Comply, Connect & Collaborate
In the era of Open Banking, let's shape the future of finance. Together.
In the era of Open Banking, let's shape the future of finance. Together.
Comply.
Remove the barriers & efficiently comply with finance sector legislation in the Open Banking era.
Connect.
Seamlessly connect to enriched user account data in an optimized, secure and flexible environment.
Collaborate.
Rapidly collaborate with multiple Open Finance innovators to develop value added solutions & monetize products.
Taking financial services to the next level
The opening up of customer account data, and the ensuing digital transformation, presents the financial services sector with a wealth of new opportunities.
Leverage Open Banking/Finance-powered Fintech services
In the initial stages of Open Finance, and after ensuring compliance, these revolve around account aggregation, online account-to-account payments, and data monitoring/analysis.
Supporting banks & financial institutions through their compliance journeys
The rapidly expanding digitization of the financial services sector inevitably coincided with a wave of new regulation. To navigate through this ever-changing environment, banks and financial institutions have to adapt.
LUXHUB XS2A consists of a complete technical solution helping ASPSPs with compliance related to the Regulatory Technical Standards of the Second Payment Services Directive (Directive (EU) 2015/2366)
CONNECT, through the One products
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Unified bank accounts data
Access account information via ONE integration. Aggregate enriched financial data. Usher in next generation payments.
*destined to financial institutions
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Payments made easy
Enrich your services with embedded, next generation bank payments. Provide secure, low cost, instant and frictionless flows. Own your value, with a fully transparent, white labelled solution.
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Build solutions on real-time data
Empower your customers with a unified view of their finances. Use enriched data to bring value added services.
Unified bank accounts data
Access account information via ONE integration. Aggregate enriched financial data. Usher in next generation payments.
*destined to financial institutions
Payments made easy
Enrich your services with embedded, next generation bank payments. Provide secure, low cost, instant and frictionless flows. Own your value, with a fully transparent, white labelled solution.
Build solutions on real-time data
Empower your customers with a unified view of their finances. Use enriched data to bring value added services.
Marketplace, a trusted collaborative platform
The rapid emergence of Open Innovation imposes increased collaboration between traditional institutions, innovative tech companies, and data specialists.
By working together, all actors can optimize the benefits passed on to the end users. Innovation imposes collaboration.
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The network for enhanced financial services
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Want to know more? Let’s discuss how we can help your reach your business goals. Send us your request and we’ll get back to you.
FAQs
PSD2 is the EU Directive 2015/2366 on payment services in the internal market, published in the Official Journal on 23 December 2015. Its objective is to open access to bank systems to TPP in order to further enhance consumer protection and convenience, to improve the security of payment services and to promote innovation and competition.
AIS: Account Information Services
AISP: Account Information Service Provider
ASPSP: Account Servicing Payment Service Provider providing and maintaining a payment account for a PSU
CESOP: Central Electronic System of Payment
CBPII: Card-based Payment Instrument Issuer (formerly PIISP: Payment Instrument Issuer Service Provider)
FiDA: Financial Data Access
FISP: Financial Information Service Provider
NCA: National Competent Authority
NTA: National Tax Administration
PIS: Payment Initiation Services
PISP: Payment Initiation Service Provider
PSD2: Directive (EU) 2015/2366 on payment services in the internal market
PSP: Payment Service Provider
PSU: Payment Service User
RTP: Request to Pay
RTS: Commission Delegated Regulation (EU) 2018/389 with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication
SCA: Strong Customer Authentication
TPP: Third-Party Provider, i.e. AISP, PISP and CBPII
We have a range of useful material in our Resource Hub, where you’ll find the latest Fintech, Open Banking/Finance news.
You can also subscribe to our community to receive educational information on a broad range of topics (we won’t bombard you with sales emails)
You don’t need a contract to use the Developer Portal, nor to consume the PSD2 APIs. However, you do need to accept our Terms and Conditions during the registration process.