Open banking development by Code & Pepper
Ensure a smooth user experience with seamless payment gateways and other solutions embedded into your application. Code & Pepper can handle both the design and the code.
Digital banks offer a myriad of possibilities in terms of integrations via API. Connect your product to the open banking world with the help of experienced developers.
State-of-the-art software often involves fast and accurate data processing. We’ll pick the optimal tool stack for your product and implement it following best industry practices.
Are you thinking of entering the world of digital banking with your own product? Given the right product design and development solutions, this can be an exciting adventure!
The ID Co.
Integration of DirectID with Salt Edge
DirectID is a banking data aggregator created by The ID Co. – an Edinburgh-based leader in open banking and a long-term client of Code & Pepper. Apart from reducing the risk of fraud, DirectID is a powerful decision-making tool in the hands of financial institutions and lenders.
Code & Pepper assisted The ID Co. in achieving full compliance with PSD2 through custom API development and integration with Salt Edge and its global data aggregation API. The main focus points of the project were compatibility, security, and quality assurance.
13K+ bank connections
12 months transactional data
1 unified API integration
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Alexander Rainey CEO and Founder at Pluto
I really value Code & Pepper for their proactive attitude, transparency, and detailed attention to security. These are what made the partnership trusted and solid. The development team was always very helpful and open in explaining all technical matters, along with a project manager who took care of organisational stuff.
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James Varga CEO and Founder at The ID Co.
We value Code & Pepper for their proactive attitude, responsiveness and transparency. It’s a reliable and dependable company that we can recommend for other business entities to cooperate with.
Challenges in open banking products
Digital money flow offers many opportunities not only for customers, but also for hackers and fraudsters. Safeguarding data storage and processing can help avoid leaks or theft of sensitive data. It’s important to remember that security is both a goal and a means to an end. As such, it affects not only the architecture but also the design of every application.
The magic behind open banking shows mainly in the ability to connect it with other essential software products, such as asset management platforms, credit scoring services or e-commerce. A perfect integration looks and feels seamless to the user, contributing to the overall positive experience and building a foundation for further usage and engagement.
Even the most secure and ingenious technologies won’t succeed without a carefully crafted user experience and interface. When designing customer-facing elements of the app, it’s crucial to remember about the average level of technological literacy and accessibility for users with disabilities. Paradoxically, simplifying the product can be harder than coming up with a complex solution.
Data flow in open banking products is important not only in terms of security, but also application performance. Poor load speed or inaccurate processing results are serious issues that could discourage users from further interactions. To avoid such setbacks, the app needs to be equipped with lightweight yet highly performant programming tools.
14 years on the market
70+ team members
4.6 score on Clutch
Opportunities won’t wait for ever…