Finton Integrates API Network for Broad European Access
Financial platforms gain unified access to data from 2,700 banks to support cross-border product scaling.
Updated on Oct. 21, 2026 in Financial Services
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Finton has integrated Enable Banking infrastructure into its platform to aggregate financial data from 2,700 banks across 30 European countries. The partnership allows the firm to track user income, spending, and debt in real-time by leveraging PSD2 API connectivity.
Why it matters
By transitioning from isolated transaction lists to harmonized, real-time financial tracking, Finton aims to better identify user financial risks and opportunities. This integration serves as the technical backbone for the firm's planned expansion across multiple European markets.
The integration connects Finton to 2,700 banks across 30 countries, utilizing a network that handles 35 million API requests monthly. Enable Banking currently serves 200 partners in total as an authorized Account Information Service Provider.
The players
Finton
A Swedish financial platform that tracks user income, spending, debt, and savings habits.
Enable Banking
A Finland-based, FIN-FSA regulated provider of PSD2 API connectivity with ISO 27001 certification.
The details
Enable Banking provides a single integration layer that harmonizes disparate data formats from thousands of European financial institutions. This unified stream allows Finton to move beyond simple transaction displays, enabling it to track patterns in income, savings, and debt over time. The infrastructure relies on PSD2 API connectivity and operates under the regulatory oversight of Finland's FIN-FSA, backed by ISO 27001 certification for data security.
Timeline
October 21, 2026: Finton goes live with Enable Banking infrastructure.
Market Landscape
This integration follows the operational mandates established by the European Union's Revised Payment Services Directive (PSD2), which requires banks to open their data interfaces to authorized third-party providers. It marks a shift toward standardizing cross-border financial data to facilitate regional scalability.
Operators in the fintech space should monitor this consolidation model as a benchmark for reducing the technical complexity of cross-border financial data ingestion. Businesses should evaluate whether their existing connectivity providers offer similar PSD2 harmonization to support rapid geographic scaling.
The takeaway
Standardizing data through a single integration layer is becoming the primary path for scaling financial apps across the fragmented European market. Operators should monitor their API provider’s ISO 27001 status and regulatory standing to ensure compliance with evolving PSD2 oversight requirements.
Further reading
Explore more analysis of industry infrastructure trends in our Financial Services section.
Source note: This article includes information reported by Thepaypers.
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Would you feel more in control of your finances if one platform tracked all your accounts?
