Open Banking Makes the World Go Round. Don’t Fall Behind!

Open banking is an integral part of the newly developing FinTech world. Find out how Code & Pepper can help you benefit from the opportunities behind it!

Open banking services for FinTech visionaries

In modern finance, the open banking paradigm comes with a sense of inevitability. New standards introduced in Europe by the revised Payment Services Directive (PSD2) require banks to share account data with regulated Third Party Providers (TPPs) for payment initiation. The new regulatory framework is a revolutionary step towards seamless integrations, streamlined processes and actionable insights available within seconds and protected from cyber threats — in PayTech and beyond. This means not only giving customers access to new digital products, but also creating a thriving ecosystem of interconnected financial solution providers.

Open banking development by Code & Pepper

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Payment Systems

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.

API Integration

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.

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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.

UI/UX for Banking

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!

Make your app stand out among digital-first brands

Bring more value to users by integrating your product with open banking and payment gateways.

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.

UI and UX design

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 processing

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.

Unlock the power of open banking

Data is rocket fuel for business, no doubts about it. With open banking APIs, financial institutions can use banking data to make more informed decisions — faster. Think insurance underwriting, mortgage services or loan applications, just to name a few use cases. All that is possible, because at its core, open banking is an enabling technology. Open banking services give customers more control over personal data and enable them to use that data to improve their credit scoring or find better deals and easily switch between providers. Moreover, lower costs, greater usability and faster services are the biggest incentives for using FinTech products, so open banking development can do wonders to customer acquisition and retention.


API development and integration 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 DirectID 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.

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13k+ bank connections

12 months transactional data

1 unified API integration

Selected testimonials

James Varga CEO and Founder at DirectID (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.

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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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Thomas McHugh Founder & Director at Finbourne

We have used a variety of skill sets provided by Code & Pepper, including UX design and development. We have also found using their Scrum process to be very beneficial to measuring the progress of the project. We are happy to recommend Code & Pepper as a partner.

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Our clients are backed by industry leaders

14 years on the market

70+ team members

4.6 score on Clutch

Opportunities won’t wait forever…

Team up with Code & Pepper and secure your share of new value created by open banking.

Do you need a specific team setup? Try us!