BankiFi solutions:
a suite of API driven micro services



BankiFi and its business banking solutions are offered as a managed service that can run either in a private or public cloud. This set of consumable services has been designed so as to store as little data as possible outside the bank environment. BankiFi combines the core strength of the bank – customer relationships and a regulated environment – with the fast, agile development skills of a robust FinTech partner.

This BankiFi proposition knows three winners: the bank which gets new net income and offers its customers a relevant business experience, reduced risk and lower cost of R&D and integration. Second the FinTech community who get an amazing developer experience and avoid the complexity of dealing with consent in their apps and thirdly the empowered customer who has access to relevant services and full data control.



The overall vision for BankiFi is to enable banks to become far more prevalent and meaningful in their customers lives. To be able to do that, banks need to offer more products and services, and not only their own manufactured products, but those of other parties.

Open Banking, the PSD2 and GDPR open the door for that to happen, and ultimately to be meaningful it is likely that banks will have to offer non-financial products as well as financial products.  Particularly business and corporate customers are a segment under pressure, having been dealt with poorly in the aftermath of 2008, as well as a potentially very profitable and therefore competitive client group.

BankiFi has identified a gap in the market within business banking. Pocket Treasurer combines aspects of cash management with lending and pushes advice out to customers on the best way to manage and optimize their working capital. The solution allows the bank that operates the Pocket Treasurer service to become the trusted advisor for their business customers. Furthermore, in Europe as a result of PSD2, the bank that operates the Pocket Treasurer service can service its customers in a multi-bank setting and does not even need to have a banking relationship with the business customer user. All they need is the consent under the PSD2 to get access to their account(s) and transaction data and to make payments on their behalf.