Tink blog

If you’re in the mood for some reading, you found the right place. Dive right into our latest stories, or explore the topics you’re most interested in.

Closing the data gap for affordability assessment
2022-12-06 · 3 min read
Closing the data gap for affordability assessment

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.

Open banking
The European Payments Council’s first SEPA Payment Account Access (SPAA) rulebook – the Tink take
2022-12-02 · 4 min read
The European Payments Council’s first SEPA Payment Account Access (SPAA) rulebook – the Tink take

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.

Tink news
How VRP is sweeping money management into a new era
2022-11-30 · 9 min read
How VRP is sweeping money management into a new era

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

Open banking
How Money Manager helps you boost customer loyalty
2022-11-28 · 6 min read
How Money Manager helps you boost customer loyalty

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

Product
Enabling smoother direct debits with balance check
2022-11-24 · 5 min read
Enabling smoother direct debits with balance check

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

Product
Instant refunds and withdrawals have arrived
2022-11-23 · 5 min read
Instant refunds and withdrawals are here

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

Product
How to achieve the best possible Pay by Bank conversion rate
2022-11-21 · 12 min read
How to achieve the best possible Pay by Bank conversion rate

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. 

Open banking
Image showing hands holding a phone and a coffee cup
2022-11-17 · 2 min read
Open banking solutions to meet digital-savvy customer expectations

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.

Open banking
How open banking is reducing risk and powering more inclusive lending
2022-11-04 · 2 min read
How open banking is reducing risk and powering more inclusive lending

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.

Open banking
Introducing Tink’s Variable Recurring Payments beta programme
2022-11-02 · 5 min read
Introducing Tink’s Variable Recurring Payments beta programme

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.

Open banking
What’s a good Pay by Bank conversion rate?
2022-11-01 · 8 min read
What’s a good Pay by Bank conversion rate?

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.

Open banking
Consumer lending in times of uncertainty
2022-10-31 · 7 min read
Consumer lending in times of uncertainty

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

Open banking
The European Commission’s Instant Payments proposal – the Tink take
2022-10-28 · 3 min read
The European Commission’s Instant Payments proposal – the Tink take

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

Open banking
Investment platforms: what to look for in an open banking partner
2022-10-27 · 8 min read
Investment platforms: what to look for in an open banking partner

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

Open banking
Sambla partners with Tink for a more inclusive lending process
2022-10-26 · 3 min read
Sambla partners with Tink for a more inclusive lending process

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

Tink news
Webinar - lending unlocked - a new era of credit
2022-10-24 · 1 min read
Unlocking a new era of credit

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.

Open banking
Man on public transport looking at phone
2022-10-21 · 5 min read
How to create a digital-first invoice payment experience with ease

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.

Open banking
Tink and Zervant partner for faster invoice payments
2022-10-14 · 3 min read
Tink and Zervant partner for faster invoice payments

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

Tink news
Instantly verify income with Income Check – now with new features
2022-10-13 · 4 min read
Instantly verify income with Income Check – now with new features

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.

Product
The solutions that are transforming the payments landscape
2022-10-12 · 2 min read
The solutions that are transforming the payments landscape

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

Open banking
How evolving digital expectations are creating new opportunities for banks
2022-10-11 · 5 min read
How evolving digital expectations are creating new opportunities for banks

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

Product
How telco and utility companies are using open banking to navigate economic uncertainty
2022-10-06 · 5 min read
How telco and utility companies are using open banking to navigate economic uncertainty

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.

Open banking
Tink and Adyen partner for open banking payments
2022-10-05 · 3 min read
Tink and Adyen partner for open banking payments

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.

Tink news
The key to unlocking fairer and more responsible lending
2022-09-29 · 5 min read
The key to unlocking fairer and more responsible lending

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. 

Open banking
The truth about Variable Recurring Payments: current status, use cases, and future prospects
2022-09-22 · 10 min read
The truth about Variable Recurring Payments: current status, use cases, and future prospects

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.

Open banking
Under the hood: building a new Tink product
2022-09-15 · 4 min read
Under the hood: building a new Tink product

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.

Product
Blog cover
2022-09-07 · 2 min read
Affordability solutions that are leading the way in lending

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.

Open banking
SlimPay parters with Tink
2022-09-06 · 4 min read
SlimPay partners with Tink

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 news
Improved affordability assessments with Expense Check
2022-08-31 · 5 min read
Improved affordability assessments with Expense Check

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.

Product
Billogram and Tink partner to streamline invoice payments
2022-08-25 · 3 min read
Billogram and Tink partner to streamline invoice payments

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

Tink news
The top 3 trends driving open banking payments adoption today
2022-08-24 · 6 min read
The top 3 trends driving open banking payments adoption today

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

Open banking
The key to picking an open banking payments partner: bank coverage
2022-08-18 · 10 min read
The key to picking an open banking payments partner: bank coverage

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.

Open banking
The solutions that will lead to a new world of finance
2022-08-16 · 2 min read
The solutions that will lead to a new world of finance

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

Open banking
Get ready for better digital affordability assessments
2022-08-11 · 2 min read
Get ready for better digital affordability assessments

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

Product
Charlotte Hogg at Money 20/20
2022-08-04 · 5 min read
Charlotte Hogg @ Money2020 – five quotes on the future of open banking

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

Open banking
Man on a sidewalk looking at his phone
2022-07-27 · 6 min read
3 easy ways to turn financial data into value

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

Open banking
28% of self-employed struggle to access financial services
2022-07-21 · 5 min read
28% of self-employed struggle to access financial services

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

Open banking
Tink partners with Solidi
2022-07-18 · 5 min read
Solidi and Tink partner to launch instant account top-ups for crypto investors

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.

Tink news
How open data economies can help tackle the cost of living crisis
2022-07-14 · 4 min read
How open data can help tackle the cost of living crisis

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.

Open banking
Introducing settlement accounts for simpler instant bank payments
2022-07-13 · 6 min read
Settlement accounts

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.

Product
Lessons from taking open banking payments mainstream: an interview with Billy Telidis
2022-07-05 · 11 min read
Lessons from taking open banking payments mainstream: an interview with Billy Telidis

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.

Open banking
How Again is using transaction data to drive change
2022-06-30 · 4 min read
How Again is using transaction data to drive change

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.

Use cases
Dark haired woman paying by credit card on a laptop
2022-06-28 · 12 min read
Debunking the 5 biggest myths about open banking payments

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

Open banking
Webinar - The future of payments is open
2022-06-22 · 1 min read
The next generation of payments

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.

Open banking
What’s the difference between A2A payments and PIS? In short: open banking
2022-06-22 · 7 min read
What’s the difference between A2A payments and PIS? In short: 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. 

Open banking
Why invoices are the perfect use case for open banking payments
2022-06-16 · 7 min read
Why invoices are the perfect use case for open banking payments

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.

Use cases
Revolut and Tink partner for European payments
2022-06-07 · 2 min read
Revolut and Tink partner for European payments

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.

Tink news
The regulatory requirements in store for lenders – and how open banking can help
2022-06-02 · 6 min read
The regulatory requirements in store for lenders – and how open banking can help

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.

Open banking
A new generation of payments is taking shape – powered by open banking
2022-05-31 · 4 min read
A new generation of payments is taking shape – powered by open banking

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.

Open banking
Dark haired woman looking at phone
2022-05-24 · 5 min read
How banks can add value for their customers with recurring transactions

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.

Open banking
Webinar - From open banking to open data economies
2022-05-19 · 1 min read
The powerful future of open banking

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.

Open banking
UK consumers expect fast and frictionless payment journeys
2022-05-18 · 5 min read
UK consumers expect fast and frictionless payment journeys

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

Open banking
Build vs buy – a lender’s guide to the pros of partnership
2022-05-17 · 6 min read
Build vs buy – a lender’s guide to the pros of partnership

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
Get to know the tech behind better risk assessments
2022-05-11 · 4 min read
Get to know the tech behind better risk assessments

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.

Open banking
From open banking to open data economies
2022-05-10 · 4 min read
The evolution of the revolution – from open banking to open data economies

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.

Open banking
How open banking makes invoice settlement simpler
2022-05-03 · 4 min read
Invoice settlement: what it is, and how open banking makes it simpler

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.

Open banking
Consumer benefits of using open banking for lending
2022-04-28 · 4 min read
How open banking risk assessments can impact consumers’ lives

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.

Open banking
NatWest wins the Celent Model Bank 2022 Award
2022-04-21 · 6 min read
Behind the scenes of an award-winning open banking partnership

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.

Open banking
A simple way to improve risk decisioning
2022-04-20 · 4 min read
A simple way to improve risk decisioning

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.

Open banking
How Lumify cut their loan application time by half with open banking
2022-04-01 · 3 min read
How Lumify cut their loan application time by half with open banking

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.

Use cases
Young people in the UK call for banks to help them go green
2022-03-31 · 7 min read
Young people in the UK call for banks to help them go green

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.

Open banking
Risk Insights guide cover
2022-03-24 · 18 min read
Lender's guide to improving risk assessments with open banking

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.

Open banking
Are open banking payments really taking off? Here’s how businesses and consumers alike are already reaping the rewards
2022-03-23 · 8 min read
Are open banking payments taking off? How businesses and consumers are already reaping the rewards

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.

Open banking
Business Account Check
2022-03-22 · 4 min read
Verify corporate account ownership in real time with Business Account Check

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.

Product
Tom Pope, Head of Payments and Platforms at Tink
2022-03-17 · 6 min read
Unsure how open banking payments can help your business? We can show you where they’re booming

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.

Open banking
Beyond PIS – different ways payments can benefit from open banking
2022-03-16 · 4 min read
Beyond PIS – different ways payments can benefit from open banking

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.

Open banking
PostNord Strålfors and Tink partnering for payments
2022-03-15 · 3 min read
PostNord Strålfors and Tink partnering for payments

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 news
From Stockholm to Amsterdam - for a flourishing fintech
2022-03-14 · 7 min read
From Stockholm to Amsterdam - for a flourishing fintech

Discover the members of the Amsterdam team - with this interview, we introduce you to David van Damme, Business Development Manager at Tink since October 2021.

How mozzeno used open banking to improve user experience
2022-03-03 · 3 min read
How mozzeno’s sharing economy marketplace is benefitting from open banking

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 and Tink team up to simplify money management
2022-03-01 · 3 min read
An Post and Tink team up to simplify money management for Irish customers

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 news
Introducing customisable logos and desktop layout in Tink Link
2022-02-25 · 4 min read
Introducing customisable logos and desktop layout inside Tink Link

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.

Product
How Findity simplifies expense management with open banking
2022-02-23 · 3 min read
How Findity simplifies expense management with open banking

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.

3 ways open banking can promote sustainability
2022-02-16 · 7 min read
3 ways open banking can promote sustainability

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.

Open banking
Youtility and Tink partnering to simplify subscriptions and sustainability
2022-02-09 · 4 min read
Youtility and Tink partnering to simplify subscriptions and sustainability

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.

Tink news
Introducing a new no-code integration for Tink Link
2022-02-03 · 4 min read
Introducing a new no-code integration for Tink Link

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.

Product
Open banking vs open finance – what’s the difference?
2022-02-02 · 4 min read
Open banking vs open finance – what’s the difference?

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.

Open banking 101
Mobify partners with Tink to create more value for its users
2022-01-27 · 3 min read
Mobify partners with Tink to create more value for its users

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.

Use cases
HomeQ: making renting seamless with instant income verification
2022-01-25 · 4 min read
HomeQ: making renting seamless with instant income verification

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.

Use cases
Tink interview with Mattias Levin, Deputy Head of Unit at the EU Commission
2022-01-20 · 6 min read
Making way for open finance: insights from the EU Commission

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.

Open banking
NatWest, Cogo and Tink: a three-way partnership to boost sustainability
2022-01-19 · 3 min read
NatWest, Cogo and Tink: a three-way partnership to boost sustainability

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.

Use cases
Open banking – predictions for 2022
2022-01-04 · 4 min read
Where is open banking heading? – our predictions for 2022

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
How incumbents can keep a competitive edge as new entrants move into financial services
2021-12-16 · 4 min read
3 tips to keeping a competitive edge as new entrants move into financial services

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.

Open banking
Product analytics inside Tink Console
2021-12-08 · 7 min read
Performance analytics

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.

Product
How ecolytiq is supercharging their sustainable banking solution with Tink
2021-12-02 · 3 min read
How ecolytiq is supercharging their sustainable banking solution with Tink

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.

Use cases
Guide Account Verification
2021-11-25 · 1 min read
Guide to account verification solutions

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.

Product
How UNQUO is helping solopreneurs sort out their finances
2021-11-24 · 4 min read
How UNQUO is helping solopreneurs sort out their finances

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.

Use cases
Report Investments and use cases
2021-11-23 · 2 min read
Open banking investments and use cases

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.

Open banking
Improve risk assessment and application processes with data-driven Risk Insights
2021-11-22 · 6 min read
Improve risk assessment and application processes with data-driven Risk Insights

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.

Product
Open banking investments: are billions in revenue at stake?
2021-11-17 · 3 min read
Open banking investments: are billions in revenue at stake?

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?

Open banking
Why UX is crucial – and how you can improve performance with Tink
2021-11-11 · 5 min read
Why UX is crucial – and how you can improve performance with Tink

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.

Product
The benefits of tapping into business account data with Business Transactions
2021-11-02 · 5 min read
The benefits of tapping into business account data with Business Transactions

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.

Product
SEPA Request-to-Pay: what you need to know about the new scheme
2021-10-28 · 10 min read
SEPA Request-to-Pay: what you need to know about the new scheme

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.

Open banking
3 ways accountancy services can take advantage of open banking
2021-10-26 · 5 min read
3 ways accountancy services can take advantage of open banking

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.

Open banking
How Gimi is promoting financial education for children with open banking
2021-10-19 · 3 min read
How Gimi is promoting financial education for children with open banking

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.

Use cases
Emerging open banking strategies
2021-10-14 · 5 min read
Emerging open banking strategies

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
Open banking use cases beyond financial services
2021-10-12 · 8 min read
Open banking use cases beyond financial services

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.

Open banking
eCollect partners with Tink to streamline receivables management across Europe
2021-10-08 · 3 min read
eCollect partners with Tink to streamline receivables management across Europe

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.

Tink news
Inside Tink: getting top model performance for Income Check
2021-09-30 · 8 min read
Inside Tink: getting top model performance for Income Check

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.

Product
Serrala partners with Tink to offer improved bill payments across Europe
2021-09-23 · 3 min read
Serrala partners with Tink to offer improved bill payments across Europe

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.

Use cases
Blog Bankers embrace the open banking revolution – but expect a long journey ahead
2021-09-21 · 3 min read
Bankers embrace the open banking revolution – but expect a long journey ahead

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.

Open banking
Lemonway and Tink partner to offer smarter digital payments for marketplaces
2021-09-16 · 3 min read
Lemonway and Tink partner to offer smarter digital payments for marketplaces

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.

Use cases
Why is the UK so good at open banking?
2021-09-14 · 5 min read
Why is the UK so good at open banking?

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.

Open banking
How Gokind is combating greenwashing with open banking
2021-09-09 · 4 min read
How Gokind is combating greenwashing with open banking

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.

Use cases
Placons –  a personal financial butler
2021-09-08 · 3 min read
Placons – a personal financial butler

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.

Use cases
New priorities for bankers – and how open banking can help
2021-09-01 · 6 min read
New priorities for bankers – and how open banking can help

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.

Open banking
Inside Tink: changing our approach to outlier detection
2021-08-26 · 8 min read
Inside Tink: changing our approach to outlier detection

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.

Product
How epap is using transactional data for sustainable finances
2021-08-25 · 4 min read
How epap is using transactional data for sustainable finances

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.

Use cases
Guide Why connecting to open banking APIs is not as simple as it seems
2021-08-19 · 5 min read
Why connecting to open banking APIs is not as simple as it seems

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.

Open banking
The UK leads the way in seeing the digital shift caused by Covid as permanent
2021-07-13 · 6 min read
The UK leads the way in seeing the digital shift caused by Covid as permanent

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.

Open banking
How open banking simplifies income verification
2021-07-07 · 4 min read
How open banking simplifies income verification

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.

Open banking
Interview with Poste Italiane
2021-07-01 · 4 min read
Investing in the customer: interview with Poste Italiane

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.

Open banking
Co-founders Daniel Kjellén (CEO) and Fredrik Hedberg (CTO)
2021-06-24 · 4 min read
Tink is joining Visa

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.

Tink news
open banking in the post pandemic world
2021-06-17 · 1 min read
Open banking in the post-pandemic world

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.

Open banking
Tink and Novalnet enter European partnership for real-time merchant payments
2021-06-17 · 3 min read
Tink and Novalnet enter European partnership for real-time merchant payments

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 news
What is a payment account according to PSD2?
2021-06-16 · 5 min read
What is a payment account according to PSD2?

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…

Open banking
Banking executives see an irreversible digital shift caused by Covid
2021-06-15 · 4 min read
Banking executives see an irreversible digital shift caused by Covid

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.

Open banking
3 ways lenders can take advantage of open banking
2021-06-01 · 6 min read
3 ways lenders can take advantage of 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.

Open banking
Tink and Wealthify partner for open banking payments
2021-05-26 · 3 min read
Tink and Wealthify partner for open banking payments

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.

Tink news
How Sigmastocks optimised their onboarding in less than 4 weeks
2021-05-19 · 6 min read
How Sigmastocks optimised their onboarding in less than 4 weeks

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

Use cases
Tink acquires leading German open banking tech provider FinTecSystems
2021-05-18 · 3 min read
Tink acquires leading German open banking tech provider FinTecSystems

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.

Tink news
Open banking glossary: the ABCs of PSD2
2021-05-12 · 7 min read
Open banking glossary: the ABCs of PSD2

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.

Open banking
Tink and American Express launch open banking partnership
2021-05-11 · 2 min read
Tink and American Express launch open banking partnership

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.

Tink news
Lydia launching in Portugal
2021-05-07 · 2 min read
Lydia expands across Europe with Tink – launching in Portugal

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.

Tink news
Instantly verify customers’ income with Income Check
2021-05-06 · 5 min read
Instantly verify customers’ income with Income Check

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.

Product
Tink and Tribe partner for open banking payments
2021-05-05 · 4 min read
Tink and Tribe partner for open banking payments

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.

Tink news
All about Variable Recurring Payments, and how they can accelerate innovation
2021-04-29 · 10 min read
All about Variable Recurring Payments, and how they can accelerate innovation

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.

Open banking
Why Tink picks Poland for its biggest ever engineering expansion
2021-04-28 · 4 min read
Why Tink picks Poland for its biggest ever engineering expansion

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.

Tink news
Inspiration from some of the (10,000+) developers on the Tink platform
2021-04-27 · 7 min read
Inspiration from some of the (10,000+) developers on the Tink platform

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.

Tink news
What is SCA, and what is it good for?
2021-04-13 · 4 min read
What is SCA, and what is it good for?

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
How open banking is a game changer for sustainability
2021-04-01 · 6 min read
How open banking is a game changer for sustainability

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.

Open banking
MiTrust partnering with Tink to optimising onboarding
2021-03-25 · 5 min read
How MiTrust is reusing consumers’ verified online data to optimise onboarding

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.

Use cases
How you can extract the real value from financial data using Transactions
2021-03-23 · 6 min read
How you can extract the real value from financial data using Transactions

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.

Product
Bulb
2021-03-18 · 3 min read
Tink named a Leader by independent research firm in open banking vendor evaluation

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.

Tink news
Guide Money Manager Guide to improving the digital banking experience
2021-03-03 · 1 min read
Guide to improving the digital banking experience

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.

Open banking
What the EBA putting its foot down on PSD2 API obstacles really means
2021-03-02 · 7 min read
What the EBA putting its foot down on PSD2 API obstacles really means

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.

Open banking
How Northmill is using Tink
2021-02-25 · 3 min read
How Northmill is using Tink to streamline banking

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.

Use cases
Account Check Webinar
2021-02-25 · 1 min read
Start verifying accounts in less than 12 minutes

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.

Product
Enel X interview
2021-02-24 · 7 min read
Bringing new energy into financial services: interview with Enel X

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.

Open banking
What is account verification, and what is it good for?
2021-01-27 · 3 min read
What is account verification, and what is it good for?

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.

Open banking
How papernest is removing the pain of paperwork using open banking
2021-01-22 · 5 min read
How papernest is removing the pain of paperwork using open banking

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.

Use cases
AccountsIQ partners with Tink to streamline financial reporting
2021-01-20 · 3 min read
AccountsIQ partners with Tink to streamline financial reporting

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.

Use cases
How Italian banking giant BNL is taking multi banking to the masses
2021-01-14 · 2 min read
How Italian banking giant BNL is taking multi banking to the masses

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.

Tink news
Why the entrant vs incumbent story never added up
2021-01-06 · 6 min read
Why the entrant vs incumbent story never added up

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.

Open banking
3 steps to taking advantage of open banking
2020-12-22 · 3 min read
3 steps to taking advantage of open banking

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.

Open banking
Dyme partners with Tink to scale subscription management across Europe
2020-12-18 · 5 min read
Dyme partners with Tink to scale subscription management across Europe

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.

Use cases
Taking advantage of open banking webinar
2020-12-16 · 1 min read
Taking advantage of open banking

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.

Open banking
Tink closes €85 million investment round extension to fuel growth
2020-12-11 · 4 min read
Tink closes €85 million investment round extension to fuel growth

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.

Tink news
Webinar Taking advantage of open banking
2020-12-11 · 1 min read
Taking advantage of open banking

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.

Open banking
Greenly: Reducing carbon footprint one bank account at a time
2020-12-08 · 7 min read
Greenly: Reducing carbon footprint one bank account at a time

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.

Use cases
Are banks aligned internally to take advantage of open banking
2020-12-02 · 4 min read
Are banks internally aligned on open banking?

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.

Open banking
How Avy is simplifying rental payments
2020-12-01 · 4 min read
How Avy is simplifying rental payments

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.

Use cases
How NatWest built the UK’s leading Spending feature
2020-11-26 · 10 min read
How NatWest built the UK’s leading Spending feature

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.

Use cases
How Tjommi is putting price match refunds on autopilot
2020-11-25 · 4 min read
How Tjommi is putting price match refunds on autopilot

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.

Use cases
Use cases across Europe
2020-11-12 · 3 min read
Discover the leading open banking use cases – per country

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.

Open banking
Tink and Eurobits become one
2020-11-04 · 2 min read
Tink and Eurobits Technologies become one

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.

Tink news
Instantly verify customers’ account information with Account Check
2020-11-04 · 5 min read
Instantly verify customers’ account information with Account Check

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.

What are open banking APIs, and what are they good for?
2020-10-30 · 2 min read
What are open banking APIs, and what are they good for?

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.

Open banking
Startup stories
2020-10-22 · 5 min read
Introducing ‘Startup stories’ – and reminiscing on Tink’s own journey

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.

Tink news
What is multi-banking, and what is it good for?
2020-10-21 · 3 min read
What is multi-banking, and what is it good for?

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.

Open banking
How Anyfin is leveraging tech to create financial well-being
2020-10-20 · 4 min read
How Anyfin is leveraging tech to create financial well-being

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.

Use cases
What is open banking, and what is it good for?
2020-10-15 · 4 min read
What is open banking, and what is it good for?

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.

Open banking
Tink app
2020-10-13 · 4 min read
Saying goodbye to Tink’s Swedish consumer app

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.

Tink news
Lydia and Tink partner for open banking
2020-10-08 · 2 min read
Lydia and Tink partner for open banking

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.

Tink news
3 tips for staying ahead of the curve in the open banking shift
2020-10-07 · 3 min read
3 tips for staying ahead of the curve in the open banking shift

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.

Open banking
What is payment initiation, and what is it good for?
2020-10-01 · 2 min read
What is payment initiation, and what is it good for?

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.

Open banking
Insights from Michael Anseeuw: a first mover in open banking
2020-09-25 · 5 min read
Insights from Michael Anseeuw: a first mover in open banking

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.

Open banking
Enel X picks Tink as its open banking partner
2020-09-24 · 2 min read
Enel X picks Tink as its open banking partner

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.

Tink news
Enel X picks Tink as its open banking partner
2020-09-24 · 2 min read
Enel X sceglie Tink come suo partner per l’open banking

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.

News
The use cases driving open banking opportunities
2020-09-23 · 1 min read
What’s driving open banking investments?

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.

Open banking
Tink and Openwrks
2020-09-21 · 2 min read
Tink acquires OpenWrks’ aggregation platform

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.

Tink news
Driftio: unlocking the value of sharing financial data
2020-09-17 · 6 min read
Driftio: unlocking the value of sharing financial data

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.

Use cases
5 open banking use cases European bankers are most investing in
2020-09-16 · 4 min read
5 open banking use cases European bankers are most investing in

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.

Open banking
A year after the PSD2 deadline we explore the progress made and where work still needs to be done.
2020-09-15 · 7 min read
Where are we a year on from PSD2?

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.

Open banking
GoScore
2020-08-25 · 3 min read
How sprovid is helping furloughed tenants get discounts on rent

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.

Use cases
Data enrichment explained
2020-08-19 · 3 min read
What is data enrichment, and what is it good for?

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.

Open banking
3 ways open banking can boost financial inclusion
2020-08-11 · 7 min read
3 ways open banking can boost financial inclusion

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.

Open banking
account aggregation explained
2020-07-29 · 4 min read
What is account aggregation, and what is it good for?

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.

Open banking
Open banking investment in your country
2020-07-23 · 5 min read
How open banking investment is hotting up — in your country

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.

Open banking
Tink acquires Instantor
2020-07-16 · 3 min read
Tink acquires Instantor

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.

Tink news
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.
2020-07-15 · 5 min read
What is PFM, and what is it good for?

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.

Open banking
Enabling anyone to scale-up in Europe | Tink blog
2020-07-14 · 4 min read
How open banking tech lets anyone scale-up across Europe

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.

Open banking
How Alpcot is making investments fairer and simpler
2020-07-02 · 5 min read
How Alpcot is making investments fairer and simpler with open banking

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.

Use cases
Sopra and Tink form partnership
2020-07-01 · 3 min read
Sopra Banking Software becomes Tink's channel partner

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.

Tink news
What's the EBA Opinion on obstacles for PSD2 APIs?
2020-06-25 · 6 min read
PSD2 APIs: what the EBA Opinion on obstacles really means

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.

Open banking
Build with Tink #1 - Replay
2020-06-21 · 1 min read
Get up and running with Tink

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

Product
Open banking: from compliance challenge to commercial opportunity
2020-06-16 · 3 min read
Open banking: from compliance challenge to commercial opportunity

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.

Open banking
Opti and Tink use case
2020-06-09 · 6 min read
Investments made equal

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.

Use cases
PayPal and Tink partnership
2020-06-03 · 2 min read
PayPal and Tink expand partnership across Europe

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.

Tink news
The open banking investment boom across Europe
2020-05-27 · 3 min read
The open banking investment boom across Europe

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.

Open banking
Tink Out Loud #2 - Investments and returns of open banking
2020-05-27 · 1 min read
The investments and returns of open banking

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.

Open banking
Tradera and Tink partner to simplify onboarding and payouts
2020-05-25 · 3 min read
Tradera and Tink partner to simplify onboarding and payouts

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.

Use cases
Why European banks are investing in open banking
2020-05-20 · 3 min read
Why European banks are investing in open banking

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?

Open banking
4 ways to reap the rewards of open banking
2020-05-14 · 7 min read
4 ways to reap the rewards of open banking

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.

Open banking
Nordea partnering with Tink
2020-05-14 · 3 min read
How Nordea is improving its digital banking experience

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

Tink news
Tink in the DACH region
2020-05-12 · 5 min read
Taking open banking up a notch in the DACH region

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.

Tink news
PFM on the Tink Console
2020-04-30 · 4 min read
DIY PFM: personal finance management now available on the Tink Console

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.

Product
Background refresh - Tink
2020-04-29 · 4 min read
Background refresh: the secret weapon behind powerful financial apps

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.

Product
Datia app - built with Tink
2020-04-28 · 5 min read
How Datia self-built with Tink to make investments transparent

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.

Use cases
The growing positivity towards open banking in Europe
2020-04-23 · 4 min read
The growing positivity towards open banking in Europe

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.

Open banking
Open banking attitudes & fintech partnerships
2020-04-20 · 1 min read
Open banking attitudes & fintech partnerships

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.

Open banking
Actionable insights #3
2020-04-15 · 5 min read
How the tech behind actionable insights is changing financial advice

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.

Kivra
2020-04-14 · 3 min read
Kivra and Tink partner up to provide a more user-friendly way to pay bills and invoices

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.

Tink news
A person drinking coffee
2020-04-09 · 5 min read
Why open banking relies on trust – and the 4 keys to building it

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.

Open banking
2 lightbulbs
2020-04-08 · 7 min read
4 ways actionable insights will benefit your business

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.

Open banking
Popcorn smartphone
2020-04-03 · 3 min read
How Goloyal is creating more customer value in the retail space

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

Use cases
Lightbulb illustration
2020-03-31 · 5 min read
Actionable insights: your customers' personal finance coach

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.

Product
Tink acquires Eurobits
2020-03-27 · 2 min read
Tink acquires Eurobits Technologies

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.

Tink news
PFM App
2020-03-26 · 6 min read
Build a custom PFM experience – and fast – with Tink’s SDKs

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.

Product
Henry Kupty (left) and Jon Nilsson (right)
2020-03-20 · 7 min read
Talking with Tinkers: how to build the PFM of tomorrow

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.

Product
Pig
2020-03-12 · 4 min read
Lifting the lid on the tech that powers enhanced credit scoring

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.

Product
Evo bank + Tink logos
2020-03-10 · 4 min read
How EVO Banco is improving their mobile offering with multi-banking

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.

Product
Map of the world
2020-02-27 · 2 min read
Keeping track of 2,500+ data sources

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. 

Product
BNP Paribas Fortis App
2020-02-22 · 2 min read
Banking just got a whole lot easier with BNP Paribas Fortis

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.

Use cases
Building a successful bank and fintech partnership: the CGD story
2020-02-13 · 5 min read
Building a successful bank and fintech partnership: the CGD story

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.

Open banking
Build with Tink 4
2020-01-30 · 6 min read
Using Tink Link to easily connect end users to their banks

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.

Product
France map
2020-01-27 · 2 min read
Expanding the Tink platform into France

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.

Product
Tink UK
2020-01-24 · 5 min read
The power of one: personalisation for the masses

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.

Open banking
BNP Paribas office
2020-01-23 · 2 min read
Tink becomes BNP Paribas’ preferred tech partner in Europe

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.   

Tink news
Svalna footprint calculator
2020-01-21 · 3 min read
Svalna is creating a more conscious society – one user at a time

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 app
2020-01-16 · 2 min read
Zmarta’s quest to give people the best mortgage in minutes

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.

Use cases
People working
2020-01-14 · 4 min read
3 strategies for getting the most out of your data

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.

Open banking
Ebbel app
2020-01-08 · 2 min read
Ebbel: a matchmaker based on the smart use of financial data

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.

Use cases
Leda Glyptis interview
2019-12-31 · 1 min read
Lessons with Leda: Why bank and fintech partnerships need to go deeper

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.

Open banking
Build with Tink 2
2019-12-19 · 7 min read
Build your first app on the Tink Console

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.

Product
Tink logo
2019-12-18 · 2 min read
What Tink’s 2019 journey reveals about this year in open banking

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.

Open banking
Beatriz Gimenez
2019-12-17 · 7 min read
Why our new Spanish country manager is betting on Tink

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.

Tink news
Build with Tink
2019-12-11 · 5 min read
Tink Console: your command centre for building and launching data-driven services

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.

Product
Italy and Portugal maps
2019-12-05 · 5 min read
Launching our platform in Italy and Portugal – with instant access to 40 million consumers

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.

Product
Portugal map
2019-12-05 · 2 min read
Tink enters Portugal – opening the data floodgates to 20 banks

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.

Product
UK streets
2019-12-03 · 6 min read
The ‘big UK opportunity’ – as seen by our new country lead

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 App
2019-11-28 · 2 min read
How ABN AMRO turned its PFM app bank-agnostic

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.

Use cases
Slush event 2019 - Helsinki
2019-11-27 · 8 min read
3 key takeaways from Europe's biggest tech fest Slush

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. 

Tink news
Window
2019-11-22 · 6 min read
Hoe dragen we bij aan het succes van PSD2?

Lang voor de inwerkingtreding van de PSD2-richtlijnen hebben we op Europees niveau gepleit voor veranderingen, omdat we een toekomst zien waarin de financiële dienstensector een grote stap voorwaarts zal zetten.

Office
2019-11-19 · 8 min read
Two months after the final PSD2 deadline: where are we with the APIs?

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. 

Open banking
Build with tink
2019-11-13 · 6 min read
Build with Tink: how everyone can use financial data to build better services

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. 

Product
Simplify onboarding 2
2019-11-07 · 4 min read
How our technology enables simpler onboarding

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.

Product
Simplify onboarding
2019-10-31 · 3 min read
One simple way to improve your onboarding

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.

Product
Flowers
2019-10-30 · 5 min read
How financial data is powering a new generation of ideas

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.

Open banking
Denmark
2019-10-24 · 1 min read
Embracing the hygge lifestyle in our new Danish office

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

Tink news
Tink office
2019-10-17 · 7 min read
How we’re helping to make PSD2 successful from the inside out

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.

Open banking
Family
2019-10-15 · 6 min read
5 tips for launching a bank and fintech partnership

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.

Open banking
Moank app screens
2019-10-09 · 3 min read
Moank: on a mission to transform lending

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.

Use cases
Tink employees
2019-10-09 · 3 min read
Joining the customer-obsessed and optimistic Finnish fintech scene

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.

Tink news
Netherlands map
2019-10-09 · 3 min read
The Tink platform goes live in the Netherlands

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. 

Product
Daniel Kjellén
2019-10-08 · 5 min read
3 things that make or break a bank and fintech partnership

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.

Open banking
Building a successful bank and fintech partnership: the CGD story
2019-10-02 · 4 min read
How CGD built a cutting-edge PFM app in 6 months

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.

Use cases
Building
2019-10-01 · 4 min read
Go inside the secret world of bank and fintech partnerships

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).

Open banking
Flowers
2019-09-26 · 5 min read
The opportunity of a century in banking is here

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.

Open banking
UK Open banking report
2019-09-25 · 3 min read
Tink survey: UK bankers see other incumbents as biggest threat

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.

Open banking
German Open banking report cover
2019-09-19 · 3 min read
Tink survey: German bankers’ unique take on open banking

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.

Open banking
Girl under umbrella
2019-09-10 · 8 min read
5 ways customer’s banking expectations are changing

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. 

Open banking
Beach
2019-09-04 · 4 min read
How Njorda is bringing investment management to the masses

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.

Use cases
Using aggregation to make data-driven decisions about customers
2019-08-30 · 3 min read
Using aggregation to make data-driven decisions about customers

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 news
Comic clouds
2019-08-29 · 12 min read
Chris Skinner: the three major mindset changes banks have to go through

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.

Open banking
Engineer screens laptop
2019-08-27 · 6 min read
3 ways big tech are about to disrupt financial services in Europe

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?

Open banking
Office
2019-08-21 · 5 min read
Zero PSD2 APIs are compliant with just weeks left before the deadline

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.

Open banking
ABN AMRO Office
2019-08-19 · 1 min read
How ABN AMRO built the most popular Dutch PFM app

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.

Use cases
How NatWest is using Tink to engage more customers
2019-08-15 · 3 min read
How NatWest is using Tink to engage more customers

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.

Tink news
Tink employees
2019-08-14 · 8 min read
Behind the scenes: the blood, sweat and laughs shared on our way to the PSD2 deadline

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.

Open banking
SBAB App
2019-08-08 · 1 min read
How SBAB got 50,000 Swedes to challenge their mortgage

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.

Use cases
Construction work
2019-08-07 · 12 min read
A one-way path that might kill the customer experience in a post-PSD2 world

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.

Open banking
Comic clouds
2019-07-30 · 4 min read
How partnering for tech allows ABN AMRO to be more productive

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.

Open banking
Tink employees
2019-07-17 · 8 min read
Why every European bank needs to provide a safety net for their PSD2 APIs

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.

Open banking
Man on a bike
2019-07-10 · 3 min read
Top 3 tips for bankers embarking on the open banking journey

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.

Open banking
Barcelona beach
2019-07-04 · 5 min read
Could the poor readiness of bank APIs put the success of PSD2 in jeopardy?

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.

Open banking
A person working at his computer
2019-07-03 · 2 min read
The Tink buyer’s guide to ‘open banking platforms’

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.

Open banking
French office
2019-07-02 · 2 min read
Beyond borders: helping French partners take open banking across Europe

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. 

Tink news