Product

Open Banking as a Service

Access secure categorised account data and quality, actionable insights with no upfront costs or complex setup
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Product Overview

Our Open Banking as a Service (OBaaS®) solution simplifies access to the benefits of Open Banking for organisations. 

It offers a personalised sign-up process, allowing customers to share bank data quickly and securely, enhancing the customers' experience by removing the need to supply bank statements and payslips. Our advanced analytics engine provides you with real-time customer data, helping you assess applications quickly and reduce manual effort so you can make swift, informed decisions. 

How It’s Used

Unlimited Enquiries
Our six-month pilot enables you to access an unlimited amount of enquiries.
Categorisation dashboard 
Understand actionable insights, via real-time delivery of an underwriting dashboard powered by a categorisation engine.
Monitor results 
Analyse uptake rates, incomes verified, referrals approved, and identities digitally assessed.
Value through decision engines 
When the value is proven, integrate the data into your decision engines.
Deployment strategies 
Use Open Banking within days; select from Turnkey or iFrame/API technical deployment solutions to start your Open Banking journey.

Make Swift, Accurate Decisions with Integrated Deployment

Let us help you unlock new possibilities through Open Banking. 

Through our deployment solutions, we can help you integrate transactional data and quickly gather actionable insights, helping you make swift, accurate, automated decisions.

Open Banking as a Service - User Journey Animation
Equifax's Open Banking as a Service (OBaaS®) lets customers easily share bank data. We've simplified this process to minimise drop-offs. For a quick overview, watch our animation. It shows how app-to-app authentication can share insights in minutes.

Automated Decisions, Delivered by APIs

We can connect you directly to your customer’s transaction data using APIs to help you automate credit decisions based on Open Banking insights and improve your customer experience.

We build our API solutions with your developers in mind, to make it as simple as possible for you to implement. Visit our Developer Portal where you can explore our APIs, review the documentation to learn how they work and test them out in our sandbox.

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The personal data that you provide via this form will be processed in order to deal with your enquiry and for marketing purposes unless you have opted-out of receiving marketing communications. As a result of this processing, your personal data may be transferred to countries outside of the UK and European Economic Area (EEA). Please see the Equifax Credit Reference and Related Services Privacy Notice for more information about how we will process your personal data.

To access your Personal Credit Report, visit https://www.equifax.co.uk

To query your Personal Credit Report or get help, visit https://help.equifax.co.uk/EquifaxOnlineHelp/s/

To access your business credit report, download our Business Report form and return your completed form to us via post or email using the information provided on the form.

Send an email to our customer service team via hello@equifax.com and we'll get in touch with you directly.

Contact Us

Speak to our Open Banking experts to explore how we can bring the power of Open Banking into your business.
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Developer API portal

Get started with our Open Banking API in the Equifax OBAAS sandbox.
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