Aggregation for retail banking

Turn fragmented account data into customer engagement and new deposits.

Powens’ Open Finance platform empowers leading banks to deliver engaging digital experiences and gather exceptional customer insights that drive real banking revenue.

  • 5M+Bank accounts connected and refreshed daily
  • 250Bn€Total balance of 
savings & assets synced
  • 1800Banks and investment platforms connected
Solution

Make mobile banking the centre of 
your customer’s financial life

Connect & aggregate users’ other bank accounts, savings, loans and investments. 100% white-label.

Retrieve strategic data on customers’ external assets: institution, balance, monthly movements, fees, and more.

By delivering competitive financial advice with 360° savings & investments views.

Benefits

Achieve real banking results

  • Attract more customers & deposits

    Boost onboarding UX and facilitate account switch with Open Banking.

  • Increase retention & satisfaction

    Provide accurate, centralized finance management and advice with budget features.

  • Boost NBI

    Collect personalized insights that elevate customer understanding and trigger next best actions for relationship managers.

How it works

From user actions to advisor decisions

“Powens’ renowned financial data aggregation know-how, its ability to upgrade the API to enable us to collect very specific data (…) really sealed the deal”

Patrick Alaguero Project Director
Use Cases

Unlock value beyond account aggregation – far beyond

  • Facilitate onboarding

    Secure onboardings by leveraging the identity and financial data from an external bank account.
    Easily onboard new customers by automating the detection of recurring debits on the user's current bank.
    Access your new customer's former bank account data to gather financial and behavioral insights and build a personalized experience.
  • Increase engagement

    Don't spend months or fortunes on complex budgeting features. We provide off-the-shelf, cost-effective solutions such as categorization, balance history and more.
    Make mobile banking a financial hub. Allow customers to centralize and track the performance of all their savings and investments. Help them make better plans.
    Insights on customers' broader financial profile (savings, loans, insurance) allow banks to surface the right product at the right time.
  • Understand your customers

    Allow advisors to increase the quality of their interactions with customers, with a holistic view on their financial context.
    Aggregate insights on customers' overall wealth, saving and spending behavior allow marketing teams to build more accurate segments and design more relevant offerings.
    A refined knowledge of customers' current assets and loans (even when external to the bank) results in increased ROI for marketing campaigns.
Why Powens

Powens is the #1 choice for large banks. Here’s why.

  • Enterprise hosting

    Includes dedicated sovereign SaaS and hybrid on-premise options.

  • Your own license & GDPR

    Our platform allows banks to use their own PSD2 license, risk policy, EULAs and GDPR terms.

  • Fully customisable UX

    Chose 100% white label integration, or use our optimised widget for maximum conversion rates

  • Multi-entity domains

    We support group-level admin with entity-level projects, access rights and data partitioning.

  • Bank-proof IT security

    We abide by your polices and perform yearly audits, pentests, and disaster recovery tests.

  • Enterprise support

    Many of us are bank alumni. We can handle large projects with multiple stakeholders.

Book a meeting with a bank expert

Let’s build the future of Open Finance together

Interested in becoming a partner? Contact us and our team will get in touch with you.

Powens enables banks to offer their customers a 360° view of their finances within the bank’s own mobile app — including accounts, savings and investments held at other institutions. This increases customer engagement, attracts deposits, and provides strategic data on customers’ external financial activities.

Banks can increase retention and satisfaction through accurate centralised finance management, attract more customers and deposits by improving onboarding UX and facilitating account switching, and boost net banking income (NBI) by collecting personalised insights that enable targeted next-best-actions for relationship managers.

The solution combines Transactions (for external account data), Wealth & Loans (for external savings, investments and loans), and Categorisation & Merchant Tagging (for spend analysis and customer profiling). As regulated entities, banks can choose 100% white-label integration or use Powens’ optimised widget.

Yes. Powens’ enterprise features include dedicated sovereign hosting (France), hybrid on-premise options, support for banks’ own PSD2 licences and GDPR terms, multi-entity domains with entity-level access rights and data partitioning, fully customisable UX, bank-grade IT security with yearly audits and pentests, and dedicated enterprise support from bank-alumni team members.

Powens’ customers include 10+ global banks such as BNP Paribas, Societe Generale and BPCE Group. Many of these institutions rely on Powens for both customer-facing aggregation features and internal data enrichment.

Banks can retrieve detailed data on customers’ external assets including institution names, balances, monthly movements and fees. This enables customer profiling, segment refinement, targeted campaigns, cross-selling opportunities, and data-driven advisory — turning fragmented financial data into deposits and revenue.

Frequently Asked Questions