How can fintechs access consumer financial data through Akoya?

Fintechs can connect users to their financial data through Akoya's 100% API-based, user-permissioned data access network. A single integration with Akoya provides access to consumer financial data from more than 4,300 financial institutions to power products and use cases. Akoya offers a self-service sandbox where developers can set up a free account, access test data, and move to production when ready.

What fintech use cases does Akoya support?

Akoya supports a range of fintech use cases by enabling secure, consumer-permissioned access to financial data through its API-based network. These include account opening, personal financial management, business financial management, lending and credit enhancement, payment enablement, and wealth management and investing. DecisionLogic, a fintech that uses Akoya for real-time credit insights, has reported higher conversion rates and more consistent data extraction since integrating with the platform.

Why do fintechs choose Akoya?

Fintechs choose Akoya to access consumer data through a one-to-many network connection, eliminating the need to build and maintain individual direct integrations with each financial institution. With a single integration, they can scale access across a broad network using standardized APIs. Akoya also does not insert itself into the fintech's user experience, allowing consumers to authenticate directly with their financial institution within the fintech's own consent flow. This supports a more seamless experience and can improve conversion rates while maintaining secure, permissioned data access.

Which financial institutions are available through Akoya's network?

Akoya is trusted across the open finance ecosystem, connected to more than 4,300 financial institutions and securely powering more than 7,000 apps. The network includes major institutions and providers such as Bank of America, Capital One, Chase, Citi, eMoney, Fidelity, Fiserv, Jack Henry, Morningstar, PNC, TD Bank, US Bank, Wells Fargo, and Yodlee. Akoya's data access network is inclusive of the entire financial services industry and serves fintechs, data aggregators, and financial institutions.

What security standards does Akoya meet for fintech data access?

Akoya holds SOC 2 Type 2 certification and is NIST and FIPS-140 compliant. All network participants must meet rigorous security requirements that are reviewed regularly, and only fintechs and data aggregators that satisfy mandatory security controls and policies are permitted to join the network. Akoya uses OAuth-based connections to support data dependability and accuracy. Full detail on Akoya's security program is available on the Security page.

How can fintechs get started with Akoya?

Fintechs can get started with Akoya's self-service sandbox for developers by setting up a free account to access test data, then moving to production when ready. Akoya also provides a Data Recipient Hub with a dedicated Support Center, best practices guidance, API documentation, and a rich library of test data.

What data products does Akoya offer fintechs?

Akoya offers six API products covering the core categories of consumer financial data: Balances, Transactions, Accounts and Investments, Customers, Payments, and Statements. Each product is built on FDX-aligned APIs and is accessible only to vetted network participants with the consumer's explicit permission.

Does Akoya control the end-user authentication experience?

No. Akoya does not insert itself into the data recipient's user experience. Consumers authenticate directly with their own financial institution inside the fintech's consent flow, which keeps the fintech in control of its product experience while ensuring credentials are never shared with or stored by the third party.

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GROWING NETWORK

Akoya was built to serve all players in open finance

Our data access network is inclusive of the entire financial services industry and serves fintechs, data aggregators, and financial institutions. We are connected to 4,300+ financial institutions and securely power 7,000+ apps.

Fintech solutions

Whether you’re looking to connect your users to their data or align with open banking requirements, Akoya’s solutions for data recipient customers can help.

Secure data access

Power your use case with financial data access directly from leading financial institutions and core providers.

Use cases

Compliant data sharing

Make your user data available to authorized third parties in a secure way that complies with open banking regulations.

Learn more

Why Akoya

All the APIs through one integration

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Industry backed

Akoya is trusted by the largest banks and brokerages in the United States. All network participants are vetted and follow the same rules.

Developer focused

Self-service Data Recipient Hub with dedicated Support Center, best practices, and a rich library of test data.

Data dependability accuracy

OAuth-based connections enable consistent network uptimes from authorized data sources. Expect uniform data with consistent coverage across products.

Network security

Akoya holds a SOC 2 Type 2 certification and is NIST and FIPS-140 compliant. All network participants meet rigorous security requirements that are reviewed regularly.

What our customers say

“ Thanks to Akoya, we have higher conversion rates and are extracting more consistent data. Akoya’s data has allowed our team to focus on creating innovative products without worrying about failed connections or inaccurate information. ”

Featured resources

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Get started

Try our self-service sandbox for developers. Set-up a free account to access test data and move to production when you’re ready.

Try it now

Read API docs

Connect users to their financial data

GROWING NETWORK

Akoya was built to serve all players in open finance

Fintech solutions

Secure data access

Compliant data sharing

All the APIs through one integration

What our customers say

Featured resources

Real involvement makes or breaks open finance

Open finance, fully activated

What AI doesn't know about your audience

Beyond APIs: The strategic value of data out in open finance

Open finance is a program, not a project

The foundation beneath smarter credit: why infrastructure determines who gets access

How leading institutions are closing the open finance strategy gap

Combating the risks of screen scraping: A guide for financial institutions

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