Open Banking APIs and TPP access

Make Open Banking APIs perform like digital channels. Banks will need to provide dedicated interfaces with comparable functionality and performance, remove obstacles to authorized TPP access and maintain evidence across the complete customer and provider journey.

Permission dashboards

Give customers direct control of permissions. Banks will need to provide a permission dashboard where customers can view, withdraw and restore third-party access. Consent changes must stay connected and traceable across bank and TPP channels.

Strengthen fraud controls and liability evidence. Banks will need stronger transaction monitoring, customer warnings and fraud evidence as liability rules tighten. Spoofing claims, reimbursements and disputed transactions will require clearer controls and traceability.

SCA and payee verification

Extend protection across more payment journeys. Banks will need accessible SCA journeys, including options that do not depend on smartphones. They must also prepare for broader payee-name and account-identifier verification beyond instant payments.

Assess the combined impact on your bank

Review where your current PSD2 implementation falls short on API performance, customer permissions, TPP access, fraud controls and regulatory evidence.

Go beyond simple PSD3 compliance

Give your bank one operating layer for PSD3, PSR and future open banking requirements across regulated APIs, consent management, SCA, fraud evidence, third-party access and governance. Combine SBS banking expertise with Axway API management to reduce complexity and build a reusable foundation for FiDA, open finance and future API-led services.

Assess your exposure Key changes

Highlights

PSD3 turns compliance into continuous operations

PSD3 and PSR raise the operating standard across regulated APIs, consent management, SCA and third-party access. Banks must continuously demonstrate that open banking access is available, secure, monitored and governed, with traceable evidence of performance, access and fraud controls across the full lifecycle.

Talk to an expert Assess your readiness

Connectivity issues

Supporting regulatory-critical open banking operations across a complex, multi-country deployment for over six years.

Faster API delivery

Reusable components and enterprise API management accelerate open banking API development and regulatory delivery.

100+

TPPs onboarded

Proven experience operating third-party access, consent management and governance across 17 European markets.

99.9%

Platform availability

Enterprise-grade availability helps support dependable Open Banking operations and regulatory-critical services.

Benefits

Where PSD3 compliance becomes a competitive advantage

Reduce the burden of compliance

Replace one-off regulatory projects with an operating capability that evolves as PSD3, PSR and open banking requirements change, while strengthening customer trust and control.
Cut compliance cost and effort

Use configuration, reusable components and integration capabilities to reduce implementation and maintenance work across engineering, compliance and operations.
Move faster with proven expertise

Leverage SBS banking expertise with Axway's API management strength to support regulated PSD3 workflows and scalable operations aligned with Berlin Group open standards.
Build once and evolve continuously

Start with PSD3 and PSR readiness, then reuse the same operating foundation for FiDA, Open Finance and future initiatives without rebuilding.

PSD3 Compliance and open banking scalability

A scalable operating model for PSD3 compliance and beyond

SBS replaces fragmented remediation with one reusable open banking operating layer, keeping open banking journeys aligned with digital-channel standards. From assessment through delivery, operation and extension, it helps your bank absorb PSD3 and PSR change without another remediation cycle.

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Assess, integrate and prioritise

Identify the gaps that matter, prioritize integration and define a scalable path that keeps pace with regulation and digital channels.

Deliver with confidence

Deploy PSD3 and PSR capabilities on Berlin Group v2 open standards, with API, consent and access flows built to scale.

Operate PSD3 at scale

Manage TPP access, consent management, API performance and governance in one framework that evolves with regulation and expectations.

Extend without rebuilding

Reuse the same operating foundation and integration for FiDA, Open Finance, ecosystem partnerships and API-led growth.

Functionalities

One platform for continuous open banking compliance

SBS unifies the capabilities banks need to expose, govern, protect and extend open banking compliance, connecting APIs, consent management and TPP access with actionable insight.

Deploy high-performance PSD3 APIs at scale

Deploy APIs designed for PSD3 and PSR, aligned with Berlin Group standards, with availability, performance, resilience and digital-channel parity built in from the start.

Onboard TPPs in days, not months

Enable self-service onboarding through a developer portal and sandbox, with integrated consent, monitoring and governance that reduces manual effort while improving visibility across your ecosystem.

Protect every regulated interaction

Bring consent management, SCA, consent revocation and fraud evidence into one auditable layer to support reimbursement workflows and continuous regulatory control.

Turn compliance into future growth

Reuse the same foundation to extend into FiDA, Open Finance and premium API services through configuration-led integration, without rebuilding.

Technology

Built to comply. Engineered for growth.

Stay aligned as regulation evolves

Centralized regulatory updates keep PSD3, PSR and future open banking requirements continuously aligned, reducing repeated compliance effort while preserving capacity for innovation.
Scale for high-volume open banking traffic

Built on enterprise-grade API management, the platform delivers the availability, resilience, monitoring and digital-channel parity required for regulated open banking at scale.
Grow modularly, without rebuilding

Secure APIs, prebuilt connectors and configuration-led integration link core, digital and partner environments, reducing effort and accelerating new services, partnerships and API-led growth.

Build a reusable open banking foundation for PSD3, PSR, FiDA and beyond.

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Changes under PSD3 & PSR

PSD3 and PSR reshape the European payments framework in different but connected ways. PSD3 updates the authorization and supervision framework, while PSR sets the operating requirements banks must meet across payments and Open Banking. Together, they require banks to strengthen control, performance and evidence across four critical areas.

Go beyond simple PSD3 compliance