by the plethora of new companies working on big ideas. But in a chat with us at the Money20/20 conference in June, he said that ultimately people want one central place or platform where all services will be combined.

More banks are building personal finance management (PFM) features into their mobile banking solutions – spend monitoring, budgeting tools and charts that detail spending in different categories.

From blue-chip banks to fintech unicorns, our customers are using Tink services to better respond to this era of open banking – in which the power is shifting from banks to consumers, and giving consumers the power to choose.

Open banking was designed to open the retail banking market by giving everyone access to the data they needed to deliver banking services. Initially viewed as a massive boon for fintechs, and a worrying threat for banks, the mindset of the latter is shifting.

Every financial transaction generates data, which means that every business in the financial services sector has a hugely valuable resource right under their nose. Until recently, very few businesses and banks were actually able to make use of this data. Even those who held the right expertise were often held back by the cumbersome legacy systems which remain prevalent in the banking sector. Now, things are changing.

We’re big fans of open APIs – they bring much-needed transparency to the banking industry and are a catalyst for better services. And while PSD2 will usher in an era of open APIs, it does so in a whisper – offering only payment data and thus an incomplete picture of a customer’s full financial life. The future is open APIs that make all data available – and create a foundation for anyone to build services that result in better financial choices for us all.

Tink conversed, connected and listened at this year’s Amsterdam conference. And here’s what we learned about the major leaps the banking industry is taking in this era of open banking.

With the introduction of PSD2 (the second Payment Services Directive), we are now entering a new era of open banking. At the customer’s request, EU member states will be forced to open up their customer data and payments infrastructure to third-party providers.

Until now, banks have occupied a privileged space. They have operated in a market that has handed them a monopoly over their customers’ data and discouraged competition and innovation. This is about to change as we are entering the era of open banking.

Instead of resisting, banks should embrace the opportunity to embrace the spirit of PSD2. First mover advantage is huge.

Anyone who thinks that a mobile banking app is simply a place where people interact with their own bank should think again. Banking is becoming a concierge service, providing consumers with an overview of all their finances, regardless of who they ‘bank’ with in the traditional sense.