# Best Financial Data APIs - Page 6 *By [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)* Financial data APIs (application programming interfaces) are pieces of software that interact with financial applications to facilitate information access, transactions, and payments. Financial institutions leverage these APIs to improve the ease of integration, facilitate collaboration between financial partners, and improve the customer experience. The goal of a financial data API is to allow a user to retrieve financial information exactly when they want it. Financial data APIs bridge the gaps between disparate applications and facilitate straightforward data sharing between those applications for consumers, third-party vendors, business partners, and company employees. Businesses also use these APIs to sync data across multiple applications. These APIs connect to, and collect data from, legacy financial applications by receiving inbound requests, processing them, accessing the requested information, and sending a response. Users leverage financial data APIs to link and access information held in larger applications and financial databases. To qualify for inclusion in the Financial Data APIs category, a product must: - Access financial data - Connect multiple financial applications - Sync data across multiple applications - Be designed specifically for use in the financial sector ## G2 Grid® for Financial Data APIs ![G2 Grid® for Financial Data APIs plotting products by satisfaction and market presence](https://www.g2.com/categories/financial-data-apis/grids.png?focus%5B%5D=24201&focus%5B%5D=146655&focus%5B%5D=61707&focus%5B%5D=165553&focus%5B%5D=100578&focus%5B%5D=134212&focus%5B%5D=164585&focus%5B%5D=64488) Highlighted products: Plaid, Merge Unified, Stripe Connect, Finch, Mastercard API, RapidRatings, Rutter, and RESTful JSON API. Underlying data: [Grid® JSON](https://www.g2.com/categories/financial-data-apis/grids.json?focus%5B%5D=plaid&focus%5B%5D=merge-unified&focus%5B%5D=stripe-connect&focus%5B%5D=finch-finch&focus%5B%5D=mastercard-api&focus%5B%5D=rapidratings&focus%5B%5D=rutter&focus%5B%5D=restful-json-api) ## How Many Financial Data APIs Products Does G2 Track? **Total Products under this Category:** 226 ### Category Stats (Jul 2026) - **Average Rating**: 4.42/5 The average rating of products in this category, based on all submitted ratings - **Top Trending Product**: Plaid (+0.43%) - Among all products in this category, Plaid recorded the largest rating increase compared to last month *Last updated: July 08, 2026* ## How Does G2 Rank Financial Data APIs Products? **Why You Can Trust G2's Software Rankings:** - 30 Analysts and Data Experts - 1,400+ Authentic Reviews - 226+ Products - Unbiased Rankings G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category. ## Which Financial Data APIs Is Best for Your Use Case? - **Leader:** [Plaid](https://www.g2.com/products/plaid/reviews) - **Highest Performer:** [RESTful JSON API](https://www.g2.com/products/restful-json-api/reviews) - **Easiest to Use:** [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) - **Top Trending:** [Finch](https://www.g2.com/products/finch-finch/reviews) - **Best Free Software:** [Merge Unified](https://www.g2.com/products/merge-unified/reviews) --- **Sponsored** ### Flinks Flinks is the creator of a powerful no-code platform and financial data APIs that make it easy and efficient for your team to build with financial data. Trusted by millions of individuals accessing financial services at world-class companies, our purpose is to make the struggles of open banking a thing of the past. Flinks at-a-glance: ● Enrichment — Upgrade your data stack to power data-driven use cases with actionable insights Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations or open-banking providers—extracting actionable, model-ready insights for credit risk analysis, income verification, life event detection or fraud prevention couldn’t be easier. “Flinks Enrichment provides us with the capability to easily aggregate consumer employment and debt servicing data, allowing our team to fully automate the underwriting process.” —Alex Yi, Fincentify ● Connectivity — Power your solutions with the most performing financial data API Consumers want to use your services—let them easily and securely connect their financial accounts and share the data you need. From KYC to transactional data and assets, Flinks Connectivity is the backbone that will power your business and put you ahead of the competition. “With Flinks we’re able to onboard thousands of clients daily in a matter of minutes, making a complex process as simple and frictionless as possible.” —Laura Lampe, Wealthsimple [Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=1336&secure%5Bchosen_at%5D=2026-07-08T20%3A46%3A11Z&secure%5Bdisplayable_resource_id%5D=1336&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=page_category&secure%5Bplacement_resource_ids%5D%5B%5D=1336&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=43004&secure%5Bresource_id%5D=1336&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Ffinancial-data-apis%3Fpage%3D6&secure%5Btoken%5D=a7fdbdef553c0e0311b208a4ce3a1872c73eb173a23dd73d93a47b0d919609b2&secure%5Burl%5D=https%3A%2F%2Fwww.flinks.com%2F%3Futm_campaign%3Dg2-clicks-financial-data-api%26utm_source%3Dg2%26utm_medium%3Dcpc&secure%5Burl_type%5D=custom_url) --- ## What Are the Top-Rated Financial Data APIs Products in 2026? ### 1. [Creduse](https://www.g2.com/products/creduse/reviews) Creduse is an API service that allows to easily integrate a credit system into apps and games. - Easily start a credit cycle for your users, allowing them to receive credits for performing actions or accessing premium content in your application. - Subtract credits from a user's balance when they perform actions or access premium content in your application. - Retrieve a user’s current credit balance to display in your application, keeping them informed of their credit status. - Access a user’s transaction history to view details of their credit usage and activity within your application. Attract new users and keep them engaged, boosting your application's growth and user loyalty. **Who Is the Company Behind Creduse?** - **Seller:** [Creduse](https://www.g2.com/sellers/creduse) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/creduse/ (1 employees on LinkedIn®) ### 2. [Currencylayer](https://www.g2.com/products/currencylayer/reviews) Reliable Exchange Rates & Currency Conversion API - Advanced Data Coverage Get instant access to 168 world currencies and precious metals, and historical data for the past 19 years. - Real-time Updates Depending on your subscription, exchange rates are delivered every 60 minutes, 10 minutes, or 60 seconds. - 256-bit HTTPS Ensure secure and encrypted datastreams by connecting to the API via industry-standard HTTPS. - Interactive Documentation Once signed up, you will be able to try out the API's features as you go through their Documentation. **Who Is the Company Behind Currencylayer?** - **Seller:** [Currencylayer](https://www.g2.com/sellers/currencylayer) - **Year Founded:** 2015 - **HQ Location:** Vienna, Vienna, Austria - **LinkedIn® Page:** https://www.linkedin.com/company/apilayer/ (16 employees on LinkedIn®) ### 3. [Data Access Network](https://www.g2.com/products/data-access-network/reviews) Akoya’s Data Access Network provides a single, standardized API connection point that links financial institutions, fintechs, and aggregators. Instead of managing multiple one-off integrations, participants connect to Akoya once and exchange financial data securely. Built with 100% API standards and OAuth-based authentication, our network ensures reliable, real-time data sharing without storing or sharing sensitive information. This streamlined approach reduces technical complexity, enhances security, and enables faster, more reliable connections. With Akoya, financial institutions and fintechs can focus on building innovative, customer-first experiences, all while benefiting from a scalable, unified network that makes data access simple and secure. **Who Is the Company Behind Data Access Network?** - **Seller:** [Akoya](https://www.g2.com/sellers/akoya) - **Year Founded:** 2020 - **HQ Location:** Boston, US - **LinkedIn® Page:** https://www.linkedin.com/company/akoyanetwork/ (114 employees on LinkedIn®) - **Ownership:** Private ### 4. [DataScope Select](https://www.g2.com/products/datascope-select/reviews) DataScope Select is a comprehensive data delivery platform that provides on-demand access to non-real-time pricing and reference data for over 80 million active and retired securities. Designed to cater to diverse user needs, it offers flexible connectivity options, including a graphical user interface (GUI), FTP/SFTP, and API integrations, ensuring seamless integration into various workflows. Key Features and Functionality: - Extensive Data Coverage: Access a vast universe of over 80 million securities, encompassing a wide range of asset classes. - Flexible Delivery Mechanisms: Choose from multiple connectivity options such as GUI, FTP/SFTP, and API to suit your platform requirements. - Independent Evaluated Pricing: Benefit from daily, transparent valuations that comply with regulatory standards. - Rapid Onboarding: Get your team operational within 30 minutes through a simple and intuitive onboarding process. - Point-in-Time Data Capture: Calculate net asset values using precise point-in-time pricing data. Primary Value and User Solutions: DataScope Select addresses the critical need for timely and accurate financial data by offering a flexible, on-demand delivery system. Its extensive coverage and adaptable integration options make it an ideal solution for portfolio managers, fund administrators, and financial analysts who require reliable data to inform investment decisions, ensure compliance, and enhance operational efficiency. **Who Is the Company Behind DataScope Select?** - **Seller:** [London Stock Exchange Group (LSEG)](https://www.g2.com/sellers/london-stock-exchange-group-lseg) - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/london-stock-exchange-group/ (23,319 employees on LinkedIn®) - **Ownership:** LON: LSEG ### 5. [Digitap.ai](https://www.g2.com/products/digitap-ai/reviews) An AI-powered end-to-end API platform for banking and FinTech. The company offers a variety of solutions to financial institutions including onboarding suites, customer verification via alternate data set, bank verification through aggregator network, and expense manager or PFM platform. Digitap boasts a 99% customer satisfaction rate and works with many large companies. **Average Rating:** 4.0/5.0 **Total Reviews:** 1 **How Do G2 Users Rate Digitap.ai?** - **Quality of Support:** 6.7/10 (Category avg: 8.6/10) - **Ease of Use:** 8.3/10 (Category avg: 8.8/10) **Who Is the Company Behind Digitap.ai?** - **Seller:** [Digitap.AI](https://www.g2.com/sellers/digitap-ai) - **Year Founded:** 2019 - **HQ Location:** Bengaluru, IN - **Twitter:** @DigitapAI (16 Twitter followers) - **LinkedIn® Page:** http://www.linkedin.com/company/digitap-ai (128 employees on LinkedIn®) **Who Uses This Product?** - **Company Size:** 100% Small-Business #### What Are Recent G2 Reviews of Digitap.ai? **"[Best Digital infrastructure for banking](https://www.g2.com/survey_responses/digitap-ai-review-9923427)"** **Rating:** 4.0/5.0 stars *— Rohit S.* [Read full review](https://www.g2.com/survey_responses/digitap-ai-review-9923427) --- ### 6. [DirectID](https://www.g2.com/products/the-id-directid/reviews) DirectID is a global credit and risk platform that is redefining the industry for both lenders and their consumers by leveraging your customers real-time bank data. Our platform leverages Open Finance and bank statement data to help you understand your customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries. By using the DirectID platform our customers have increased conversion (~45% increase), reduced costs through faster decisioning (days to seconds), decreased fraud rates (~7.5%) while providing the end-users with the convenience they demand. Today DirectID powers some of the world's biggest brands from banking, consumer and SME lending through to the gig economy, gambling and others. As your trusted partner, our focus is to deliver value from bank data, to understand your challenges and provide the support you need, when you need it. DirectID’s platform provides global access to bank data through over 13,000+ connections across 65 countries supporting access to over 1.5bn people through one simple integration. Our insights provide solutions to common lending questions such as affordability, income verification, expense categorisation, cash flow, emerging financial distress, and more, and are all available directly or through the platform itself. The business is authorised by the FCA to provide AISP (Account Information Service Provider) services. **Who Is the Company Behind DirectID?** - **Seller:** [The ID](https://www.g2.com/sellers/the-id) - **HQ Location:** N/A - **Twitter:** @the_idco (13 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/the-interior-design-company/?originalSubdomain=id (43 employees on LinkedIn®) ### 7. [dxFeed Bookmap](https://www.g2.com/products/dxfeed-bookmap/reviews) dxFeed Bookmap is an innovative data visualization tool and offers an advanced interface to monitor the dynamics of Depth of Market (DOM) and the evolution of the order book. dxFeed Bookmap provides its users a clear and transparent view of the market, empowering them to make better decisions with new information. At the core of dxFeed Bookmap is the Order-Book Heat-Map. This powerful tool provides the user a clear visualization of the dynamics of market depth. **Who Is the Company Behind dxFeed Bookmap?** - **Seller:** [dxFeed](https://www.g2.com/sellers/dxfeed) - **Year Founded:** 2016 - **HQ Location:** München, DE - **Twitter:** @devexperts (1,052 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/11298799 (89 employees on LinkedIn®) ### 8. [DynTech](https://www.g2.com/products/dyntech/reviews) Dynamics Technologies provides an all-in-one proprietary trading platform. Our fully equipped turnkey solution - including the client’s cabinet and back-office software - is the solution you’re looking for! The platform supports simultaneous trading of Cryptocurrency and Equities. Built with an aim to provide simplicity, transparency and modern design at a reasonable price. The platform leverages innovative technologies to bring the best trading experience and branding possibilities. **Who Is the Company Behind DynTech?** - **Seller:** [Dynamic Technologies](https://www.g2.com/sellers/dynamic-technologies) - **Year Founded:** 2020 - **HQ Location:** new york, US - **LinkedIn® Page:** http://www.linkedin.com/company/dyntechnology (16 employees on LinkedIn®) ### 9. [Earnings Call API](https://www.g2.com/products/earnings-call-api/reviews) EarningsCall.biz API is an enterprise-grade financial data infrastructure solution built for organizations and independent professionals who demand programmatic, real-time access to earnings call intelligence. From large institutions to solo researchers, the API delivers structured transcripts, audio data, and AI-ready content from thousands of publicly traded companies — eliminating the manual overhead of monitoring and processing earnings disclosures. For consulting companies, the API enables rapid development of client-facing research tools, custom financial dashboards, and automated reporting pipelines that surface earnings insights at scale — without building data collection infrastructure from the ground up. AI and data startups can leverage the API as a high-quality, continuously updated training and inference data source. Whether fine-tuning large language models on financial discourse, building sentiment analysis engines, or developing NLP-powered investment tools, EarningsCall.biz provides the clean, structured corpus that modern AI applications require. Research firms, independent analysts, and academic researchers gain programmatic access to historical and real-time transcripts, enabling systematic cross-company and cross-sector analysis. The API supports both institutional research workflows and individual investigative projects — allowing anyone to extract guidance language, management tone, and key financial metrics at a speed and depth that manual review simply cannot match. For hedge funds, the API serves as a critical signal layer — feeding proprietary trading models, alternative data pipelines, and systematic strategies with timely earnings call content the moment it becomes available, delivering a measurable edge in fast-moving markets. Reliable, scalable, and developer-friendly, the EarningsCall.biz API is the foundational data layer that serious financial intelligence work — whether institutional or individual — is built on. **Who Is the Company Behind Earnings Call API?** - **Seller:** [Earnings Call](https://www.g2.com/sellers/earnings-call) - **HQ Location:** Austin, US - **LinkedIn® Page:** https://www.linkedin.com/company/earningscall/ (2 employees on LinkedIn®) ### 10. [EarningsWave](https://www.g2.com/products/earningswave/reviews) Stock earnings and news api **Who Is the Company Behind EarningsWave?** - **Seller:** [EarningsWave](https://www.g2.com/sellers/earningswave) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 11. [Electra Data](https://www.g2.com/products/electra-data/reviews) Electra provides award-winning post-trade operations workflow solutions and data services for reconciliation, trade matching, settlement and fee billing to global institutional buy-side firms. Asset managers, hedge funds, fund administrators and outsourced service providers use Electra solutions across their middle and back offices to reduce and manage risk, improve operational efficiencies, accelerate fee billing and revenues, and enhance counterparty and investor experiences. Firms can quickly scale to business demands and gain value from Electra’s innovative, patented technology across the post-trade process. **Who Is the Company Behind Electra Data?** - **Seller:** [Gresham Technologies](https://www.g2.com/sellers/gresham-technologies) - **Year Founded:** 1969 - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/greshamtech (346 employees on LinkedIn®) ### 12. [eMACH.ai](https://www.g2.com/products/emach-ai/reviews) eMACH.ai is a groundbreaking and transformative technology platform designed using First Principles Thinking to significantly simplify technology in the banking and insurance sectors. Zip coded 329 Microservices, 535 events and over 1757 APIs is the most comprehensive Open Finance Vault for designing customer desirability-based solutions vs traditional product pivoted solutions. This intelligent open finance platform keeps a bank’s customer in focus, be it Retail, HNI, SME, or Corporate, the events in their financial journey, or events created by bank operations or events generated by regulators and compliance. Financial institutions orchestrate their offerings based on these events to ensure customer satisfaction and regulatory compliance. A Business Impact Technology being launched for banks and financial institutions worldwide, eMACH.ai helps banks Transform their Growth, Operations, Experiences, and Capabilities with the Intellect suite of products, where eMACH.ai is embedded. It is a very foundational and disruptive suite to dramatically simplify Banking and Insurance technology world especially for Transforming Core banking, Lending, Wealth, Corporate, Trade and Underwriting platforms. **Who Is the Company Behind eMACH.ai?** - **Seller:** [Intellect Design Arena Ltd](https://www.g2.com/sellers/intellect-design-arena-ltd) - **Year Founded:** 1993 - **HQ Location:** Chennai, Tamil Nadu, India - **LinkedIn® Page:** https://www.linkedin.com/company/intellect_design_arena/ (7,453 employees on LinkedIn®) ### 13. [EODHD Financial Data APIs](https://www.g2.com/products/eodhd-financial-data-apis/reviews) EODHD APIs is a financial data API platform that provides developers and financial professionals with programmatic access to historical and real-time market data across global exchanges. The platform delivers extensive financial datasets through RESTful APIs and WebSocket connections, covering equities, ETFs, mutual funds, indices, options, forex, cryptocurrencies, and commodities. EODHD supports software teams building financial products, quantitative analysts running backtests, enterprises ingesting bulk market data, and researchers studying market behavior. EODHD APIs is used across several core workflows in financial software development. Application builders use it to power stock screeners, portfolio trackers, charting tools, and trading dashboards. Quantitative teams use long-range historical data (30+ years) to backtest strategies and validate models. Data science and AI teams use structured market and fundamental datasets to train machine learning models and large language models. Financial institutions integrate the APIs into internal systems for monitoring, reporting, and compliance-related processes. Key capabilities include: - Market data coverage: Access to 150,000+ tickers across 60+ global exchanges, including end-of-day history, intraday bars (1-minute to hourly), and real-time quotes via WebSocket (sub-50 ms latency for US stocks, forex, and crypto). - Fundamental data: Company financials (balance sheet, income statement, cash flow), ESG ratings, insider transactions (SEC Form 4), and institutional holdings for stocks, ETFs, and mutual funds. - Alternative data: Financial news aggregation with sentiment analysis, economic calendar events, macro indicators, and options chains with Greeks calculations. - Developer tools: SDKs for Python, R, C#/.NET, Java, and PHP/Laravel, plus integrations for Excel, Power BI, Postman, and MCP (Model Context Protocol) for AI-agent workflows. - Data access and evaluation: Browser-based API testing, demo API keys for evaluation, and tiered subscription plans including a free tier for prototyping. The platform maintains backwards compatibility across API updates to reduce version migration work. Reported data issues can be reviewed and corrected through a support workflow. EODHD operates in the financial data API category alongside providers such as Alpha Vantage, Polygon, Quandl, IEX, Tiingo, and Finnhub, with a pricing approach that bundles multiple data types under single subscriptions rather than charging separately per dataset. **Who Is the Company Behind EODHD Financial Data APIs?** - **Seller:** [Unicorn Data Services](https://www.g2.com/sellers/unicorn-data-services) - **Year Founded:** 2017 - **HQ Location:** Lyon, FR - **LinkedIn® Page:** https://www.linkedin.com/company/unicorn-data-services (14 employees on LinkedIn®) ### 14. [Episode Six](https://www.g2.com/products/episode-six/reviews) Episode Six is a cloud-based financial technology platform that empowers banks, financial institutions, and enterprises to develop and manage innovative digital payment solutions. By integrating seamlessly with existing payment infrastructures, Episode Six enables the rapid creation and customization of consumer-centric payment products, addressing the evolving demands of the digital economy. Key Features and Functionality: - Issuer Processing: Supports a comprehensive range of card products, including prepaid, debit, credit, commercial, installment, and virtual cards. - Ledger Management: Offers robust virtual accounts, revolving credit, installment plans, loans, and interest-bearing deposit solutions. - Modular Architecture: Provides a flexible, API-driven platform that allows for real-time configuration and integration, facilitating the swift launch of new payment products. - Cloud-Native Infrastructure: Ensures scalability, resilience, and high performance, enabling clients to adapt quickly to market changes. - Comprehensive Dashboard: Equips teams with an intuitive, permission-based interface for efficient risk management, customer servicing, and product oversight. Primary Value and User Solutions: Episode Six addresses the challenges faced by financial institutions in modernizing their payment systems by providing a versatile and scalable platform. It allows clients to innovate without overhauling existing infrastructures, reducing time-to-market for new products and enhancing customer engagement. By offering a wide array of customizable payment solutions, Episode Six enables organizations to meet diverse customer needs, drive growth, and maintain a competitive edge in the rapidly evolving financial landscape. **Who Is the Company Behind Episode Six?** - **Seller:** [Episode Six](https://www.g2.com/sellers/episode-six) - **Year Founded:** 2015 - **HQ Location:** Austin, Texas, United States - **LinkedIn® Page:** https://www.linkedin.com/company/episode-six (161 employees on LinkedIn®) ### 15. [exchangeratesapi](https://www.g2.com/products/exchangeratesapi/reviews) Real-Time, Intraday & Historical Market Data API Free, easy-to-use REST API interface delivering currency exchange rate data Updated Every Minute Obtain real-time, accurate and reliable currency exchange rate data for hundreds of worldwide currencies, updated as often as every 60 seconds. 200+ Currencies Our API is integrated with a number of highly reputable foreign exchange rate sources, offering the most recent and accurate rates for 200+ pairs. Simple, Quick & Reliable Make use of a scalable infrastructure that can handle anything from a few requests a day up to thousands of API requests per second. No Credit Card Required Integrate the API in under 10 minutes without the need of a credit card. You will get 250 monthly requests for free, premium plans start at $10. **Who Is the Company Behind exchangeratesapi?** - **Seller:** [Idera, Inc.](https://www.g2.com/sellers/idera-inc-6c9eda01-43cf-4bd5-b70c-70f59610d9a0) - **Year Founded:** 1999 - **HQ Location:** Houston, TX - **Twitter:** @MigrationWiz (482 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/bittitan (73 employees on LinkedIn®) ### 16. [Experian Advanced Eligibility (UK)](https://www.g2.com/products/experian-advanced-eligibility-uk/reviews) Experian's Advanced Eligibility is a solution designed to enhance the credit application process by leveraging Open Banking data. It provides lenders with a comprehensive view of a consumer's financial profile, enabling more accurate credit risk assessments and personalized product offerings. Key Features and Functionality: - Comprehensive Financial Insights: Utilizes Open Banking data to offer a detailed understanding of a consumer's income, expenditure, and overall financial behavior. - Personalized Product Matching: Enables lenders to present consumers with credit products and rates that align closely with their financial circumstances. - Enhanced Application Process: Streamlines the credit application journey, reducing drop-out rates by providing consumers with clear information on their eligibility and potential credit terms upfront. - Increased Conversion Rates: By pre-qualifying consumers, lenders can focus on applicants who are more likely to be approved, thereby improving acceptance rates without increasing risk. - Simplified Integration: Requires minimal technical integration, allowing for easy adoption and maintenance. Primary Value and User Benefits: Advanced Eligibility addresses the challenge of accurately assessing a consumer's creditworthiness by incorporating real-time financial data through Open Banking. This approach benefits consumers by providing instant access to fairer credit and personalized offers, enhancing transparency and confidence in the credit application process. For lenders, it facilitates better credit risk decisions, increases the quality of leads, and drives higher conversion rates, all while maintaining compliance with affordability criteria. **Who Is the Company Behind Experian Advanced Eligibility (UK)?** - **Seller:** [Experian](https://www.g2.com/sellers/experian) - **Year Founded:** 1826 - **HQ Location:** Dublin, Ireland - **Twitter:** @Experian_US (38,771 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/experian (26,191 employees on LinkedIn®) - **Ownership:** LSE: EXPNL ### 17. [Experian Buy Now Pay Later Data (UK)](https://www.g2.com/products/experian-buy-now-pay-later-data-uk/reviews) Experian's Buy Now Pay Later (BNPL) Data service offers comprehensive insights into consumers' BNPL usage, enabling lenders to make informed credit decisions. With over 17 million UK consumers utilizing BNPL services, this data provides a previously unavailable view of spending and repayment behaviors. Key Features and Functionality: - Reciprocal Data Sharing: Collaborates with major BNPL providers to share payment data, offering a holistic view of consumer financial activities. - Comprehensive Coverage: Access to detailed transaction information and aggregated metrics, ensuring a thorough understanding of BNPL usage. - Flexible Access: Data is available through APIs for immediate integration or via batch append for proactive customer management. - Analytical Tools: Provides a suite of analysis, reporting, and delivery tools for flexible data consumption and utilization. Primary Value and Solutions: Experian's BNPL Data service addresses the challenge of previously invisible BNPL usage by providing lenders with critical insights into consumers' spending and repayment behaviors. This enhanced visibility allows for more accurate assessments of creditworthiness and affordability, leading to better-informed lending decisions. By integrating BNPL data, lenders can improve customer acquisition, manage credit risk effectively, and support responsible lending practices. **Who Is the Company Behind Experian Buy Now Pay Later Data (UK)?** - **Seller:** [Experian](https://www.g2.com/sellers/experian) - **Year Founded:** 1826 - **HQ Location:** Dublin, Ireland - **Twitter:** @Experian_US (38,771 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/experian (26,191 employees on LinkedIn®) - **Ownership:** LSE: EXPNL ### 18. [Experian Categorisation as a Service (UK)](https://www.g2.com/products/experian-categorisation-as-a-service-uk/reviews) Experian's Categorisation as a Service (CaaS) is an advanced solution designed to automate the analysis of bank and credit card transactions. Utilizing sophisticated machine-learning algorithms, CaaS efficiently categorizes up to 12 months of a customer's financial transactions into over 180 distinct income and expenditure categories. This automated categorization provides organizations with invaluable insights into their customers' financial well-being, enabling a comprehensive understanding of income, spending habits, and credit behavior. Key Features and Functionality: - Comprehensive Transaction Analysis: CaaS processes up to a year's worth of bank and credit card transactions, offering a detailed breakdown into numerous income and expenditure categories. - Machine Learning Algorithms: Employs advanced machine-learning techniques to ensure accurate and efficient categorization of financial data. - Flexible Deployment Options: Available for batch processing, cloud integration, or real-time analysis as part of an Open Banking data exchange, providing versatility to meet various organizational needs. - Enhanced Decision-Making: Delivers access to verified income and expenditure data, supporting more informed and accurate decision-making processes. Primary Value and Solutions Provided: CaaS offers organizations a holistic view of their customers' financial situations, enabling them to: - Reduce Underwriting Time: Accelerate the underwriting process by providing immediate insights into a customer's financial health, leading to quicker and more accurate lending decisions. - Improve Decision Accuracy: Enhance the precision of credit assessments by understanding customers' earning, spending, and saving patterns, ensuring that lending decisions are based on a comprehensive financial profile. - Proactive Customer Management: Identify changes in financial behavior to proactively manage customer relationships, address potential issues before they escalate, and offer personalized financial solutions. - Comprehensive Financial Picture: As the only solution in the UK that categorizes both bank and credit card transactions, CaaS provides a complete and detailed view of a customer's financial commitments and behaviors. By leveraging CaaS, organizations can enhance customer experiences through personalized services, mitigate risks by identifying financial vulnerabilities early, and make more informed decisions that align with both customer needs and business objectives. **Who Is the Company Behind Experian Categorisation as a Service (UK)?** - **Seller:** [Experian](https://www.g2.com/sellers/experian) - **Year Founded:** 1826 - **HQ Location:** Dublin, Ireland - **Twitter:** @Experian_US (38,771 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/experian (26,191 employees on LinkedIn®) - **Ownership:** LSE: EXPNL ### 19. [Experian Commercial Acumen (UK)](https://www.g2.com/products/experian-commercial-acumen-uk/reviews) Experian Commercial Acumen is a comprehensive solution designed to streamline and enhance the lending process for small and medium-sized enterprises (SMEs). By integrating multiple data sources into a unified platform, it provides lenders with a consolidated view of a business's financial health, enabling faster, more accurate, and cost-effective lending decisions. This innovative approach leverages Open Banking data, management accounts, and Experian's trusted credit information to offer a holistic understanding of a company's financial status. Key Features and Functionality: - Unified Data Integration: Combines current account transactions from Open Banking with management account data and overlays it with Experian’s extensive credit information, delivering a comprehensive financial profile of the SME. - Extensive Data Access: Provides access to the UK's largest database of commercial credit data, including up to three years of transaction history (with consent) from business current accounts. - Flexible Delivery Options: Offers data through an 'off-the-shelf' portal for quick access or via a suite of APIs for seamless integration into existing systems, reducing the complexity and cost associated with multiple data sources. - Automated Data Categorization: Utilizes a commercial categorization engine to interpret income and expenditure, aiding in cash flow analysis and disposable income assessment. - Regulatory Compliance: As an FCA-accredited Account Information Service Provider (AISP), it ensures compliance with regulatory obligations, including consent management and identity verification. Primary Value and User Solutions: Experian Commercial Acumen addresses several critical challenges faced by lenders and SMEs: - Accelerated Lending Decisions: By providing real-time, consolidated financial data, it reduces the time required for loan application processing, enabling lenders to respond to SMEs in days rather than months. - Enhanced Risk Assessment: The integration of diverse data sources offers a more accurate assessment of a business's creditworthiness, allowing lenders to make informed decisions and mitigate potential risks. - Improved Customer Experience: Simplifies the loan application process for SMEs by minimizing paperwork and manual data submission, thereby enhancing the overall customer journey. - Increased Lending Opportunities: Enables lenders to confidently extend credit to a broader range of SMEs, including those with limited traditional financial data, by leveraging alternative data sources. - Operational Efficiency: Streamlines data collection and analysis processes, reducing operational costs and allowing lenders to focus on strategic decision-making. In summary, Experian Commercial Acumen empowers lenders with the tools and insights necessary to make faster, more accurate lending decisions, ultimately supporting the growth and success of SMEs in a competitive market. **Who Is the Company Behind Experian Commercial Acumen (UK)?** - **Seller:** [Experian](https://www.g2.com/sellers/experian) - **Year Founded:** 1826 - **HQ Location:** Dublin, Ireland - **Twitter:** @Experian_US (38,771 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/experian (26,191 employees on LinkedIn®) - **Ownership:** LSE: EXPNL ### 20. [Experian Connecting your API to Eligibility Hub (UK)](https://www.g2.com/products/experian-connecting-your-api-to-eligibility-hub-uk/reviews) Experian's "Connecting your API to Eligibility Hub" is a solution designed to streamline lenders' integration with price comparison websites, enhancing their visibility and efficiency in the competitive cards and loans market. By connecting a lender's API to Experian Marketplace’s Eligibility Hub, financial institutions gain rapid access to a broad network of traditional and emerging price comparison sites. This integration allows lenders to maintain control over their credit decisioning processes while expanding their reach to potential customers. Key Features and Functionality: - Simple Connectivity: A single API connection provides access to a vast distribution of price comparison sites, facilitating efficient product offerings. - Managed Connections: Experian's experts handle and maintain all connections to price comparison sites, reducing the operational burden on lenders. - Data-Driven Insights: Leverage up-to-date data, features, and partnerships to gain a competitive edge in the market. - Market Responsiveness: Quickly adapt to market changes with online access to EligibilityIQ’s performance data, enabling informed decision-making. - Targeted Consumer Engagement: Focus on assessing the eligibility of consumers who align with the lender's risk appetite, improving conversion rates. Primary Value and User Solutions: This solution addresses the challenges lenders face in effectively presenting their products on price comparison websites. By simplifying the integration process and managing connections, it reduces costs and operational complexities. The Eligibility Hub ensures that lenders can reach a wider audience, attract suitable customers, and make data-informed decisions, ultimately enhancing their market presence and profitability. **Who Is the Company Behind Experian Connecting your API to Eligibility Hub (UK)?** - **Seller:** [Experian](https://www.g2.com/sellers/experian) - **Year Founded:** 1826 - **HQ Location:** Dublin, Ireland - **Twitter:** @Experian_US (38,771 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/experian (26,191 employees on LinkedIn®) - **Ownership:** LSE: EXPNL ### 21. [FCS API](https://www.g2.com/products/fcs-api/reviews) FCS API is a comprehensive financial market data platform providing real-time and historical data for Forex, Cryptocurrency, Stocks, Indices, and Commodities. Trusted by thousands of developers and fintech companies worldwide, FCS API offers both REST API and WebSocket solutions for building trading platforms, financial applications, and market analysis tools. Key features include: - Forex data: 2,000+ currency pairs from 170+ countries - Crypto data: 10,000+ coins from 20+ exchanges - Stock data: 125,000+ stocks from 50+ global exchanges - Technical indicators, pivot points, and economic calendar - WebSocket for real-time streaming data - Client libraries for JavaScript, Python, PHP, Java, C#, and more - Fast support with screenshare assistance when needed **Who Is the Company Behind FCS API?** - **Seller:** [FCS API](https://www.g2.com/sellers/fcs-api) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 22. [Fego.ai](https://www.g2.com/products/fego-ai/reviews) Fego is an open finance platform that offers ready-to-embed financial experiences powered by deep insights while resolving complex compliance and engineering overheads for businesses. Fego’s platform has a suite of modules ranging from dashboards for business intelligence, to APIs and SDKs for developers to build engaging digital experiences. From BFSI and Fintech companies to consumer internet apps, Fego is unlocking the potential in India’s consumer finance ecosystem for a multitude of industries. **Who Is the Company Behind Fego.ai?** - **Seller:** [Fego.ai](https://www.g2.com/sellers/fego-ai) - **Year Founded:** 2020 - **HQ Location:** Chennai, IN - **LinkedIn® Page:** http://www.linkedin.com/company/fego-ai (7 employees on LinkedIn®) ### 23. [Fena](https://www.g2.com/products/fena/reviews) Fena Sales and Payment Toolkit is a suite of software products that combine modern ePOS, B2B Ordering, Product Inventory, Service Inventory and Booking, Invoice generation, and Payments integrated as standard. ePOS Fena’s ePos helps businesses to record, generate and get paid for orders in person. -Automated inventory adjustment -Integrated with payments out of the box -Cloud-based point of sale​​ B2B Ordering B2C, D2C and B2B and wholesale online order -Customers are linked to orders, so you can see at a glance your total sales revenue from each. -Log discounts, shipping & margin components -Orders are linked to inventory level and decrease your product stock automatically. Product Inventory -Store your product details, track your inventory per product, connect your clients, customers and suppliers to your products. -Easily search for products and customers to quickly create and retrieve orders. -Add notes to products and orders for an in-depth view of sales activities. Service Inventory and Booking -Service offers and service booking management -Get paid for your services at the booking with integrated payment -Integrated with a wide range of calendar providers including Gmail, Outlook, MS360. Invoice Generation -Create, send and manage invoices online with Fena Invoice Generator. Payments -Accept account-to-account payments swiftly and securely. Fena offers account to account payment -A2A eCommerce Payments -QR Code Payments -Pay By Link -Invoice Payments **Who Is the Company Behind Fena?** - **Seller:** [Fena Labs Ltd](https://www.g2.com/sellers/fena-labs-ltd) - **Year Founded:** 2019 - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/faizpay-fena (32 employees on LinkedIn®) ### 24. [Finance](https://www.g2.com/products/sapien-finance/reviews) Sapien offers specialized financial data annotation services designed to enhance the development of advanced AI models within the finance sector. By providing high-quality, domain-specific training data, Sapien enables financial institutions to build robust AI solutions tailored to their unique needs. **Who Is the Company Behind Finance?** - **Seller:** [Sapien](https://www.g2.com/sellers/sapien) - **HQ Location:** New York City, US - **LinkedIn® Page:** https://www.linkedin.com/company/getsapien (8 employees on LinkedIn®) ### 25. [FinanceKey](https://www.g2.com/products/financekey/reviews) FinanceKey connects your banks, ERPs, TMS and internal systems into one real-time dashboard through a single, easy-to-implement API. It simplifies payments, automates data management, and enhances financial tracking. Built for CFOs, treasurers, and finance teams, FinanceKey reduces manual work, improves visibility, and ensures seamless integration. Key problems we solve: - Bank connectivity - Cash visibility - Payment automation - Liquidity management - Account validation - Cash forecasting FinanceKey handles the complex work of treasury transformation, streamlining bank connections, automating payments, and integrating financial data, so your team can focus on strategy, not systems. **Who Is the Company Behind FinanceKey?** - **Seller:** [FinanceKey](https://www.g2.com/sellers/financekey) - **Year Founded:** 2021 - **HQ Location:** Helsinki, FI - **LinkedIn® Page:** https://www.linkedin.com/company/financekey (17 employees on LinkedIn®) ## What Is Financial Data APIs? [Financial Services Software](https://www.g2.com/categories/financial-services) ## What Software Categories Are Similar to Financial Data APIs? - [Unified APIs Software](https://www.g2.com/categories/unified-apis) --- ## How Do You Choose the Right Financial Data APIs? ### What You Should Know About Financial Data APIs ### What is Financial Data APIs? Financial data APIs have become an important part of the financial technology landscape. They link internal data sources and external access to financial data, depending on the type of API and the use case stipulations governing its use. Financial data APIs are helping to fuel the development of financial products as well as streamline operational data-involved processes internally. Key Benefits of Financial Data APIs - Improve internal data access - Catalyze external fintech product development - Fuel internal product development ### Why Use Financial Data APIs? Financial data APIs are useful for a variety of reasons. They can improve internal data sharing and operational efficiency, provide an additional source of revenue by charging for external use by partners, and fuel fintech development. Depending on the parameters set regarding developer use of the API in question, the financial institution may benefit handsomely from allowing API access to external developers. Internal developers with API access can provide the institution with new product offerings as well as insights that may inform product development and organizational strategy. **Internal Data Sharing —** One of the primary reasons to use financial data APIs is for internal sharing of financial data. In a large financial institution, data can become very siloed and difficult to access for those not working directly with it on a daily basis. Financial APIs open up access to those data sources, helping to improve transparency and allow easier internal data sharing. **Partner Integrations —** Another reason to use financial data APIs is to strengthen partner integrations with a financial institution. Giving partners access to valuable data sources strengthens the connection between products. **Internal Product Development —** Financial data APIs can help fuel internal product teams’ development processes. They can leverage the data accessed via the API to drive the creation of new products. ### Who Uses Financial Data APIs? Financial services institutions of all shapes and sizes use financial data APIs. **Fintech Companies —** Fintechs make good use of financial data APIs. They are increasingly leveraging access to these valuable data sets to inform product decisions. **Financial Institutions —** Traditional financial companies are using financial data APIs to create products, share data internally, and fuel partner integrations. As the institutions with the largest financial datasets, the opening of those datasets to the world at large (with obvious privacy and data sharing restrictions in place) is key to enhancing the fintech product landscape. ### Kinds of Financial Data APIs There are three types of APIs in the finance industry: internal APIs, private APIs, and open APIs. **Internal APIs —** Internal APIs are used by individuals, usually developers, within an organization. These APIs are designed to share various internal data sources across the organization. The goal of leveraging these APIs is to increase operational efficiency and improve processes by streamlining internal data access. **Private APIs —** Private APIs are limited-use APIs for financial institutions’ business partners to tighten up partner integrations. Financial institutions can monetize the use of these APIs and often leverage their use to enhance security across partnerships. **Open APIs —** Open APIs are used to share financial data with a wide range of potential users. These APIs often limit the amount and type of information that is accessible, and the API creator often vets users prior to granting them access. However, these APIs drive product and application creation by developers who use the data accessed by the API to shape their product. ### Financial Data APIs Features Financial data APIs often include, but are not limited to, the following features: **Data Syncing —** Syncs data across multiple applications. **Live Feed —** Provides live data input from source to application. **Open Interface —** Allows external connections once properly vetted. ### Trends Related to Financial Data APIs The concept of open banking has given way to more discussion of financial data APIs and potential use cases in the financial services world. **Open Banking —** Open banking is the concept of increasing data sharing between financial institutions and fintech companies. This concept, European in origin, has been codified by the Payment Services Directive 2.0 (PSD2) and is designed to increase competition, lower prices, and increase the amount of financial products on the market. Open banking necessitates the creation of public APIs and is fueling their increased use throughout the finance world. **Rise of Fintech —** The rise of technology in financial services has spurred numerous fintech companies to seek out new opportunities to offer financial products for both consumers and businesses. Fintechs are leveraging public APIs to access the data sets of traditional financial institutions and either create new products or connect their products to the fintechs’ own. ### Potential Issues with Financial Data APIs **Security —** Data security is paramount these days. API creators have to ensure there are strong security features built in and that the right data is only accessible to the right people. **Data Sharing Policy —** APIs must navigate the constantly shifting regulatory landscape that governs data sharing. As more personal data than ever before is housed by the various companies we provide with that data, developers have to ensure that the data they are sharing is legally and properly shared. Privacy is a large concern, so financial data APIs must be designed with that in mind. ### Software and Services Related to Financial Data APIs Financial services software is the general umbrella under which financial data APIs fall, and if used properly, they have the capability to impact nearly every subcategory of software that falls within the financial services vertical. [**Investment Portfolio Management Software**](https://www.g2.com/categories/investment-portfolio-management) **—** Investment portfolio management software can leverage APIs to connect to financial data sources for real-time trading-related information. [**Digital Banking Platforms**](https://www.g2.com/categories/digital-banking-platforms) **—** Digital banking platforms can use financial data APIs to strengthen their ability to provide robust product offerings. [**Financial Risk Management Software**](https://www.g2.com/categories/financial-risk-management) **—** Financial risk management software can use financial data APIs to inform risk analysis models.