However, this requires the highest degree of interoperability. In the past, many sector-oriented offerings have emerged independently of each other that are often technologically extremely different and thus difficult to use and connect. This construct has no future. The introduction of a uniform application programming interface (API) is the more sensible alternative. PPI began developing banking systems for digital customer access to banking processes as early as the mid-1990s. Secure payments were just as much a focus as functionality. Starting with simple file transfer via the cryptographically secured protocols HBCI, FinTS and EBICS, these systems have accelerated the digital connection process of financial institutions over many years. With the ongoing digital transformation and the need to connect applications even more and in a more individualised way, the previous sector-related access channels are reaching their limits, but remain in use.

In line with market needs, the experts at PPI have used their experience from a wide variety of sector-based channel solutions to design a cross-sector API for all types of financial institution processes. It uses latest technologies and integrates internationally successful procedures for securing communication. Authorisation within the scope of identity and access management (IAM) is flexible and universal, for example via Keycloak with Open ID. With Docker and Kubernetes, the currently most powerful solutions for scaling are available. Around these innovative products, financial service providers can create a new open banking system that implements all experiences, previous channels and completely new customer access processes.