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← Embedded Finance Index 2026/Vendor

Aiia

Provider
Open Banking

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.

aiia.com ↗Also analysed as a company — its own stack →
CategoriesOpen Banking
Rank#39 of 84 in Open Banking
Buyers2 companies
HeadquartersCopenhagen, Denmark
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Founders & story · from Aiia’s own dossier

Originally launched as Nordic API Gateway, Aiia built one of the leading open banking aggregation platforms in the Nordics, offering both account information services (AIS) and payment initiation services (PIS) under PSD2. The company rebranded to Aiia in 2021 and was subsequently acquired by Mastercard, becoming the backbone of Mastercard's European open banking platform. Post-acquisition, Aiia expanded its value proposition beyond Nordic bank connectivity to serve as a white-label open banking infrastructure provider for fintechs, payment companies, and merchants seeking seamless bank data and payment rails across Europe.

Full dossier: Aiia’s own stack, layer by layer →
Who uses Aiia
2 companies disclose Aiia in their stack
BillyZenegy
Buyer mix · 2 of 2 classified
Horizontal SaaS / Accounting · 1Horizontal SaaS / HR & Payroll · 1
EU · 2
What the disclosures say
Billy
“Billy's bank-integration support article explicitly routes users through 'AIIA' (Aiia, the Nordic open-banking aggregator, now part of Mastercard) to connect their bank account and pull transactions for reconciliation.”
Zenegy
“Its 'bank integration' feature (via Aiia) is read-only account information for reconciliation, not a BaaS account.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Aiia? Claim this profile above to unlock your own full list.
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Alternatives to Aiia

Other Open Banking providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Plaid274 buyers →MX56 buyers →Salt Edge54 buyers →GoCardless52 buyers →TrueLayer43 buyers →Tink40 buyers →Yapily40 buyers →Powens19 buyers →
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Ranked #39 of 84 in Open Banking — Embedded Finance Index 2026
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