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Our Blog

The P2P lending industry proved to the world that alternative financing models could work. In China, P2P lending grew from $30 million in 2009 to $7.8 Billion today. But it’s not the industry’s explosive growth that is truly revolutionary. The truth is, it’s the concept of peer to peer lending that changes the game. Something …

Kontomatik joins the ranks of top SaaS service providers like Amazon, Google Cloud or Salesforce, by launching Kontomatik Status page – a place where clients can learn the real-time status of supported banks. For each bank, we display a timeline of the past 7 days, colored in green, when everything is fine. If an outage …

Scandals, frauds, bankruptcies and wipe-outs are nothing unusual in the financial world. They accompanied the industry since it was born, and 2016 was no different. Last year there were a couple of failures that cost billions of dollars and could lead to serious problems in the whole global economy. Deutsche Bank One of the world’s …

Innovation in the financial services is certainly a hot topic. It is fueled by ever-growing investments in the fintech sector, outdatedness of the core banking systems and the regulation that requires banks to cater for the new technologies. However, with so many things on a table, it might be challenging to define the top banking …

Recently, we have conducted an interview with Rafał Gibczyński, CEO of SOLVEN & Polozyczka, an award-winning online lending platform. In this interview, you will find out the current status and the future plans of SOLVEN Sp. z o.o. and the secret sauce behind SOLVEN’s success. Hey there Rafał, could you briefly describe your background and …

There are many fintech startups that are changing how the world of finance works. The industry has been growing very fast and today we have so many financial technology companies that it became quite challenging to spot the most interesting ones. In this ultimate list, you will see the top fintech companies to keep your …

The final implementation date for PSD2 is fast approaching. This groundbreaking set of rules is deregulating payments in The European Union. What does PSD2 mean? You’ll find out everything there is to know about consumers, fintechs, and banks. This is Payment Services Directive 2 explained. Introduction – Why does the Meaning of PSD2 Matter? The …

Asian fintech has long been a buzzword. The biggest fintech companies in Asia utilize the mobile-reliant society and its willingness to integrate finance and technology. Fintech growth in Asia comes from conferences, particular countries, and already established fintechs. Here’s your guide to Asian fintech. Fintech in Asia is truly unique. Asian countries have a growing …

Alexader Widera is about to start the first Polish fintech startup that will be providing B2B loans. Find out more about his views about the Polish lending market, experience with Kontomatik integration, the importance of data sources, and more. Hey there Alexander, could you briefly describe your background and your role in Kredytmarket? Hello, I …

Fintech is one of the fastest growing industries. We have handpicked 10 most useful infographics that explain the world of the financial technologies. Browse through this article to get a better idea of what fintech is and how it works. Infographics are one of the greatest inventions to come out of social media and blogging. …

Europe and The United States definitely handle their fintech differently. From investment to resources involved, fintech looks very different between the two continents. The future outcome might surprise you. By some accounts, The United States with its technology hubs in California and The West Coast seems to dominate innovation across our everyday lives on a …

Today Kontomatik is happy to announce its expansion to another European Union member state – Italy. This country becomes the 10th geography covered by the Kontomatik Banking API. Konstantin Rabin Kontomatik +48 534 701 750 pr@kontomatik.com 02.11.2016 Warsaw, Poland: Today Kontomatik is happy to announce its expansion to another European Union member state – Italy. …

Online lending has been taking a large slice of the pie from both banking and regular lending institutions. While today most of the short-term consumer-lending happens takes place online, business owners still get their funding in an old-fashioned way. Let’s examine the main pros and cons of both online and offline lending and see where …

In most of the cases, a company is unable to offer financial services without identifying a customer. However, usually this process is either done offline or is performed online, but sloppily. In this article, we are going to take a look at the most common ways of verifying a customer identity online and will forecast …

As we approach 2017 insurance companies are going extinct at the same rate as old-fashioned banking institutions. Those that are not there yet will get swept under the rug at their refusal to innovate. Problems integrating with the 21st century are not just an absent digital presence, but instead the complete lack of a reactionary …

Kontomatik has just extended its geographical scope with Portugal. This country becomes the 9th geography covered by the Kontomatik Banking API, next to already existing UK, Poland, Czech Republic, Slovakia, Spain, Mexico, Brazil, and Russia. Konstantin Rabin Kontomatik +48 534 701 750 pr@kontomatik.com 18.08.2016 Warsaw, Poland: Kontomatik has just extended its geographical scope with Portugal. …

The Digital Era is not only about the entertainment we get streamed straight to our personal devices. It’s also about the way we use other services that once used to be settled in a very analog world of brick-and-mortar offices, with employees being your interface used in real time and face to face. Do you …

Kontomatik announces Financial Health Indicator (FHI), a lightweight solution engine for powerful credit assessment. The tool works in conjunction with Kontomatik Banking API, a connection to more than 100 banks that is already available in 9 countries. Kontomatik Financial Health Indicator is designed to serve small and medium size lending companies, as those often distribute …

The mobile segment of any market has been growing rapidly for the last decade and it is only forecasted to expand even further. While many companies adopt their services for mobile users,  it is still very challenging for the financial sector to onboard the clients via their smartphones. This article explains why and how to …

Today we will take a look at the main differences between online banks and traditional banks that offer internet banking systems. We are going to analyze the pros and cons of banking online and see how bright the future of banking for customers is going to be. Let’s find out more. Introduction to Online Banks …

WhatsApp has recently started with its end-to-end encryption. What are the main reasons behind it? There are many. Privacy concerns could be perhaps the most obvious one. Yet the most beneficial is certainly a potential integration of the messenger with the payment systems. Let’s find out how WhatsApp can start entering the industry of financial …

Recently Kontomatik banking API technology was adopted by a consumer lending company in Spain – Wanna. We interviewed its CEO and Founder, Aitor Chinchetru Perez to let you learn more about Wanna, consumer lending in Spain, and the benefits of using a banking API technology. Hey Aitor, could you briefly describe your background and your role …

Whether you are a fintech developer, an investor or just about to start-up your own company in the field of financial technologies, fintech events are the golden source of knowledge. Yet it is never possible to attend every single conference. Find out top fintech events to attend each year. The ground floor for the most …

Card-Linked Marketing (CLM) is a hot topic nowadays for many industries, yet it has not been explored significantly by the financial firms. This article explains the basics behind CLM, its status in the financial services industry and how it can be enhanced with a banking API technology. What is Card-Linked Marketing?   Card-Linked Marketing looks …

Banking API, PSD 2, XS2A and other terms are heard often in 2016. What do they all stand for? In this article, you will get answers to 10 burning questions about banking API technology. Treat it as your survival guide for understanding financial data aggregation. There are many questions and myths about a banking API. …

Banking sector certainly seems to lag behind the most recent technological developments. Today we are going to take a look at the four most prominent fields where a bank can start progressing already today. We are living in a truly changing world, in which banks will continue to transition from physical locations to an entire …

Lending is an activity that has been around for centuries as there always were people in need for extra funds and people with an excessive capital. Once the banks appeared, lending became one of their core products. Nowadays lending is transforming quite rapidly, there are online peer-to-peer lenders, payday loans and more. Let’s take a …

2015 has certainly been a great year for the financial technology industry. A number of investments in fintech is growing, the number of developers that disturb the financial sector is as big as never before. Yet not every start-up is equally successful. Today we are presenting you our list of the most innovative fintech companies …

Nowadays a mobile banking app has become “the most visited branch” of nearly any bank. This article uncovers a brief history of banking on mobile devices, explains the current trends in the mobility of financial services and recommends the best ways of increasing the conversions within the mobile branch of the bank. Mobile banking is …

Finovate is one of the largest events for Fintech industries. This February Kontomatik is granted a presenter’s slot at this event and our team will demonstrate the capabilities of Kontomatik Sign in Widget at this event. Don’t miss a great opportunity to learn more about our technology on 9th and 10th of February at London. …

When we used IDs to authenticate ourselves in banks, we were afraid of a situation when someone would steal our ID and take our money. Then bank or ATM cards raised similar fears; the same happened when we went online and started using login credentials. Now, with banking APIs or screen scraping, it’s absolutely OK …

The biggest meeting of the Spanish credit industry, the 7th National Credit Congress, recently took place in Madrid, Spain, on the 18th and 19th of November. Kontomatik sponsored the event, hosted a panel with 3 keynote speakers and was also one of the major highlights! This congress was a must-go event for our international expansion; …

Konstantin Rabin Kontomatik +48 534 701 750 pr@kontomatik.com 10.11.2015 Warsaw, Poland: Kontomatik announces its Sign in Widget, a lightweight, multilingual and multinational software that could be deployed within less than 3 minutes. Such a widget can be integrated with the bank’s, online lenders, personal finance management app’s website or any other fintech application, and it …

FinDEVr is the world’s largest event for the builders of the financial technologies. This has not been the first time for us to visit this venue, yet only this year we got a chance to present our technology. Read our experiences about visiting the event, presenting at it and watch the recording of the presentation. …

October 2015 will be known as the month that has probably changed the way payment processors, banks, lenders and other financial services players operate in EU. After a long waited Payment Service Directive is released, FinTech is on the raise. Find out why. Do you know what PSD is? No, I don’t mean the Photoshop …

Nowadays we hear about API as often as never before. Most of the Internet services come with API, but a few of us may still wonder – “what is API?”. API is an abbreviation from Application Programming Interface and if you look up Wikipedia, it would define it as protocols and tools that are used …

If you haven’t lived in the deep jungle for the past 2 years, you surely heard of Uber. This company revolutionized the way people can call a cab, but also ran into legal problems in many countries worldwide. And Uber is not the only example of how technology can enable great services and new experiences, …

When it comes to sharing data, the German banking sector is still way ahead. It introduced banking APIs 20 years ago. Only now are other countries catching up. Find out about how and why bank API standard developed and what the situation is in other countries. Imagine if every time you wanted to use Google …

Kontomatik supplies Banking API with the help of screen scraping technologies. In this post I would like to give some basic overview about this technology, its application in the financial sector and outside of it, and also to highlight the benefits of screen scrapers written in Java. What is Screen Scraping? Wikipedia would tell you …

Hey there, We are Kontomatik, a market leading developer of Banking API, which is available now in 10 countries. Our technology works like a charm and converts conservative organizations into innovators in already eight countries. In this first blogpost, we are going to tell you a bit more about Kontomatik as a company and provide …