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Join the Swiss Open Finance ecosystem

Blue icon Multibanking CH

AIS & PSS by Qwist

Qwist empowers banks to swiftly integrate into the Swiss multibanking and Open Finance ecosystem. Our comprehensive solution offers a secure connectivity layer for SIX bLink, ensuring seamless connection and user consent management. With a modular design, and flexible configuration options, our product not only addresses current multibanking needs but also prepares banks for future Open Finance use cases.

Effortlessly open your back-end systems

Overcoming multibanking challenges via secure APIs

In the era of Open Finance, banks need to grant third-party access to financial data and services through secure APIs. Unlike the EU’s regulatory approach, Switzerland’s market-driven strategy requires banks to voluntarily support Open Finance. To meet the Swiss federal council’s demands and avoid further regulation, the Swiss Bankers Association has committed to enabling multibanking for natural persons. However, opening back-end systems can be challenging, due to limited resources and technological capabilities.

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AIS & PSS Onepager

The most important facts, benefits, and how it works at a glance

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Blue icon Multibanking CH

Swiss-tailored third-party access

Qwist’s AIS & PSS offers an out-of-the-box solution to open your back-ends via APIs. Our modularized product includes a basic API management system tailored to banks, a configurable consent management module, a connector to the SIX bLink Open Finance platform, and support for standard Swiss market APIs. Our future-proofed solution can easily expand to accommodate additional Open Finance use-cases.
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Reduced Complexity

Our product complies with Swiss market standards (SIX bLink, SFTI) and is highly configurable to meet your needs.

Modular Integration

AIS & PSS leverages existing security and API solutions within your bank.

Rapid Deployment

Easy-to-integrate, scalable product ensures swift time-to-market.

Future-Proof Expandability

Supports multibanking in Switzerland and future Open Finance initiatives globally (e.g., OpenWealth).

How Qwist’s AIS & PSS for Switzerland works

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Out-of-the-box solution for participation in Open Finance and Multibanking in particular

Our solution provides all the necessary components to integrate into the Swiss Open Finance ecosystem and become a service provider for the Swiss Multibanking model. Built on our expertise, including the Qwist’s API Platform and Qwist’s API Consent Management, it supports third-party access with SFTI common APIs. Our configurable offering integrates seamlessly with existing bank components, such as IAM systems, and includes a configurable consent management module, a TPP management module, and a standard connector to SIX bLink. The solution can be operated on-premises or as a Software as a Service in a Swiss data center.
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Consent Management

Customizable UI supporting all types of multi-factor authentications (including SCA), ensuring end-user controlled account access authorizations.

Third-Party Management

Integrated client directory for SIX bLink connectivity, and also covering registration, authentication, and authorization for further third-parties.

Common APIs for account and payments

Based on SFTI standards (AIS and PSS APIs).

Standardized & Secure API Communication

Utilizing OAuth2, OIDC, FAPI, and ensuring secure API requests, based on agreed consent permissions.

API Management Infrastructure

Secure exposure, monitoring, alerting, developer experience, and support channels for arbitrary Open Finance use cases.

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Woman writing on a white board about using APIs
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From our many years of experience with Qwist, we know that we can roll out even complex API solutions efficiently and quickly with their standard products.

Marianne Wildi ● CEO

Hypothekarbank Lenzburg logo

Hypothekarbank Lenzburg AG is one of the first of currently 40 Swiss banks that have signed the “Memorandum of Understanding” to introduce multibanking for its customers. The bank is once again relying on the open finance platform from qwist.

Demo AIS & PSS

Still have questions about our AIS & PSS? Please contact us and we will happily provide you with advice!