Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 1 category.
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Founded in 2008 in Munich as a bank data aggregation and analysis service, finAPI evolved into one of Germany's leading BaFin-licensed AISP/PISP providers under PSD2. Held by SCHUFA for several years, it was acquired by Italian Open Finance group Fabrick (Sella Group) in 2024/2025, becoming a core piece of a pan-European open finance / embedded payments platform. Product scope has extended from pure account aggregation to Data Intelligence (categorization, cashflow, risk, KreditCheck), KYC via GiroIdent, and SEPA / instant payment initiation.
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.
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alt="Ranked #21 of 87 in Open Banking — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/finapi/install" width="1" height="1" alt="" style="display:none">5 companies are linked to finAPI in the Embedded Finance Index 2026, through their own public disclosures or finAPI's published customer list, including ProSaldo.net, Vivid Money, FAAREN, BuchhaltungsButler and manubu gmbh.
finAPI is an embedded-finance provider in Open Banking. It ranks #21 of 87 Open Banking providers by linked companies.
The most-named Open Banking alternatives to finAPI are Plaid (296 buyers), Salt Edge (59 buyers), GoCardless (57 buyers), MX (56 buyers), TrueLayer (43 buyers) and Tink (41 buyers).
finAPI was founded by Florian Haagen and Martin Lacher and is founded in 2008, headquartered in Munich, Germany.
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