Seamless, Uber-like payments, brought to your bank account

  • Vincent Jansen
  • PSD2Customer CentricityXS2ARTS

Imagine you’re taking an Uber at the airport, get to your destination and while you’re getting out of the Prius … ping… you receive a push notification from your bank that says € 32,78 was debited from your payment account. The full Uber experience, but no cards or wallets needed.


Note to Insurers: silence does NOT imply consent

  • Maarten Bakker Mathijs Helgers
  • APIOpennessCustomer in ControlInsuranceConsent ManagementOpen Insurance

Data and putting the customer in control over his or her data are crucial elements for any platform strategy, especially in an open ecosystem. This interview with experts from INNOPAY gives further insights for insurance companies and how they can execute on their much-needed consent infrastructure.


How banks can solve the “Onboarding Puzzle” in the German market

  • Joris Eckrich Tian Genthner
  • OnboardingBenchmarkDigital identityKYCRetail BankingChallenger

INNOPAY developed a Benchmark that provides banks with essential insights into how to make a good first impression on customers. The first research focused on the Dutch retail banking market, where over the last year all banks made it possible to digitally open a payment account, using innovative solutions. Based on the expertise gained from the dutch series, INNOPAY has enhanced its Benchmark model to reflect the progress observed and to account for the characteristics of the German market.


Sharing transaction risk data leads to Open Banking success

  • Milan Kaihatu Rob van Meijel
  • PSD2Open BankingCybersecurity

The revised Payment Service Directive Regulatory Technical Standards (PSD2 RTS) will require every bank to apply Strong Customer Authentication. This introduces unwanted friction in the process. A solution lies in Transaction Risk Analysis. In this article, we elaborate on three key points that need to happen in order for banks to make TRA more effective under PSD2.


SAP community warming to iSHARE

Data sharing is extremely common among supply chain partners. Every company that uses SAP software is involved in some form of data sharing with customers, suppliers and/or service providers – but how can that be organized smartly and efficiently? Hewlett Packard Enterprise (HPE) recently organized a seminar on ‘Innovation for Digital Transformation’ and invited members of the SAP network to attend. During the seminar Douwe Lycklama, Founding Partner at INNOPAY and iSHARE Lead, held a presentation on the iSHARE Scheme. The scheme enables companies in the transport and logistics industry to share data more easily, more quickly and in a more controlled manner – not only with existing partners, but also with new ones. iSHARE attracted a lot of interest and also generated plenty of questions.


Open Banking and TPPs trigger banks to innovate their corporate onboarding processes

  • Josje Fiolet Esther Groen
  • PSD2Open BankingCorporate Onboarding

PSD2 has been an important catalyst for banks to open up. While many banks in Europe are still focused on making the PSD2 deadline of September 2019, we see some leading banks move beyond compliance and shift towards Open API Banking. In this emerging Open Banking play, banks start to understand that enabling secure access to customer data is the new money, an outstanding customer experience is pivotal, and trust is the primary condition.


Mastering Open Banking: How the ‘Masters in Openness’ create value

  • Mounaim Cortet Art Stevens
  • APIPSD2Open BankingBenchmarkOpennessCustomer in Control
180926B OBM rating graph 2.0

The INNOPAY Open Banking Monitor covers the global state of play in Open Banking. It benchmarks 50+ banks on 4 core Developer Portal capabilities: API Catalogue, API Documentation, Developer Usability and Community Development.


Unlocking opportunities in the API economy

  • Mounaim Cortet
  • PaymentsArticleAPIPSD2Open Banking

Market disruption, client evolution and regulatory change mean that the banking and corporate world is preparing for an API and Open Banking revolution. Making a success of it will require both collaboration and standardisation