As an Embedded Finance partner of Deutsche Bank you get the opportunity to offer exclusive financial products and services right at your point of sale. Unlock new revenue channels and make financial services a centerpiece of your new business model by building affiliate programs or marketplaces upon it.
The Times They Are a-Changin’. And so are your customers’ needs.
Do you remember the days when people had to go to a branch to make a bank transfer? In the future, your customers will also remember rather vaguely that there was a separation between financial services and their everyday lives. Whether at the checkout of an online shop, when getting gasoline or even buying a house, consumers will have instant digital access to financial products tailored to their personal situation – right where they need them.
What is Embedded Finance?
Embedded Finance allows you to integrate financial products directly into your own non-financial digital applications via APIs (Application Programming Interfaces). From "buy now, pay later" or opening bank accounts to taking out insurance: offer your customers access to financial services that perfectly match your own product offering - no matter what industry you're working in.
Give your customers access to financial services –exactly when and where they need it.
Become a fintech and start embedding Deutsche Bank products and services now.
Use cases for Embedded Finance APIs
CHECK24: Guiding consumers to a new bank account
Deutsche Bank enables digital account opening directly within the Check24 comparison portal. After an identity check by video, the account is opened immediately provided the creditworthiness is given. For Check24 users, this offers great convenience and significant time savings, as there is no need to print out, sign and send the application documents.
Eintracht Frankfurt's „mainpay“: the digital wallet for loyal football fans
In cooperation with Deutsche Bank, Eintracht Frankfurt offers its supporters a digital wallet within the club’s proprietary “mainaqila” app. Whether at Deutsche Bank Park or in everyday life - football fans can use "mainpay" at around 70 million acceptance points worldwide and turn their smartphones into their personal Eintracht Frankfurt-branded all-in-one payment solution.
What is your use case?
Secure your share
Experts predict a total market demand for Embedded Finance of more than seven trillion dollars in 2030.1
Become an Embedded Finance partner of Deutsche Bank and make financial services an essential part of your digital offering.
Embedded Finance - what’s in it for you?
Satisfy your customers
Streamline your customer experience and offer context-related financial products at just the right place.
Grow your business
Embed the user journey within your own app or website and benefit from high conversion rates.
Unlock new revenue
Re-sell Deutsche Bank products and services and earn competitive commissions.
Understand your customers
Maintain customer contact across the entire value chain and gain precious insights.
Push your brand
Integrate financial services into your own product design and keep full control of your front end.
See where you stand and learn from European experts:
The European Guide to Open Banking and Embedded Finance
Deutsche Bank’s 2022 edition: Analyzing hundreds of Open Banking and Embedded Finance providers across Europe.
Our Embedded Finance products
Cash Account Opening API
Let customers open current accounts directly within your application – fully digital from start to finish.
No switching back and forth between different applications: your customers can now open current accounts2 right within your own app – within minutes and seamlessly embedded from end to end. All they have to do is enter the required application data and identify themselves via video legitimation. All YOU have to do is implement Deutsche Bank's Cash Account Opening API and tap into new revenue sources.
Upcoming: Securities Account Opening API
Enable securities account openings in real-time – seamlessly embedded in your own product.
Give your customers the convenience they demand: simply implement Deutsche Bank's investment APIs and integrate our fully digital securities account opening process into your own branded product design. Within just a few minutes, your customers can complete the account application process, including instant customer verification via video legitimation.
Decoupled Wallet SDK
Boost customer loyalty with our white-labled digital payment solution – ready to use in just minutes
Easily integrate Deutsche Bank's digital payment solution into your existing mobile application. Make it a centerpiece of your new business model and build affiliate programs or marketplaces upon it. Customize the decoupled wallet to your own style and make your brand aware 24/7 while keeping the complexity of regulatory requirements hidden in the background.
Frequently Asked Questions
1 https://www.simon-torrance.com/blog/EmbeddedFinance1.
2 Deutsche Bank AktivKonto, BestKonto or Das junge Konto, norisbank Top-Girokonto or Girokonto plus.