Loans
Utilities
Investment
ERP Systems
eCommerce/ Retail
Insurance
Travel
No bank statements
Real-time bank transactions only
Quick and easy reconciliation
Immediate notification of account turnover
Data provided in a uniform and consistent format
Leave outdated and inefficient integrations behind and provide your customers with modern financial expertise.
Your app + Smart Accounts
What type of information can your customers access through Smart Accounts?
They receive transaction details instanly
Quickly reconcile receipts and expenses
Maintain continuous transparency of cash-flow
Bank transactions
They are informed on balances
Quickly decide which account to pay from
Avoid spending more than they have
Bank account balances
Easily access and view your transaction history without the need to manually log in to your banking apps repeatedly.
Continuous and automatic access to data
The bank details they receive are structured in a specific format that simplifies the process of reconciling accounts.
Fast reconciliations with structured data
Use the most up-to-date data at any time, and avoid using outdated information.
Real-time updated data
Accounts can be accessed without repeated access to banking applications, and have the highest level of security and data protection.
Maximum security
Offer your clients immediate and direct access to data, allowing them to react promptly to their financial statements.
Decisions without delay
Access to information is controlled by simple consent every 6 months.
Full control
Maximize your customers' financial operations using the unique automated bank account interrogation
Partners who have integrated Smart Accounts into their application
Discover how Smart Accounts can elevate your app to new hights
Smart Accounts offers you various development directions, empowering you to innovate
Provide recommendations for personal savings and investment strategies based on an analysis of users' banking history.
Enhance your customers' experiences and boost their loyalty towards your brand and products.
Enable seamless and secure financial transactions with instant data access.
Centralized bank account information at your users' fingertips, right in your app.
Provide users a single view of their income and expenses for better financial planning and decision-making.
Facilitate more precise financial projections, predict trends, and create forecasts for long-term income and expenses.
Understand the needs and preferences of your customers, and provide them with personalized products and services.
Increase access to credit by providing lenders with accurate and timely information about the creditworthiness of potential customers.
Gain a better understanding of your clients' unique needs by analyzing their financial behavior.
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Easily enroll consumers
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Provides real-time banking transactions
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Merchant partners' payments are reconciled quickly and consumer eligibility assessments are expedited
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Assists with personalized bidding by facilitating the analysis of consumer behavior
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Complies with the PSD2 Directive for secure data sharing and increased consumer trust
Loyalty points earned on purchases bring consumers substantial savings.
However, enrolling in such programs and quickly reconciling retail purchases can be challenging and time-consuming. Smart Accounts simplifies the whole process.
Cashback
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The only solution that solves the first step of any reconciliation: getting your bank details
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Eliminating bank statements and their administration
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Instant receipt and expense history by automatically interrogating your own or your customers' accounts
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Zero human effort consumed thanks to Smart Accounts
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Easily reconcile bank data as a single unit, regardless of the bank, for faster and more efficient processing
Every reconciliation starts with getting the transactions from the bank. Today, this repetitive process still requires manual effort. Smart Accounts makes change possible.
Reconciliation of receipts and expenses in accounting and ERP applications
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Automatically centralizes data from bank accounts with a single consent of the holder every 6 months
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View balances, receipts, and expenses for each account using Smart Accounts
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Offers immediate and up-to-date visualizations of your financial situation
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Eliminates the need to access banking applications repeatedly
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Ensures the highest level of personal data security
The mobile app provides real-time financial updates through Smart Fintech open banking solutions.
Personal Finance management - Ryke
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Easy experience for credit applicants: initiate the submission of account turnover directly from the lending process and platform
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Zero files exported from the bank and attached to the credit application
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The data is automatically transmitted to NFI in a standardized format
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Credit rating is fast, and transactions are easily identified.
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The time it takes to evaluate and respond to credit applications is getting shorter
Financiers must assess client creditworthiness. In most situations, account turnover provides the best clues. NFIs can quickly request this information through their platform's lending flow.
Lending and financing
(B2C and B2B NFIs)
Use cases: Discover where Smart Accounts has transformed financial operations
The mobile app that helps you keep track of your financial situation in real time, using only Smart Fintech's open banking solutions
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Enrol consumers easily
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Provides real-time banking transactions
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Facilitates quick reconciliation of payments recorded at merchant partners and reduces consumer eligibility assessment time
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Helps to customise supply by facilitating analysis of consumer behaviour
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Secures the whole process and builds consumer trust, with data sharing compliant with PSD2
Loyalty points earned on purchases bring consumers substantial savings.
However, enrolling in such programmes and quickly reconciling purchases at retailers is not always easy or quick. Smart Accounts simplifies the whole process.
Cashback
The mobile app that helps you keep track of your financial situation in real time, using only Smart Fintech's open banking solutions
-
Easy experience for loan applicants: initiate account turnover submission directly from the loan process and platform
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Zero files exported from the bank and attached to the credit application
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Data arrives at the NFI automatically, in a single format
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Creditworthiness assessment takes place quickly, transactions are easily identified
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Assessment and credit application response times decrease
Every financier needs to know the creditworthiness of his client.
In most situations, account turnover gives the best indication. Now, NFIs can request it directly from the credit flow on their platform.
Lending and financing
(B2C and B2B NFIs)
The mobile app that helps you keep track of your financial situation in real time, using only Smart Fintech's open banking solutions
-
The only solution that solves step 1 of any reconciliation: getting the data from the bank
-
Eliminating statements and managing them
-
Instantly obtain your collection and spending history by automatically querying your own or your customers' accounts
-
Zero human effort consumed thanks to Smart Accounts
-
Fast reconciliations with bank data organized in a single database regardless of bank
Every reconciliation starts with getting the transactions out of the bank. Today this repetitive process still requires manual effort. Smart Accounts makes change possible.
Reconciliation of receipts and expenses in accounting and ERP applications
Download and try Ryke for free
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Automatically centralizes bank account data with one-time consent of the account holder every 6 months
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Displays balances, receipts and expenses for each account with Smart Accounts
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Provides instant, real-time financial status view
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Eliminates the need to repeatedly access banking applications
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Ensures the highest level of personal data security