Instant access to financial data that drives innovation

Offer personalised experiences and create smarter products with real-time, accurate, and secure financial data pulled directly from thousands of banks using one simple API.

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The data advantage your business needs

Enhance customer onboarding

Link customer bank accounts to pre-fill forms, reducing errors, minimising drop-off, and improving the entire onboarding journey

Improve model performance

Optimise your credit risk and affordability models using real-time and historic transaction data for more informed, inclusive, and reactive decision-making.

Personalise experiences

Improve customer engagement and conversion with personalised products and services, built using an individual’s own, detailed transaction data.

Reduce operating costs

Replace slow, manual processes by integrating our simple API, reducing operational overheads and increasing efficiency.

Promote financial inclusion

Increase your customer pool and grow your business by using open banking data to create fairer and more inclusive financial services for everyone.

Protect your customers

Keep customer financial data safe with PSD2-compliant APIs and strong customer authentication, dramatically reducing fraud and data leaks.

HOW IT WORKS

Secure and seamless data sharing in just a few clicks

Example: Account aggregation for a personal finance management app.

1.Select "Add account"

In the app, select "Add account" to connect a new bank account.
2.Bank selection

Select the bank you'd like to connect. Choose from a list of over 2000 banks across Europe.
3.Review account access details

A pop-up allows you to review the details before being connected to their bank, ensuring all details are correct.
4.Log into bank app using SCA

You are auto-redirected to your bank app to log in using secure customer authorisation (SCA) such as fingerprint or facial recognition.
5.Confirm account access in bank app

User confirms the payment with their bank, initiating the payment.
6.Your bank account is added

The account access is confirmed. You will be auto-redirected back to the PFM app or website, where you can view your newly connected bank account information.

Data infrastructure built for performance and scale

Unrivalled data coverage

Connect to over 2,000 banks in 19 countries from a single integration, pulling both consumer and business financial data you need to grow.

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Standardised, consistent data

Bank APIs are fragmented and inconsistent. Yapily normalises all financial data from banks, making it consistent, clean, and easy to use.

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Simple, easy implementation

Integrate and get to production faster with clear documentation, ready-made tools, and expert support for a best-in-class developer experience.

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Powering innovation across industries

Accounting and business finance

Match bank statements with real-time transaction data directly from a customer's bank account, saving time and reducing manual errors.

Personal finance management

Enable users to aggregate all their accounts in one place, helping them track spending, set budgets, and plan for the future.

Lending and credit

Accurately assess credit risk and affordability in real-time using real-time transaction data. Make more inclusive decisions and serve a wider range of customers.

Banking and EMI

Support KYC processes and reduce fraud. Create seamless onboarding journeys by using account data to pre-fill application forms.

Explore our Data add-ons

Data Plus

Automatically categorise transactions and enrich data to build accurate profiles, streamline decisions, and deliver more personalised services.

Validate

Instantly confirm customer identity and account ownership to reduce friction in onboarding, support compliance processes and improve fraud monitoring.

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Power your business with real-time access to clean financial data

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