Optimising open banking experiences for mobile apps

4 min read|Published March 29, 2023
Optimising open banking experiences for mobile apps

Delivering open banking experiences on mobile can be a challenge. Mobile user journeys often contain too many steps in the authentication process, adding unnecessary interactions and causing friction for users. With Tink’s product suite now optimised for mobile applications, you can send users seamlessly between apps and make your flows mobile first in no time.

TL;DR – Quick summary
  • Today’s open banking mobile experiences can be clunky – products are often not created with mobile users in mind.

  • That’s why Tink is launching a new optimised experience for mobile apps, offering a more seamless journey for end users.

  • Tink’s customers can now swiftly integrate this solution with their mobile apps for all products across 18 European countries.

TL;DR – Quick summary
  • Today’s open banking mobile experiences can be clunky – products are often not created with mobile users in mind.

  • That’s why Tink is launching a new optimised experience for mobile apps, offering a more seamless journey for end users.

  • Tink’s customers can now swiftly integrate this solution with their mobile apps for all products across 18 European countries.

If you’ve made a payment, checked your transaction history or perhaps applied for a loan via your phone, chances are that you’ve used an open banking service. You may have noticed that you have to leave the original app in order to authenticate yourself with your banking provider. The process typically involves the opening of a web browser, which can slow things down due to longer loading times and waiting screens.

Changing the way mobile app users interact with open banking

This kind of authentication journey is just one example of how open banking hasn’t been optimised for mobile – the experience is clunky, it causes friction and results in an unsatisfactory user experience. The following series of steps might be recognisable to you:

Optimising open banking experiences for mobile apps

Today, we’re waving goodbye to web browsers and saying hello to mobile-optimised products. Mobile app users are now taken through more streamlined flows when being redirected to and from their banking app, skipping unnecessary steps in the authentication process. Built with both iOS and Android platforms in mind, this requires fewer manual actions and results in a much slicker user journey. See for yourself below.

Optimising open banking experiences for mobile apps

To help visualise how the new mobile experience will appear to end users, our team built a demo charity donation app. Here you can see how the user is taken directly from one app to the other, eliminating the need to open web browsers.

INT_Optimising open banking experiences for mobile apps

What does this mean for you?

By adopting this new approach, Tink customers will be even better positioned to achieve market-leading conversion rates. While continuously optimising the authentication process, you’ll enjoy the same benefits as always – from white-label customisability, localisation, and the backing of a data-driven approach to implementing changes that ensure the best results possible. 

Tink users can also expect:

Superior user experiences: authentication journeys are now smoother and shorter. By building experiences specifically for mobile platforms, certain steps in the user journey can be bypassed

Easier integrations and quicker time to market: when offering a mobile app, Tink’s products are now significantly easier to integrate – think hours instead of weeks

Extended product coverage: provide more streamlined mobile experiences in 18 countries across Europe – no matter which Tink product you use  

Reduced operational burden: mobile experiences will be continuously optimised by Tink for the best possible results, so you can focus on what you do best

Ready and waiting for your mobile app


If implementing open banking services in mobile apps seems complex, time consuming and costly, integrating Tink’s new mobile experience can help. From today, you can simply integrate directly into your mobile app. Curious to learn more? Contact your Tink representative to set this up, or reach out to us here

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