Open finance that becomes a product, not just an integration
From secure consent to payment initiation, we connect you to the open banking ecosystem and turn shared data into credit, offers, and personalized experiences.
The data is available. The value isn't always
Open finance unlocks access to data and payments, but the technical bar is high and the value only shows up when data becomes a product. The gaps we see most:
Consent is a beast to get right
Managing consent, renewal, and revocation within open finance rules — while keeping the user experience smooth — is where many integrations get stuck.
Data that arrives but doesn't become value
Aggregating accounts and transactions from multiple banks is just the start. Without turning that data into decisions and products, it sits idle.
Security and certification
Directory, certificates, mTLS, ecosystem standards: the technical and regulatory bar for open finance is high, and getting it wrong blocks certification.
Payment initiation and journeys
Going beyond data to use payment initiation demands fine orchestration of journey, consent, and settlement.
From consent to offer, data that creates value
We integrate with the open finance ecosystem using the standards we learned shipping data, personalization, and payments in production.
Secure, frictionless consent
Consent, renewal, and revocation flows within ecosystem rules, with an experience the user understands. The trust foundation for everything that comes next.
Data aggregation that becomes a decision
Accounts, transactions, and history from multiple banks aggregated and normalized, ready to feed credit scoring, PFM, and personalization. Shared data that finally generates value.
Personalized products from real data
Offers, credit, and experiences designed from a customer's real financial behavior. That's the kind of data-driven personalization that powered an investment platform with a standout UX.
Payment initiation from the customer's account
Payments initiated directly from the customer's account, with consent and settlement orchestrated. The bridge between shared data and the actual transaction.
Data and products Luby put into production
From data-driven experiences to digital banking, financial products built on real data.
Technologies & partners
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AWSJavaNode.jsPostgreSQLRedisKafkaAWSCommon questions about open finance
Let's turn data into a product
Bring your open finance use case, from consent to payment initiation. You'll leave the conversation with a clear technical path, from data to offer.