apibanking

Platforms / External data access

AccessWay: your one-stop access to all external data and services.

Your differentiator is how well you leverage your external ecosystem. AccessWay gives you unified, standardised access to all data and services offered by the digital public infrastructure ecosystem, across data authorities, government and semi-government bodies, networks and aggregators, and other financial ecosystem participants.

Every data set, through one API.

Data on individuals and businesses lives across dozens of authorities and providers. AccessWay brings it together behind a single, standard contract.

Identity & e-KYCAadhaar, PAN, address proofCompany registrationCIN, TIN, GSTN, TANTax filingsITR, GST returnsBank statements & incomeAccount Aggregator, statementsFinancial statementsAnnual reports, audited accountsAsset ownershipVehicles, housing, landCredit bureau reportsMulti-bureau scores and historyOfficial documentsDigiLocker, certificatesAccessWayONE STANDARD APIYour bankLOAN APPLICATION · A-2048e-KYCVerifiedBureau score782IncomeVerifiedACCOUNT OPENINGSME ONBOARDING
Data on individuals and businesses, including identity, company registration, tax filings, bank statements, financial statements, asset ownership, credit bureau reports and official documents, flows through AccessWay as one standard API into your bank's journeys.

Working with the external data ecosystem, simplified.

How integrating with external providers changes when your bank connects once, to AccessWay, for all its channels and applications.

AreaTodayWith AccessWay
Integrations
Today
  • N × N integrations
  • Each bank application integrates with each DPI participant
With AccessWay
  • N × 1 integration
  • The bank connects to AccessWay once, for all its channels and applications
Vendor selection, pricing and onboarding
Today
  • Each bank application selects and onboards vendors for its own needs
With AccessWay
  • Vendors are onboarded once, centrally, and shared across all channels and applications
Switching cost
Today
  • High
  • Switching means re-integrating every bank application with the new vendor
With AccessWay
  • Zero
  • Channels and applications connect once to a standard contract, independent of the vendor
Business continuity and high availability
Today
  • Outside the bank application's control, reliant on the vendor
With AccessWay
  • In the bank's control, with high availability across vendors for every channel and application, on top of each vendor's own
New requirements
Today
  • Each bank application assesses, negotiates and contracts with new providers
With AccessWay
  • One point of contact. AccessWay onboards new providers once and makes them available to all channels and applications

One integration behind every journey.

AccessWay sits behind the journeys your bank runs, so the same verified data powers every product, channel and customer segment.

apibanking.comAccessWay

Data & service providers

  • Authorities
  • Networks
  • Fintechs & ISVs

Customer journeys

For
  • Individuals
  • SMEs & corporates
Through
  • Self-service
  • Staff-assisted
  • Bank channels
  • Partner channels
  • Corporate channels
  • Deposits & account opening
  • Lending
  • Cards
  • Servicing
AccessWay connects to authorities, networks, fintechs and ISVs, and powers customer journeys for individuals, SMEs and corporates across self-service, assisted, bank, partner and corporate channels, for deposits, lending, cards and servicing.

Inside AccessWay.

A single gateway for your channel apps, with the modules and platform services needed to reach, route and govern every external provider.

Channel apps

  • Mobile & web
  • Branch & staff
  • Partner apps

AccessWay

API gateway
Dev Console
  • Self-service portal for client applications to get API access
Unified APIs
  • Standard models for APIs
e-KYC
  • OTP-based and biometric Aadhaar e-KYC
Monitor, router and data store
  • Provider access
  • Routing engine
  • Cache & DB
Docs Portal
  • API catalogue and developer documentation
Income verification
  • Bank statement fetch
  • Bank statement analysis
  • AA: in-sourcing of FIP and FIU modules
Bureau
  • Multi-bureau data fetch
Platform
  • Usage logs & metrics
  • Approvals & workflows
  • Admin UI
  • Billing & allocation
  • FAPI-compliant APIs & integrations
External data & service providers

Authorities, networks, fintechs and ISVs

Channel apps connect through the AccessWay API gateway to the dev console, unified APIs, e-KYC, monitoring and routing, docs portal, income verification and bureau modules, all running on a shared platform, which in turn connects to external data and service providers.

Connect once to the whole ecosystem.