Use cases

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 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.

Ebbel is shaking up the credit card market with a matchmaking service that couples customers with the right card for their needs - and it’s proving to be more than just sweet talk. On average its users are already saving 3,400 SEK (about €320) a year. This is how.

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.

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.

Quick and seamless onboarding is a way to gain an edge in today’s cutthroat fintech landscape. After using autofill, our partners Avanza and Qliro managed to reduce friction and boost conversion rates – in vastly different onboarding scenarios. The solution can also be applied beyond financial services, whenever filling in bank account or ID information can help customers save time.

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. 

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

We talk to NatWest Retail Bank’s Chief Digital Information Officer, Wendy Redshaw, about what it takes to build the UK’s leading digital banking service – and how its customers are reaping the benefits.

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.

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.

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.

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.

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.

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.

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

Sustainability is an important part of our lives. Tackling climate change and building a service that allows consumers to easily view, track, and reduce their climate impact is exactly what Qliro and Deedster set out to accomplish. Here's how they're using open banking to do it.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.