Solutions > Open finance

Open Finance

Secure. Compliant. Scalable.

Responsiv provides cost-effective flexible Open Finance infrastructure designed to meet evolving regulatory demands, without slowing your business down.

Financial Network

Are you Ready for Open Finance?

Open Finance is transforming the financial services landscape. It expands beyond Open Banking to include a wider range of financial products, insurance, investments, pensions, mortgages, loans, and more.

It is no longer just banks that need to comply. The entire financial ecosystem is now part of the Open Finance journey.

Open Finance extends the benefits of Open Banking (PSD2/XS2A), increasing the availability of customer information and financial products, including information about insurance, investments, pensions, mortgages, loans, and more.


It is no longer just banks and building societies that need to demonstrate compliance, with Open Finance incorporating the wider Financial Services Industry.

Responsiv provide cost-effective and flexible Open Finance and Open Banking solutions that efficiently and securely meet regulatory demand.

Why Open Finance Matters

The future of finance is open, connected, and driven by data. With the right infrastructure you can:

  • Access and aggregate financial data securely
  • Build personalised financial products
  • Ensure compliance without slowing innovation
  • Drive innovation and competition across the industry

Responsiv provides the infrastructure to make it happen securely and efficiently.

Our Solutions

Open Finance Gateway

The Responsiv Cloud Open Finance Gateway is the latest iteration of the (award winning) Responsiv Open Banking Gateway; expanding capabilities in line with the scope of Open Finance.

Our Open Finance Gateway is an API hosting service configured and managed by Responsiv to the standards of resilience and security expected by the Financial Services. It acts as the ‘middle-man,’ to access and make data available for Third-Party Providers (TPPs).

The service includes fundamental capabilities needed to support, monitor, manage, and maintian Open Banking and Open Finance APIs. All components of the service, including hosting, data storage, and support are delivered from the UK.

This Open Finance Gateway requires installation of an API Pack to support specific API sets and standards. Packs are currently available for various versions of Open Banking UK APIs and Dutch Tax AML APIs.

Responsiv Cloud Open Finance Gateway

Client-Side Bridge

The Responsiv Unity Client-Side Bridge is used by the Open Finance Gateway to manage secure connections between internal systems and the Responsiv Cloud.

It can be configured to perform integration between standardised API calls made by a cloud platform, and one or more internal systems.

The advantages of having a Client-Side Bridge include:

  1. Protocols can be changed from those used internally (REST, Webservice, RPC, etc) to MQ or compressed formats to pass across the Internet or into the Responsiv Cloud
  2. The bridge is a single point of control for all ingress and egress of data, the indirection allows for internal systems to change their network locations, and be replaced or upgraded, without changes to the Cloud service or platform.
Responsiv Unity Client-Side Bridge Node

API-315 PACK

The Responsiv Cloud Open Banking API-315 Pack extends the Gateway to deliver core API functionality needed to satisfy PSD2/XS2 regulations in line with the Open Banking UK standards.

The exact needs to satisfy the regulation will vary depending on your specific website offerings and are subject to change as the regulation changes. In all cases it remains your responsibility to assure regulatory compliance.

Responsiv Cloud Open Banking API-315 Pack

More Information

Start your Open Finance Journey

Lets make Open Finance work for your business

What are you Interested in?
Industry