Scale revenue with open banking
Evolve business models, activate new distribution channels, and boost revenue across lending, payments, and banking services
Building a scalable foundation for open banking growth
With new data-sharing rules, rising digital expectations, and stronger competition from digital-first competitors, financial institutions are under pressure to turn open access to customer data into profitable products and experiences. At the same time, legacy cores, fragmented architectures, skills gaps, and evolving security and compliance demands make it difficult to move from pilots to scaled, enterprise-ready programs.
Opus helps you turn this complexity into measurable business outcomes by connecting strategy, experience design, APIs, and data into a single, executable roadmap. Drawing on deep domain expertise, proven delivery models, and purpose-built accelerators, we are the partner of choice to design, govern, and scale open banking innovation that deliver profitable growth.
Our services include:
- Use Case and Value Design
- Experience and Journey Design
- API Strategy and Governance Advisory
- Data Product and Consent Advisory
Our open banking services
Use case and value design
Identify high-value opportunities where data access, consented sharing, and partnerships can create measurable business impact. We work with your product, risk, and business teams to map customer needs, prioritize use cases, build business cases, and define phased implementation plans that align with your strategy and regulatory context.
Experience and journey design
Design customer journeys that drive adoption, trust, and repeat usage across channels. Our teams conduct user research, map end-to-end flows for onboarding and consent, prototype responsive interfaces, and refine experiences using analytics, ensuring every step is intuitive and compliant while remaining industry-relevant and aligned with your brand.
API strategy and governance advisory
Create API strategies and governance models that support secure, scalable expansion across products and partners. We define API vision and standards, design domain-driven and event-driven architectures, establish API lifecycle and versioning practices, and guide the transition from monolithic systems to modular, decomposable platforms.
Data product and consent advisory
Turn raw financial data into governed products that support payments, personal finance, and analytics use cases. We help you design data models and APIs, define consent journeys and policies, set up privacy and compliance controls, and establish operating models so data products remain secure, trusted, and ready to scale.
Our proven accelerators for open banking success
Pre‑built API specification templates
Standardized FDX‑aligned API specifications for account information, payment initiation, identity verification, and consent flows that shorten design cycles and embed compliance from day one.
Open banking control center dashboards
White‑label monitoring dashboards that track API call volumes, consent events, partner usage, and security alerts so your teams can manage performance and risk in real time.
Compliance checklist and risk assessment templates
Ready‑to‑use frameworks for regulatory readiness checks and risk assessments that streamline audits, document controls, and reduce time spent on manual reviews.
Developer portal setup kits
Configurable packages that include API documentation structures, sample code, sandbox environments, and onboarding workflows to help you onboard partners faster with less engineering effort.
Partner and aggregator ecosystem playbooks
Curated playbooks with vetted aggregators, financial institutions, and regulatory vendors that reduce partner selection time and provide repeatable patterns for ecosystem integration.
Success stories
Digital direct deposit switch for a US bank
increase in deposit inflows
uplift in onboarding conversion
gain in 90-day account retention
Expanding credit access for international applicants at a US bank
increase in approval rates
uplift in application conversion
lower operational costs
Insights
Expand revenue, customer reach, and partnerships with scalable, compliant open banking solutions.
Schedule a meeting with our consulting team today.
Frequently Asked Questions
We help banks and fintechs design and deploy digital banking solutions that monetise data sharing, enable API-led ecosystems, and launch embedded products that reach customers where they already are. We’ve helped clients unlock new revenue streams while meeting every consent and compliance requirement along the way.
Our open banking consulting teams have deep experience designing consent frameworks that are genuinely user-friendly and fully compliant, covering GDPR, PSD2, and emerging US open banking standards. We build consent infrastructure that’s auditable, scalable, and designed to evolve with stricter regulations, so you stay ahead of compliance requirements rather than scrambling to catch up.
We start with a rapid capability assessment, identify the highest-value use cases for your specific business, and sequence the roadmap to deliver early wins while building toward a fully mature open banking ecosystem. Each phase is validated against compliance, integration complexity, and commercial return before the next one begins.
About us
Opus is a trusted engineering partner to payment providers, banks and fintechs navigating change in a real-time, digital-first world.
Our promise is simple: Business Value Acceleration. Realization. Maximization.
We deliver on this promise through the Opus trifecta-a domain-native engineering skillset, a value-creation mindset, and an Al augmented toolset that drives business agility.
From MVP (Minimum Viable Product) to MPT (Maximum Possible Transformation), Opus turns engineering into business advantage.