apibanking
All customer stories

From two years to four weeks: partner account opening, rebuilt

A leading private sector bank in India moved partner account opening onto Stitch. Fintechs, wealth platforms and employer portals now launch the bank's products in weeks, with compliance built in.

Stitch, behind the scenes

  • Mobile OTP
  • Customer lookup
A generic account opening journey in a partner app. Compliance runs inside Stitch at every step.

Challenge

The bank wanted its products wherever its customers already were: inside fintech apps, wealth platforms and employer portals. Execution was the bottleneck.

8–24 mofor every new partner

Most of that time went into working out what to build, not building it.

Every timecompliance was rediscovered

KYC, consent and regulatory checks were mapped from scratch on each engagement.

Zeroreuse between integrations

Custom code on both sides produced one-off artefacts. The next partner started from nothing.

Technology, compliance, security and business teams each owned a different stage. Every hand-off added friction, and sign-offs took months, often for systems that duplicated ones already approved.

Solution

The bank adopted Stitch, the apibanking.com backend for account origination and deposit journeys. Instead of handing partners raw APIs to assemble, Stitch gives each partner a ready journey in the format they prefer, with compliance embedded by design.

What changed for partners

BeforeWith Stitch
Search API catalogues to find the right servicesPick a product offering and configure it
Map KYC, consent and regulatory rules per journeyCompliance is built into every journey
Custom build inside the bank and the partner appApproved components, reused everywhere
Months of sign-offs across four teamsReview a pattern once, then self-serve

Results

Partners select a product, configure it and go live. The bank reviews each pattern once rather than re-approving the same system again and again.

Before
8–24 months
With Stitch
3–4 weeks
Discovery, gone

The longest phase of every integration is now effectively eliminated.

Live in weeks

New partners go live in 3 to 4 weeks, and that window keeps shrinking as the product matures.

Scale through partners

Multiple account opening experiences now run on Stitch, processing over 10,000 applications a month.

Largely self-serve

Partners onboard without cross-team hand-offs, so the bank’s teams stay focused on new products.

“Stitch is so simple to integrate with. The APIs, rules and workflows are elegantly designed, and integration with Stitch completes within a few weeks.”

Head of Integrations, leading private sector bank

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