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SBS Open Banking Compliance Solution

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.

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Highlights

PSD3 turns compliance into a continuous operating model



PSD3 and PSR raise the standard across every layer of Open Banking. Banks must now show their APIs stay available, secure, monitored and governed across the full third-party access lifecycle. Expose APIs, manage consent, and support SCA while providing evidence of the fraud controls the standard requires.

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Connectivity issues

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

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Faster API delivery

Reusable components and enterprise API management accelerate Open Banking API development and regulatory delivery.

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TPPs onboarded

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

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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 repeated regulatory projects with one continuously evolving operating capability that simplifies compliance while strengthening customer trust and operational control.

  • Cut compliance cost and effort

    Replace fragmented compliance projects with one operating layer that absorbs regulatory change through configuration, reducing implementation effort and long-term compliance costs.

  • 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



Implement a reusable Open Banking operating layer across regulated APIs, consent management, SCA, fraud evidence and third-party provider access. It replaces fragmented remediation with a scalable model that supports continuous regulatory change and keeps Open Banking journeys aligned with digital-channel standards.

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Assess, integrate and prioritise

Identify the gaps that matter, prioritise 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 foundation for FiDA, Open Finance, ecosystem partnerships and premium API growth without rebuilding.

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

            Centralised 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.

          Ready for PSD3, built for what follows

          Build a reusable Open Banking foundation for PSD3, PSR, FiDA and beyond.

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