PSD2 Active Engine
To be active in fintech, today, new revenue opportunities and new competitive levers are needed. Fabrick offers them to you by proposing innovative business and collaboration models that, thanks to the PSD2 directive, enable services and products aimed at improving the financial management of companies and users.
What is this product?
A set of APIs that allows you to easily access the accounts of all banks by initializing payments to all Italian banks, in the future also to European banks.
Fabrick’s solution is easy to integrate, requires no on-premise installations and is as-a-service. It is a turnkey service.
The modularity of the solution allows you to easily scale and deal with change in a progressive way, thanks to the use of REST APIs for data packet transmission.
Third Party Provider
Intermediaries providing a PIS, an AIS or other payment services
Account Information Service Provider
Account information service providers that allow to aggregate accounts into a single tool
Payment Initiation Service Provider
Payment initiation service providers that allow to make a bank payment directly without resorting to a bank app
Account Information Service Provider
Entity that controls the customer’s online banking account and has a direct service contract with the current account holder
Find out how it works
If you are interested in understanding how our solution works, you have a chance to see it come into action.
Multi-bank Home Banking
It is the first useful service that a bank can offer to build customer loyalty.
Tool to define the risk profile and set a specific interest rate for each client
Direct Payment for Ecommerce
The solution for banks acquiring for merchants on e-commerce sites
Data analysis services functional to marketing and commercial strategies
Tools to provide companies with a high level of treasury service
Service for those who make company movements
Works for both payments and access to accounts
Allows PPTs to generate apps to access accounts on third-party banks as an affiliate tool for their clients and then offer their products.
Allows you to obtain an accurate risk profile of those who apply for a mortgage, analyzing buying behaviour and possible unpaid loans.
Provides by default an enrichment of the account flow causation for both private and business customers.
Works independently of card circuits
Allows the bank to offer the possibility of obtaining payments directly to its own account, disintermediating the traditional payment circuits.
Offers advantages in terms of cost and financial reconciliation to both the bank and the merchant
Allows you to suggest a certain type of account or investment to the client, based on multi-account analysis
Allows you to categorize the expenses of a specific cluster of users and propose pricing and competition information to your corporate client.
Allows companies to move money between the different accounts used to manage their operations
Enables the bank to analyze the company’s cash flows on the various accounts, optimizing their management
Allows TTP to request payment of a specific amount from another account
Thanks to in-depth analysis, it prevents potential unpaid claims and requires payment from a specific account that has a sufficient credit balance.
It also facilitates debt recovery procedures
The PSD2 Active Engine transforms and boosts PFM tools
Data visualization, which has always been important, becomes exponentially more powerful with PSD2 and allows for budget analysis to enhance and expand services to users.
illimity, an exemplary case
It’s the perfect declination of the “open” philosophy promoted by Fabrick that has been chosen by illimity to take full advantage of the opportunities of PSD2 and offer its unique advantages
Discover how to benefit from PSD2 with Fabrick Pass
Thanks to AISP and PISP licenses Fabrick is able to offer also to those who do not work in the financial sector the benefits of PSD2 through innovative solutions in which the technological and regulatory components are integrated in a synergistic and easily usable way.
We made it suitable for your developers
Open banking has huge potential in terms of creating new digital and personalized banking services, both for retail and corporate customers. For developers there is a wide range of opportunities to build new business.
Why choose Fabrick?
We are the first
Fabrick is the first on the Italian market to offer this solution
Unattended calls with a proprietary scheduler on behalf of TPP and the data remains on Fabrick’s server
Support service for obtaining or uploading eIDAS certificates for TTPs and banks
Integration at 4 levels
We are the only ones to offer integration of banks not at best effort, but effectively tested and running
Berlin Group Standard
Every TTP developer does not have to worry about knowing the standard adopted by the gateway used