Best Open Banking Platforms in Japan

Plaid is an international data network that powers tools used by millions of people to live a more healthy financial life. Our ambition is to facilitate an inclusive, competitive and mutually beneficial financial systems by simplifying payments and revolutionizing lending. Plaid works with more than 8,000 companies, including fintechs such as Venmo and SoFi and several Fortune 500 companies, to give people more control and choice over how they manage money. Plaid is headquartered in San Francisco and its network spans more than 12,000 institutions throughout the US, Canada UK and Europe.

Finexer is an FCA-regulated, API-focused platform that is transforming the way small and medium-sized businesses (SMBs) interact with and leverage financial data. By integrating seamlessly with all banks in the UK, Finexer provides real-time insights and facilitates Pay-By-Bank transactions via an intuitive dashboard, achieving deployment speeds that are 2-3 times faster than its competitors. The platform boasts a variety of key features, including Data (AISP) and Payments (PISP) APIs: 1. Access to Real-Time Bank Transactions: Businesses can obtain immediate insights into bank transaction data, enhancing their decision-making processes and allowing for personalized user experiences. 2. Balance Insights: Gain critical information regarding customers' income, expenses, and balance trends, enabling the delivery of customized services and targeted marketing offers. 3. Open Banking Payments: The platform supports secure account-to-account payments with instant settlements and automated recurring transactions (currently in Beta), leading to potential cost reductions of up to 90%. With its robust data capabilities, customizable white-label solutions, and security that complies with PSD2 regulations, Finexer equips businesses to streamline operations, boost revenue, and enrich customer experiences, ultimately positioning them for future growth and success.

GoCardless is the UK's most trusted online direct debit provider. It makes it easy to process recurring and one-off payments. GoCardless is cost-effective and secure. It offers an easy migration process and transparent fees. The platform has pre-built integrations to leading accounting, membership, and subscription software such as Quickbooks, Sage Sage, Zuora and Online Scout Manager.

Experience a global cryptocurrency payment solution that is not only straightforward but also robust and easy to implement. Enhance your revenue and combat fraud with a customizable on-and-off-ramp that creates smooth experiences for users worldwide. MoonPay serves as the backbone for leading cryptocurrency wallets, apps, and websites by providing a comprehensive payment solution. Customers can conveniently make instant bank transfers through Open Banking in the UK and EU, with ACH support on the horizon. Our user-friendly KYC process simplifies the onboarding experience, allowing you to expand your user base while addressing the critical issues that often cause customer drop-off. The innovative pass-through KYC feature ensures that your existing data is seamlessly integrated, preventing customers from needing to verify their identities multiple times. With extensive testing across numerous integrations, we have compiled all the necessary resources to facilitate a quick and easy payment acceptance setup. This way, you can focus on what matters most—growing your business and serving your customers effectively.

Thirdfort integrates document scanning, facial recognition, and Open Banking technology to facilitate online identity verification and anti-money laundering checks, ensuring a seamless user experience. This innovative approach enhances security and efficiency in the verification process.

Trovata offers modern treasury software that allows users to onboard in just minutes without any need for IT support or lengthy implementation processes. Utilizing open banking and ERP integrations, Trovata automates the aggregation, normalization, and analysis of financial data, enabling real-time reporting on cash positions and trends. With pre-integrations for most banks, users can connect swiftly and maintain constant updates without the hassle of downloading .CSV files from banking websites. As an open banking platform, Trovata empowers businesses to instantly assess their cash levels, forecast efficiently, and manage cash flow with accuracy. Traditionally, 75% of the effort involved in cash analysis consists of manually compiling data and updating Excel models, which can be time-consuming and error-prone. By adopting Trovata.io, companies can eliminate these tedious manual workflows and significantly improve their financial management processes. This innovative approach not only streamlines operations but also enhances overall decision-making by providing a clearer picture of cash availability.

Gravitee.io, the most cost-effective, performant, and cost-effective Open Source API Platform, allows your organization to securely publish, analyze, and secure your APIs. Gravitee.io's OAuth2 OpenID Connect (OIDC), and Financial-grade API(FAPI) certified servers allow you to manage your identities. Gravitee.io APIM allows you to control precisely who, when, and how your APIs are accessed by your organization. It is lightweight, flexible, and lightning-fast. Gravitee.io allows you to manage, monitor, deploy, and secure your APIs with strong governance features like API review and API quality. Your API consumers can fully engage with your business through a Gravitee.io portal. This will ensure high quality engagement in the digital age.

Enhance the efficiency and quality of application integration through the use of AI and automation. IBM® App Connect provides seamless connectivity between applications and data, bridging both legacy systems and contemporary technologies in diverse environments. With features like enterprise service bus (ESB) and agile integration architecture (AIA), businesses can deploy integration artifacts as microservices, enabling a variety of adaptable integration patterns. The synergy between integration and AI fosters a user-friendly experience, significantly simplifying online insurance claims for customers while improving their accuracy. As open banking APIs gain traction worldwide, they pave the way for an open data economy that empowers users and sparks innovation. Additionally, the concept of a continuum of care encompasses a fully integrated system designed to guide and monitor patients over time, offering a wide range of health services that cater to varying levels of care intensity. This holistic approach not only improves patient outcomes but also enhances overall healthcare efficiency.

INXY Tracker effortlessly identifies all your subscriptions by analyzing your transactions, presenting them in a user-friendly dashboard. Are you aware of your annual spending on subscriptions? Discover this information and begin cutting costs on unused services. The dashboard provides a comprehensive view of all your subscriptions, including expenses, expiration dates, and renewal alerts. Identify subscriptions you no longer utilize and cancel them to enhance your financial health! Receive notifications through popular messaging platforms to ensure you never overlook a renewal that could impact your budget. Stay on top of the services you genuinely need while eliminating unnecessary expenses. Additionally, INXY facilitates account sharing, allowing you to collaborate on subscription management with family and friends. You can easily provide access to edit your subscription lists and keep everyone informed. With open banking integration, INXY automatically detects your subscriptions, ensuring you are always aware of what and how much you are paying for. This tool empowers users to take control of their finances and streamline their subscription management effectively.

finAPI serves as a reliable and user-friendly platform that connects businesses, financial institutions, and individual users seamlessly. Our open banking API empowers organizations to retrieve and analyze account information, as well as facilitate payments on behalf of their clients. Additionally, we provide essential support for banks and financial service firms through an XS2A server, which ensures compliance with the PSD2 directive for third-party providers. With its adaptability and flexibility, finAPI is consistently prepared to tackle new challenges. We assist in the development of cutting-edge financial services that bring genuine benefits to both your business and your clientele. By improving data accessibility, we foster innovation and streamline processes significantly. finAPI’s advanced data intelligence modules offer in-depth financial data analysis, including categorization, cash flow insights, risk assessments, and contract identification. The integration of data enrichment, AI, and machine learning techniques guarantees unparalleled data quality and optimal outcomes, paving the way for future advancements in the financial sector. Our commitment to continuous improvement makes finAPI a vital partner in navigating the evolving landscape of finance.

Harness the capabilities of Open Banking to monitor all your financial accounts from a single platform while budgeting effectively in today's digital age. Emma meticulously examines your transactions, providing a comprehensive overview of all your recurring payments across various accounts. It seamlessly tracks and organizes your expenses, offering valuable insights into your spending habits. Additionally, investing represents a powerful opportunity to enhance your savings over an extended period. Discover user-friendly investment tools that are designed with elegance and functionality in mind. Effortlessly transfer funds between different banks, split expenses, or quickly replenish your investment account in just moments. If your friends have forgotten to settle their portion of the rent, you can easily send them a reminder with just one tap, ensuring everyone stays on track. With Emma, managing finances and fostering accountability among friends has never been easier.

Setting up your mobile banking solution has never been simpler than with FinCell, a versatile white-label service designed for financial institutions seeking an affordable and customizable mobile banking application. Built on the principles of open banking, FinCell ensures seamless integration with your core systems through the use of open APIs. The platform's commitment to information security and quality management is evidenced by its ISO 27001 and ISO 9001 certifications, ensuring that all essential safety and compliance protocols are firmly in place. Developed by industry experts holding certifications such as CISSP, CDPSE, and CISA, FinCell adheres to the best practices in the sector. You can launch your mobile banking app in just two months, as FinCell provides a range of pre-defined features that expedite your market entry. With a subscription-based pricing model that aligns costs with your customer base, you only pay for what you utilize. Additionally, FinCell is highly scalable, enabling you to enhance revenue, expand your customer base, and minimize churn rates effectively. By choosing FinCell, you are investing in a solution that not only meets your current needs but also adapts to your future growth.

Column is a United States company that was founded in 2021, and produces a software product named Column. Column includes 24/7 live support and online support. Pricing starts at $0.50 per transaction. Regarding deployment requirements, Column is offered as SaaS software. Column includes training through documentation, live online, and in person sessions. Column has a free version. Column is a type of embedded finance software. Some alternatives to Column are Instant Bank Verification, Flinks, and Nordigen.

Expense Once is a comprehensive online platform designed to help businesses simplify, automate, and oversee employee expenses efficiently. A specialized consultant will collaborate with you to ensure the setup and configuration of the solution meets your needs. In addition, we provide ongoing assistance with project management and implementation services as necessary. Our customers enjoy unlimited support at no extra charge for the entire duration of their product usage. Each premium and enterprise client is assigned a dedicated account manager to enhance their experience. Our pricing structure is designed to be competitive, allowing you to utilize our software with minimal financial commitment. You can register an unlimited number of user accounts within the expense management software, and you will only incur costs for active users who have submitted expenses or uploaded receipts. By leveraging open banking, we can seamlessly integrate our services with software you already use, such as Clearspend and Barclaycard, making it easier for you to generate expense reports without added hassle. This integration not only saves you valuable time but also enhances the overall efficiency of managing expenses within your organization.

Before you engage a client or hire someone new, make sure they are who they claim to be. Transform hours of paperwork into minutes and seconds of secure, frictionless online activity. Compare client information with multiple government databases and sources to ensure compliance with anti-money laundering regulations in the UK and EU. To verify the authenticity of documents from more than 195 countries, request document verification using face-match scanning. You can also screen domestic and international politically exposed persons (PEPs), and sanctions lists. There is also the option to monitor your documents over time. Open banking technology, FCA-regulated, allows you to securely verify balances, transactions and payees. Instantly verify your current address and date-of-birth against credit provider and bank records in real time.

TrueLayer stands out as a premier technology firm that offers secure and worldwide access to financial systems. Our APIs empower developers to create top-tier products that can access data and facilitate payments instantaneously and securely. Established in 2016, TrueLayer has partnered with major global banks, is supported by prominent venture capital firms, and is trusted by leading fintech companies like Monzo, Revolut, and Zopa. By democratizing open banking through our platform, TrueLayer allows developers from various sectors — ranging from emerging startups to large enterprises — to transform financial services. Operating in the UK, Europe, and Australia, TrueLayer simplifies the integration of advanced payments and financial data into any application. Create innovative products that resonate with your users, enabling seamless money transfers at competitive rates while ensuring an exceptional user experience. Our solution eliminates the need for cards, minimizes fraud risks, and avoids chargebacks, ensuring a smooth financial transaction process.

Apron serves as the essential ally for small businesses by efficiently managing invoices and ensuring quick payment processes. This allows you to minimize time spent on administrative tasks and refocus your efforts on growing your enterprise. With integrated payment approvals, you can effortlessly choose who to pay with just a few clicks. Funds are transferred straight from your bank account, streamlining the entire payment experience. You can also establish roles and workflows to enhance communication and maintain an uninterrupted flow of payments. Instant reconciliation occurs within your accounting software, leaving you with a sense of completion. Simply register using Xero or QuickBooks, complete a brief three-minute security verification, and make your initial payment. Since any app you use can be a potential vulnerability, Apron centralizes payments to mitigate these risks. By consolidating multiple applications into one, we simplify your financial management. Clients must authorize payments directly through their bank to move any funds, ensuring security at every step. Apron is compatible with all UK banks, with no exceptions, and for those that do not support open banking, clients can still conveniently make payments through bank transfers. This comprehensive approach not only enhances security but also fosters a more efficient payment process for small businesses.

Instantly receive payments directly into your bank account, complete with automatic invoice reconciliation that connects effortlessly to your preferred accounting software. With Crezco, you can send or receive international payments straight from your existing local bank account, eliminating the hassle of setting up virtual IBANs or local wallets. The integration with major accounting platforms ensures a user-friendly account-to-account payment experience. Our API is tailored to simplify processes for your team, allowing customers to send and receive payments immediately. Users can initiate a batch payment with just one authentication step, and each transaction is clearly listed as individual entries on bank statements. Moreover, Crezco can seamlessly integrate and recognize CSV files from widely-used accounting and payroll systems, while also providing the option to manually import files when necessary. This versatility ensures that your financial operations remain efficient and straightforward, catering to various user needs.

With the increase in payment channels, the avenues available for fraudsters have also expanded, raising the potential liabilities for banks significantly. The rise of real-time payments, Open Banking, and digital interactions only serves to escalate these issues further. Conventional anti-fraud measures struggle to effectively thwart payment fraud, as they typically depend on numerous static and reactive rules that are inadequate for identifying emerging fraud patterns and often generate excessive false alarms. By utilizing cutting-edge 3D artificial intelligence (3D AI) technology, the NetGuardians platform, known as NG|Screener, provides real-time surveillance of all bank payment transactions, enhancing fraud detection while minimizing false positives. This advanced system pinpoints suspicious payments linked to social engineering tactics or scams, such as invoice redirection, romance fraud, and CEO impersonation, while also correlating these incidents with indicators of digital banking fraud, including eBanking and mBanking sessions compromised by malware or takeover fraud stemming from identity theft. As the financial landscape continues to evolve, innovative solutions like NG|Screener are essential for safeguarding banks and their customers against increasingly sophisticated fraud threats.

AI seamlessly converts bank feeds into accurate accounting with a remarkable 95% precision, as recognized by Forbes' AI benchmark. This system is fully automated and can be tailored to suit individual client needs, resulting in usage rates that are tenfold compared to traditional banking platforms. An impressive 85% of users access their accounts monthly, showcasing the platform's effectiveness. The rise of open banking, driven by neobanks such as Google, Intuit, PayPal, and Square, poses fresh challenges to your business banking revenue streams, affecting areas like deposits, loans, and payments. To enhance your net banking revenue, leverage real-time cross-selling opportunities and maximize the potential of your existing small business clientele through Smart Advices™ powered by OneUp. The OneUp platform is built on an API framework to guarantee quick integration while providing the necessary customization and adaptability for your initiatives. It effectively presents income, expenses, and overall profitability for specified periods in chosen currencies, thanks to the data processing capabilities of OneUp AI, which translates bank feeds into precise accounting entries. This innovative approach not only streamlines financial management but also empowers businesses to make informed decisions based on real-time data.

PM1 is employed by numerous leading private wealth management banks worldwide to oversee assets on an international level, utilizing various booking centers. Its fundamental advantages stem from PM1's provision of the most extensive features available in the front-/mid-office software category, which facilitates complete life-cycle management within the private banking sector. This encompasses everything from comprehensive client regulatory compliance to consolidated reporting across multiple booking centers, all while delivering an exceptional user experience. PM1 stands out as the sole software solution capable of fulfilling the expectations of contemporary banks that seek a blend of digital excellence and personalized service. Additionally, recognizing that no software operates in a vacuum, PM1 boasts top-tier interfacing capabilities that allow seamless integration with essential banking systems, order execution platforms, and a wide range of commonly employed applications. Furthermore, hosting solutions are flexible, offering options that include on-premise installations, the PM1 Cloud, and collaboration with the Finstar Open Banking platform for enhanced accessibility and performance. Ultimately, PM1 not only meets but exceeds the multifaceted needs of the modern financial landscape.

We help you unlock the potential of Open Banking by connecting to over 3500 European banks across 21 countries. This API will also allow you to advance your business. Worldline's open banking capabilities are industry-leading and include everything from Account to Account (A2A), to IBAN checks, credit scoring and business financial management.

Regulated companies leverage NorthRow to streamline their onboarding procedures while enhancing the efficiency of Client Due Diligence processes. Our client onboarding solutions are designed to not only elevate customer experience but also fulfill compliance obligations. By consistently monitoring updates in customer profiles, businesses can proactively address their regulatory risks. Our API-driven solution facilitates the effective remediation of existing customer portfolios, ensuring adherence to compliance standards. Compliance transcends mere checkbox exercises; making prompt and informed decisions regarding customers is essential for success. NorthRow’s SaaS platform empowers clients to access diverse data sets, enabling them to make smart choices about transactions and partnerships. Additionally, Open Banking represents a secure method for customers and small businesses to gain control over their financial information. Open Banking partnered with NorthRow to optimize its onboarding processes, recognizing our commitment to the secure management of customer financial data while setting industry benchmarks. Embracing these innovative solutions can significantly enhance operational efficiency and customer satisfaction.

The implementation of the PSD2 Directive on January 13, 2018, marked a pivotal moment in the digital evolution of the banking sector. This transformation affects the entire payments ecosystem, encompassing both banks and entities classified as banking service providers. A new landscape has emerged in which Third Party Providers (TPPs) are allowed to access account data and facilitate payments, contingent upon explicit consent from users, known as Payment Service Users (PSU). If you are a TPP or aspiring to become one, and you wish to integrate with our API platform, please check our “Get started” section for detailed guidance. Our platform represents the future of digital payments. The WWS Open API is designed to harness the opportunities presented by Open Banking and PSD2 regulations. Additionally, the WWS Open API sandbox offers TPPs a space to test functionalities available on the platform through sandbox APIs, ensuring they can innovate and refine their services effectively. This collaborative environment fosters innovation and encourages the development of new financial solutions.

We provide the necessary technologies and services, drawing on our vast experience in the design, implementation, and management of large-scale loyalty programs, including merchant-funded initiatives worldwide. Our services and technology are offered in a modular format tailored to align with your specific business goals and budget constraints. With a collaborative approach, we provide fully outsourced solutions that allow you to entrust every aspect to us, while also supporting clients who prefer to leverage our top-tier technology, concepts, or expertise while managing their programs with their own internal resources—ultimately, the decision is yours, and we will adapt accordingly. Our SaaS platform is both modular and scalable, offering a comprehensive end-to-end solution for merchant-funded programs that requires no IT projects to implement, allowing it to function as a standalone solution. Should you need it, our platform easily integrates with your existing systems, and it is certified PCI DSS level 1 and compliant with GDPR's "store on soil" requirements. Additionally, our system offers real-time integration with major payment networks like Visa, American Express, and Mastercard, and is also certified for open banking, ensuring a seamless experience for your customers. This flexibility enables businesses to choose how they want to engage with our services while benefiting from cutting-edge technology and support.