Phase 1: Compliance Setup
PSD2, RBI-AA, GDPR-ready solutions with consent, encryption & audit controls.
What Are Open Banking API Integrations?
Secure, compliant integration solutions for financial data sharing and seamless fintech connectivity.
Sigma delivers secure open banking API integration solutions that empower fintechs, banks, and credit unions in the USA, UK, and Australia to enable consent-based data sharing, PSD2/AA compliance, and developer-centric API orchestration—all as solutions, not platforms.
Why Open Banking API Integration Solutions
Why Choose Open Banking API Integrations?
Drive innovation, compliance, and interoperability in regulated financial services.
- Deliver consent-based API data sharing while staying compliant with PSD2 and account aggregator rules.
- Accelerate fintech innovation with developer-ready modular APIs for embedded finance.
- Reduce time-to-market through secure third-party fintech integration solutions across systems.
- Enhance flexibility and scalability with cloud-native API orchestration for global expansion.
Sigma’s Open Banking API Integration Solutions Overview
Sigma’s Open Banking API Integration Capabilities
Developer-friendly, secure APIs for modern fintechs and open banking platforms
Sigma’s open banking API integration solutions, which include tokenised authentication, API gateway infrastructure, modular components, and end-to-end lifecycle management, are the best fit for fintechs and open banking platforms seeking real-world operational solutions, rather than off-the-shelf platforms.
Regulatory-Compliant API Solutions
PSD2 and Account Aggregator solution integration for secure data sharing.
Sigma’s solution ensures regulatory-compliant APIs for consent-based data exchange and real-time financial data access with a privacy-first design, unified PSD2/AA interoperability, and developer-ready, jurisdiction-specific compliance controls.
- Customer-permissioned data exchange with PSD2 and Account Aggregator integration solutions, delivering secure, consent-driven, and regulatory-compliant APIs.
- Tokenized authentication solutions to protect financial data sharing, ensuring privacy-first API exchanges aligned with open banking and global compliance mandates.
- Real-time, regulated API connectivity solutions that connect banks, credit unions, and fintechs, improving interoperability and financial ecosystem resilience.
- Developer-friendly, jurisdiction-specific API integration solutions with clear documentation, sandbox testing, and modular APIs aligned with global regulatory frameworks.
Third-Party Fintech Integration Solutions
Connect with CRMs, bureaus, KYC tools, and financial services via integration solutions.
Sigma provides third-party integration solutions that unify financial, identity, and analytics tools (such as credit bureaus, CRM, fraud, payments) through secure API orchestration—empowering financial applications with data-rich functionality.
- Credit bureau APIs (Experian, TransUnion) with fintech integration solutions to deliver real-time, automated credit scoring and lending risk assessment.
- CRM platforms, core banking systems, and loan origination solution integrations to streamline customer journeys, reduce friction, and improve financial service delivery.
- KYC/AML integration solutions through unified API orchestration, ensuring fraud prevention, compliance monitoring, and secure onboarding experiences.
- Syncing diverse fintech services and third-party solutions into a seamless data flow architecture, enhancing operational efficiency and customer experience.
API Gateway & Security Solutions
Secure API layer with authentication, monitoring, throttling, and observability.
Sigma delivers robust API gateway and security solutions, including token-based authentication, traffic throttling, real-time monitoring, and policy enforcement—enabling regulated, resilient, and observable API architectures for open banking solutions.
- Token-based authentication solutions and role-based access control across APIs to strengthen financial data security for banks, NBFCs, and fintech firms.
- Rate-limiting, throttling, and traffic control to protect APIs from abuse and to ensure resilient and secure API infrastructure for financial institutions.
- Monitoring APIs with real-time observability solutions, including analytics, logging, and anomaly detection to support secure, high-performance fintech operations.
- Integrating policy enforcement and advanced anomaly detection solutions that provide compliance assurance and protect against fraudulent API activity.
The Sigma Impact
The Sigma Impact – Real API Integration Solutions that Transform Fintech and Open Banking Platforms
Delivering secure, compliant, and scalable API integration for financial innovation.
Reduce implementation time with modular, ready-to-use open banking solution stacks.
Boost developer adoption via sandbox environments and documentation.
Expand capabilities through secure, consent-based data sharing APIs.
Scale globally with cloud-native gateways and managed lifecycle integration.
Open Banking API Integrations’ Use Cases
How clients leverage Sigma’s solutions to solve real fintech challenges.
Real-time credit scoring via bureau API integrations.
Digital lending enhanced with consent-based bank data pulls.
Wealthtech platforms unified via portfolio API aggregation.
Payment apps using API gateway for secure open banking transfers.
Open Banking & API Integration Transformation with Sigma
Together with Clients, We Build Fintech That Performs
Success Stories
See how a leading U.S. banking association boosted efficiency, security, and member engagement through innovative tech solutions.
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Developing a custom web-based platform for a boutique capital formation firm to streamline its investment operations.
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Automating Email and SMS communication systems with real-time tracking to improve on-time payments, and for recovering delinquent accounts.
Read moreFrequently Asked Questions
What are open banking APIs and how do they work?
Open banking APIs are secure, consent-driven integration solutions that enable regulated financial data sharing between banks and approved third parties. Sigma delivers PSD2 and Account Aggregator-compliant API integration solutions that ensure transparency, customer trust, and regulatory alignment.
How do fintechs securely integrate third-party APIs?
Sigma provides secure third-party API integration solutions with API gateways, authentication, rate limiting, monitoring, and consent-driven flows. This ensures fraud prevention, scalability, and compliance, helping fintechs embed services like KYC, AML, payments, and credit scoring safely.
What makes an API developer-friendly in financial services?
Sigma’s developer-first API integration solutions offer modular frameworks, RESTful design, sandbox testing, and open finance data models. With clear documentation and reusable components, we empower fintechs, banks, and enterprises to accelerate innovation with reduced development friction.
How do open banking APIs ensure compliance?
Sigma embeds compliance-by-design solutions into its APIs, including consent management, role-based access control, data encryption, and audit-ready logs. This ensures adherence to PSD2, RBI Account Aggregator, and GDPR, making integrations future-proof and regulator-approved.
Why is an API gateway essential for fintech solutions?
An API gateway solution centralizes authentication, access control, traffic management, anomaly detection, and policy enforcement. Sigma’s secure API gateway solutions provide fintechs with resilience, observability, and scalable API ecosystems across global markets.
Can Sigma support neobanks or embedded finance use cases?
Yes. Sigma delivers API integration solutions tailored for neobanks, embedded finance providers, lending businesses, and wealthtech firms. Our modular, cloud-native, and compliance-ready API solutions accelerate go-to-market timelines while ensuring security and regulatory readiness.