Open banking is spreading in the Nordics

2 aprilie 2021

Santander Consumer Bank recently launched its new PFM app, Prosper

With more than 1.5 million customers across the Nordics, Santander Consumer Bank has a leading market position in the Nordic region. To build a forward-thinking, personal finance management (PFM) app that anyone can use to get full overview of their finances, Santander Consumer Bank recently partnered with Nordic API Gateway, an open banking platform that has built the most popular money app in Denmark with more than 380,000 users.

Prosper is a ‘financial friend’ that gives users a complete overview of their finances, no matter how many bank accounts they may have and regardless of where they bank,” says  Oskar Karlsson, who’s the Product Manager for open banking at Santander Consumer Bank.

Oskar Karlsson explains

With Prosper, we’ve done our absolute best to build a service for both Santander customers and non-Santander customers, as we want to help as many as possible get an overview of their financial life in one app across any bank,” he says. Oskar goes on to explain how Prosper is powered entirely on open banking: 

Open banking has opened the door to a new generation of financial services that is more user-centric than ever before. Now consumers have more freedom to choose between better products. At Santander Consumer Bank, we see open banking as a positive chapter full of new opportunities and Prosper is one of the new solutions we can create with open banking.” 

With the new partnership, Santander Consumer Bank has been able to launch its new service faster than ever before. Oskar explains: 

Because Nordic API Gateway includes data aggregation, categorization and cloud storage in one simple service, it’s been a lot easier for us to deploy new functionalities and services at a faster pace than ever before. For our users, it has a huge impact as well, as we’ve been able to create a super fast PFM app with close to no waiting time,“ he concludes. 

Prosper is already being rolled out in Denmark and later across the rest of the Nordics.


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Cifra/Declaratia zilei

Irina Chitu – country manager

„Cel mai bine este sa imprumuti maxim 25% din venitul net, pentru a sta linistit. Cata casa imi permit? Asta inseamna 4 ani de venituri.”

Afla aici sfaturile expertului


In 23 septembrie 2019, BNR a anuntat infiintarea unui Fintech Innovation Hub pentru a sustine inovatia in domeniul serviciilor financiare si de plata. In acest sens, care credeti ca ar trebui sa fie urmatorul pas al bancii centrale?