Open Banking and Embedded Finance Platform

Thanks to PSD2, today various operators can launch their own payment systems, obtaining significant savings on the purchase of goods and services and developing new revenue streams from insights into cardholder spending habits – by analysing patterns and offering new tailor-made proposals.

TAS provides: expert advice on regulatory issues; solid experience derived from a pivotal role in the Banks-Fintechs-Regulators ecosystem; middleware aimed at harmonising and standardising TPP-ASPSP interfaces; sandbox facilities to accelerate and go-live; end-to-end coverage of onboarding and multi-channel payment processes.

For new non-bank operators who want to enter the world of innovative payments, TAS has created the "Light Core Banking for IMEL" solution which provides a series of components that facilitate end-customer management:

• Registry: a multi-tenant module to register and configure all end-customers and their authorised points of interactions. It provides functions for insertion, search, modification and deletion of both legal and natural persons.
• Conditions: allows you to configure and manage fees and conditions applicable to customers, to group them into “fee sets”, and to set up application rules with real-time execution or parametric frequency.
• Payment accounts:; this module can manage business, retail or technical accounts. It allows you to configure complex structures and implement hierarchically organised pools of accounts with master and slave accounts. There is an option to configure automatic cash pooling mechanisms among accounts.