A
Account aggregation connects to multiple bank accounts and financial institutions via open banking APIs, pulling transaction data and balances into a single consolidated view.
Accounting integration connects financial platforms — banks, payment processors, and expense tools — directly to accounting software like Xero, QuickBooks, and Sage, automatically syncing transactions, invoices, and reconciliation data.
Algorithmic trading uses computer programmes to execute financial market transactions automatically based on predefined rules around timing, price, quantity, or mathematical models.
AML identity checks verify that customers are not on sanctions lists, are not politically exposed persons (PEPs), and do not appear in adverse media sources at the point of onboarding.
AML monitoring continuously observes customer transactions and behaviour after onboarding, looking for patterns associated with money laundering, terrorist financing, and sanctions violations.
Anomaly detection uses machine learning to identify unusual patterns in financial transactions, user behaviour, or system activity that deviate from established norms.
Audit logs are tamper-evident records of system events, user actions, and data changes that financial institutions maintain for compliance, security, and operational purposes.
Automated savings tools move money into savings automatically based on rules — round-ups on transactions, fixed transfers on payday, or percentage-of-income rules — without requiring ongoing conscious action from the user.
B
Banking as a Service platforms provide licensed banking infrastructure — accounts, payments, cards, and compliance — via APIs to non-bank companies who want to embed financial products without holding a banking licence themselves.
Banking APIs are the technical interfaces through which banks expose their data and functionality to authorised third parties — enabling account data access, payment initiation, and product integration.
Biometric services use physical characteristics — facial features, fingerprints, voice patterns, or behavioural signals — to verify identity during financial onboarding or ongoing authentication.
BNPL checkout integrations add buy now pay later instalment options directly to e-commerce and retail checkout flows, allowing customers to split purchases into interest-free payments over weeks.
Budgeting apps help individuals plan and track their spending against targets across categories, using open banking data to automatically categorise transactions and provide real-time visibility into financial behaviour.
Business banking services provide companies with current accounts, payments, cards, and financial management tools designed for corporate rather than personal use.
C
Card issuing APIs allow non-bank companies to create and manage branded debit, credit, and prepaid card programmes for their customers or employees through a technical integration, without holding a banking licence.
Card processing is the technical and financial infrastructure that handles card payments from authorisation through to settlement, sitting between merchants and card networks like Visa and Mastercard.
Cash flow tools help businesses monitor and forecast the timing of money coming in and going out, providing real-time visibility into current cash positions and projections of future liquidity.
Chargeback protection services help merchants reduce, contest, and manage card payment chargebacks — disputed transactions where customers request a reversal from their card issuer.
Claims automation replaces manual insurance claims assessment workflows with software that can approve straightforward claims automatically, route complex claims to human reviewers, and detect potentially fraudulent submissions.
Clearing systems are the financial market infrastructure that reconciles and confirms trades between buyers and sellers before final settlement occurs.
Compliance automation platforms replace manual compliance workflows with software — policy management, regulatory change monitoring, employee training tracking, and audit documentation.
Consent management tools help regulated financial services businesses capture, record, and manage customer consents for data processing, marketing, and third-party data sharing under GDPR and open banking regulations.
Consumer credit apps provide individuals with personal credit products — credit lines, personal loans, or instalment plans — through mobile-first interfaces outside traditional bank relationships.
Core banking platforms are the central systems managing a bank's fundamental operations — account management, transaction processing, customer records, product configuration, and regulatory reporting.
Credit scoring assesses the creditworthiness of individuals and businesses using data models that predict repayment likelihood.
Cross-border transfer services move money between different countries, currencies, and banking systems at transparent fees using real mid-market exchange rates.
Crypto custody provides secure storage of digital assets for institutions, asset managers, and corporate treasuries using multi-signature key management, cold storage infrastructure, insurance, and comprehensive audit trails.
Crypto exchange services allow users to buy, sell, and trade cryptocurrencies through centralised platforms that match orders and hold custody of assets.
Crypto wallets store, send, and receive cryptocurrency, with custodial wallets managed by a service provider and non-custodial wallets giving users direct control of their private keys.
D
Data enrichment enhances raw financial data with additional context — converting transaction strings into clean merchant names and categories, adding firmographic data to company records, or appending risk signals to customer profiles.
Debt planning tools help individuals and businesses understand, organise, and systematically reduce their debt obligations by providing visibility into outstanding balances, interest costs, repayment timelines, and prioritisation strategies.
Derivatives trading platforms provide access to financial instruments whose value is derived from an underlying asset — options, futures, contracts for difference, and swaps.
Decentralised exchange (DEX) protocols enable peer-to-peer cryptocurrency trading directly on blockchain infrastructure using smart contracts, without a centralised intermediary holding custody of assets.
Digital accounts are bank accounts, payment accounts, or e-money accounts delivered through digital channels — opened remotely via a smartphone app, managed without branch visits, and integrated with digital payment methods.
Document verification is the automated analysis of identity documents — passports, national ID cards, driving licences — to confirm their authenticity, detect tampering or forgery, and extract structured data for onboarding workflows.
E
Embedded insurance integrates insurance products into the purchase or usage journey of non-insurance platforms — flight cancellation cover at a travel checkout, device insurance alongside a purchase, or injury cover within a gig economy app.
Embedded insurance APIs allow non-insurance platforms to integrate insurance products into their own customer journeys through technical interfaces, with the API provider handling the underlying insurance infrastructure, underwriting, and regulatory compliance.
Embedded lending integrates loan products — working capital advances, instalment financing, or credit lines — directly into the workflow of a non-financial platform.
Embedded payments allow non-financial platforms to offer payment acceptance and disbursement natively within their own product, without directing users to a third-party processor.
ETF investing platforms make diversified, low-cost index investing accessible to retail investors by providing access to exchange-traded funds — instruments that trade like stocks but hold a diversified basket of assets tracking an index, sector, or geography.
Expense tracking provides detailed visibility into spending patterns across transactions — categorising purchases, identifying merchants, flagging unusual activity, and producing spending summaries.
F
Fintech SaaS provides software-as-a-service products specifically designed for financial services companies — compliance tools, risk management platforms, customer onboarding systems, and financial analytics.
Fractional investing allows individuals to buy portions of high-value assets — shares in expensive stocks, fractions of property, or slices of alternative investments — with small amounts of capital.
Fraud detection analyses transactions, account events, and user behaviour in real time to identify potentially fraudulent activity before it results in financial loss.
FX management platforms help businesses that operate across currencies understand, hedge, and reduce their foreign exchange exposure.
I
Identity verification confirms that a person is who they claim to be by combining document analysis, biometric matching, liveness detection, and database checks.
Instalment payment services allow consumers to split purchases into fixed, regular payments over a defined period — typically three to twelve equal instalments.
Instant payment services complete bank-to-bank transfers in ten seconds or less, available around the clock every day of the year.
Invoice finance allows businesses to receive early payment on outstanding invoices rather than waiting for customers to pay on standard terms.
Invoice tools help businesses create, send, track, and manage invoices digitally — automating the billing process, reducing payment delays, and integrating invoice data with accounting and cash flow systems.
L
Ledger systems are the core accounting infrastructure that records and reconciles financial transactions — tracking balances and movements of funds across accounts in real time using double-entry bookkeeping.
Liquidity tools help treasury teams and finance departments monitor and optimise their organisation's liquid assets — providing real-time visibility into cash positions, forecasting future liquidity needs, and identifying opportunities to put surplus cash to work.
Loan origination platforms manage the end-to-end process of creating a new loan — from initial application and credit assessment through underwriting, approval, documentation, and disbursement.
Loan servicing platforms manage the ongoing administration of loans after origination — processing repayments, calculating interest, managing arrears, issuing statements, and handling the full lifecycle through to final repayment or default.
M
Market data services collect, normalise, and distribute real-time and historical price, volume, and reference data for financial instruments traded on exchanges and OTC markets.
Merchant acquiring is the banking and financial service that enables businesses to accept card and electronic payments.
Merchant BNPL provides businesses with the integration tools and credit infrastructure to offer instalment payment options to their customers at checkout.
Mobile banking delivers the full range of bank account functionality through smartphone apps — account management, payments, transfers, card controls, and customer support — without requiring branch visits.
Mortgage platforms digitise the application, underwriting, and servicing of home loans, using open banking for income verification, automated valuation models for property assessment, and streamlined document workflows to reduce the time and friction of the mortgage process.
Multi-bank tools allow businesses to connect and manage accounts at multiple banking institutions through a single interface — viewing balances, initiating payments, and running cash position reports across all banking relationships simultaneously.
O
Onboarding APIs provide programmatic access to the identity verification, KYC, document collection, and risk screening capabilities that regulated financial companies need to onboard new customers compliantly.
Onboarding flows are the end-to-end customer journeys through which new users register for and are verified on a financial platform — from initial data collection through identity verification, AML screening, risk assessment, and account activation.
Order management systems handle the lifecycle of financial market orders — creation, routing, execution, modification, and cancellation — across trading venues and asset classes.
P
Peer-to-peer lending platforms match investors directly with borrowers, with the platform facilitating the loan rather than acting as the lender itself.
Payment initiation services use open banking APIs to trigger a bank-to-bank payment directly from a customer's account at checkout or within an application, without routing through a card network.
Payment orchestration sits above multiple processors, gateways, and acquirers, routing transactions to the optimal provider based on cost, success rate, geography, or payment method.
Payout APIs enable businesses to send money programmatically to multiple recipients — employees, contractors, marketplace sellers, or customers — through a single integration that handles the routing, currency conversion, and compliance for each payment.
Payroll systems calculate, process, and pay employee compensation — handling gross-to-net calculations, tax withholding across jurisdictions, pension contributions, benefits deductions, and payslip generation.
Policy administration platforms manage the operational lifecycle of insurance policies — issuance, endorsements, renewals, cancellations, and claims linkage — for insurance companies and managing general agents.
Policy issuance services handle the creation and delivery of insurance policy documents — generating policy schedules, certificates of insurance, and supporting documentation automatically from underwriting data.
Portfolio tools help investors and wealth managers construct, monitor, and optimise investment portfolios — tracking holdings and performance across asset classes, analysing allocation relative to targets, and identifying rebalancing needs.
Point of sale payment services provide merchants with the hardware and software to accept card and digital payments in physical locations — including countertop terminals, mobile card readers, and integrated POS systems.
Private banking portals provide high-net-worth individuals and their relationship managers with digital access to consolidated portfolio information, investment research, document management, and communication tools.
Property crowdfunding platforms enable retail investors to participate in real estate investments with smaller capital than direct property ownership requires — providing loan capital or equity stakes in residential or commercial properties and development projects.
Property lending provides debt financing secured against real estate — bridging loans, development finance, buy-to-let mortgages, and commercial property loans.
R
Reconciliation is the process of confirming that financial records across different systems match — verifying that bank statements align with internal ledgers, that payments processed match payments expected, and that any discrepancies are identified and resolved.
Reconciliation tools automate the matching of financial transactions across multiple systems and data sources — bank statements, payment processor reports, ledger entries, and invoicing systems.
Regulatory reporting platforms automate the production and submission of reports required by financial regulators — MiFID II transaction reports, CRR large exposure reports, suspicious activity reports, and others.
Rental finance services provide financial products designed for the rental market — deposit replacement schemes, tenant credit checking, rent payment financing, and landlord mortgage products.
Retirement planning tools help individuals project their future retirement income, model the impact of different contribution levels and investment returns, consolidate pension pots from previous employers, and optimise their savings strategy across pension and non-pension vehicles.
Risk scoring assigns quantitative risk assessments to customers, transactions, or counterparties based on data signals — credit risk scores for lending decisions, fraud risk scores for payment authorisation, or compliance risk scores for AML purposes.
Robo-advisory services provide automated investment portfolio management using algorithms rather than human advisers.
S
Sanctions screening checks individuals, businesses, and transactions against official lists of sanctioned entities maintained by governments and international bodies including OFAC, the EU, and the UN.
Savings automation moves money into savings accounts, investment accounts, or savings goals automatically based on predefined rules — scheduled transfers, round-ups on transactions, or percentage-of-income rules.
Security monitoring provides continuous surveillance of IT systems, networks, and user activity to detect cyber threats, intrusions, and anomalous behaviour in real time.
Settlement rails are the underlying financial market infrastructure that completes the final transfer of securities and funds between counterparties after a trade is agreed.
SME credit tools provide small and medium enterprises with access to credit assessment, loan comparison, and working capital management capabilities.
Staking platforms allow cryptocurrency holders to earn rewards by participating in the validation of blockchain transactions — locking up crypto assets to support network security and operations in exchange for a yield.
Subscription billing platforms manage the recurring payment infrastructure for businesses that charge customers on a repeating schedule — handling collections, failed payment retries, plan changes, upgrades, prorated charges, invoicing, and subscriber lifecycle management.
Subscription control tools give consumers visibility into and management of their recurring financial commitments — identifying all active subscriptions, tracking costs, and enabling cancellations from a single interface.
T
Token issuance platforms provide the infrastructure to create and distribute digital tokens on blockchain networks — representing financial assets, loyalty points, access rights, or other forms of value.
Trading platforms provide the technology through which investors buy and sell financial instruments — equities, fixed income, derivatives, foreign exchange, and commodities.
Transaction categorisation automatically classifies financial transactions into meaningful spending or income categories — groceries, transport, utilities, salary — using machine learning and merchant data.
Treasury management systems provide the central platform through which corporate treasury teams manage cash positions, bank account structures, payment approvals, FX exposures, and treasury reporting.
U
Underwriting AI applies machine learning to the assessment of insurance and credit risk — using broader data sets, more complex pattern recognition, and continuous model improvement to make more accurate risk decisions than traditional actuarial and rules-based underwriting.
Usage-based insurance prices insurance premiums dynamically based on actual behaviour rather than actuarial averages — charging drivers based on how they actually drive, or charging businesses based on actual risk exposure.
W
White-label banking allows banks, fintechs, and non-financial companies to offer banking products under their own brand, powered by a third-party provider's infrastructure and licence.
Working capital finance provides businesses with the short-term funding needed to cover day-to-day operational costs — bridging the gap between when money goes out (supplier payments, wages, inventory) and when it comes in (customer payments).