Tink

FinTecSystems GmbH, founded in Munich in 2014, is a prominent provider of banking APIs and smart data solutions in Germany. The company specializes in online banking-based information and payment services, offering an Open Banking platform that delivers Account Information and Payment Initiation Services. FinTecSystems focuses on analyzing financial data to assist banks, FinTechs, and payment service providers in making real-time loan decisions, minimizing credit risks, and facilitating online transactions. The company's analytics platform aids financial institutions in accurately assessing consumer creditworthiness through automated financial analysis. FinTecSystems is TÜV-certified and has received authorization from BaFin as an Account Information and Payment Initiation Service Provider. With a team of approximately 40 employees across five locations, the company collaborates with notable partners such as N26, Santander, DKB, and Deutsche Handelsbank.

Instantor AB, founded in 2010 and headquartered in Stockholm, Sweden, develops innovative application programming interfaces for the banking industry. The company specializes in online identification and financial data reports, utilizing real-time technology to provide insights into customers' financial situations. Instantor’s solutions process transactional data from bank accounts, facilitating financial data aggregation and enhancing credit risk management. This allows financial institutions to make quicker, more accurate credit risk decisions while reducing the likelihood of defaults. Instantor boasts over 300 integrated banks across more than 25 markets and serves around 200 clients in Europe, Latin America, and Asia. Recognized for its rapid growth, Instantor was ranked as the second fastest growing Fintech in Sweden by the Financial Times in 2019. It holds the distinction of being the first authorized FinTech by the Financial Swedish Authority to operate as an Account Information Service Provider under PSD2 regulations.

Eurobits Technologies, S.L., established in 2004 and based in Madrid, Spain, is a leading provider of PSD2 and financial aggregation services in Europe. Now a subsidiary of Tink AB, the company specializes in developing software solutions that gather and collate user data from various sources, including financial, non-financial, and public administration records. Eurobits serves a diverse clientele, including some of the largest financial institutions and fintech companies in the Euro-zone, with the aim of enhancing the digital economy through innovative technological services. As an independently owned B2B technology provider, Eurobits is dedicated to fostering cooperative innovation in advanced digital services.