Open Banking Platform Development Teams
PSD2 API compliance gaps, fragile data aggregation pipelines, and consent management that doesn't scale — our engineers build open banking infrastructure that meets regulatory standards and drives product innovation.
Valletta Software provides dedicated open banking software development teams specialising in PSD2-compliant API gateways, account data aggregation, consent management platforms, and the developer ecosystems that open banking enables.
Open Banking. AI-Native. EU-Based.
Open Banking Software Development for Regulated API Infrastructure
Open banking requires compliance-first engineering: PSD2 and Open Finance standards, robust consent frameworks, and the developer experience that makes your APIs competitive. Our teams deliver the regulatory depth and the technical quality.
What our open banking software development teams deliver:
PSD2-compliant API gateway — AIS, PIS, and CBPII endpoints with SCA flows
Account data aggregation platform — multi-bank connectivity, data normalisation
Consent management platform — user consent journeys, audit trails, revocation
Developer portal and API documentation platform for third-party integrators
Strong Customer Authentication (SCA) implementation — FIDO2, biometrics, OTP
Open Finance extensions — pension, investment, and insurance data sharing
Open Banking Software Development & PSD2 Platform Developers
Staff Augmentation · Dedicated Teams · Project Delivery
Our engineers understand the technical and regulatory complexity of open banking: standards compliance, SCA implementation, and the developer experience requirements that determine API adoption. We provide specialists who deliver.
Open banking API engineers — PSD2, FDX, CDR compliant gateway developmentPSD2 platform developers — TPP onboarding, AIS/PIS implementation, SCA flowsData aggregation engineers — multi-bank connectivity, account and transaction normalisationSecurity engineers — OAuth 2.0, FAPI, certificate management, SCA implementationIntegration engineers — core banking connectors, payment rail integrations, sandbox environmentsFrontend engineers — consent journey UIs, developer portal, API documentation
AI-powered financial health scoring from transaction data
Automated affordability and creditworthiness assessment
ML transaction categorisation and merchant enrichment
Anomaly detection for account takeover and fraud prevention
AI-Powered Open Banking: Smarter Financial Insights from Open Data
From AI Financial Health Scores to Automated Affordability Assessment
We build AI features that help open banking platforms turn aggregated financial data into actionable insights — for credit decisioning, affordability assessment, and personalised financial advice.
AI that turns open data into competitive financial products
Compliant APIs. Intelligent insights. Real impact.
EU-incorporated in Malta. Contracts with your legal entity, NDA signed before kickoff, full GDPR compliance. Trusted by open banking teams across Europe and the US.
Ready to Build Your Open Banking Platform?
Book a free consultation with our open banking software specialists. We'll review your API architecture and regulatory compliance posture and propose the right team.
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Case Studies
Browse TalentRates from EUR 45/h • Free consultation • No commitment required • Response within 24 hours