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Open banking services

Power innovative financial experiences with DXC's open banking solution.


Delivering innovations and opportunities

Your bank can deliver frictionless customer experiences, offer innovative financial products and services, and turn regulatory requirements from hurdles into advantages. As a trusted provider of change for 350+ financial service providers in 70+ countries, DXC harnesses our more than four decades of experience, advanced technical expertise and extensive partner network to zero in on the optimal open banking solutions for clients.  

We help organizations leverage third-party financial information to remove friction, innovate and facilitate payments. Our end-to-end solutions also streamline compliance and power efficiency with advanced automation capabilities.


350+
financial service providers rely on our services
70+
countries we’re present in
45+
years of experience in financial services
17
out of the world’s 20 largest banks trust us

Our solutions & capabilities

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Open banking ecosystem registry

Effortlessly keep track of all data providers and recipients in an ecosystem registry tailored to your needs. We’ll help you manage your partnerships and ensure compliance while streamlining operations and maximizing interoperability. 

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Secure directory for bilateral agreements

Streamline managing and scaling data sharing agreements with a secure directory for financial services organizations. We’ll ensure your agreements are protected with robust security measures and streamline your compliance efforts. 

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Data provider and recipient competencies

Ramp up your provider/recipient capabilities to power innovation, remove friction from financial experiences and secure a competitive edge. We’ll help you prepare your organization for data sharing and ensure you make the most out of your partnerships. 



Benefits of DXC for your open banking financial services initiative

Expert guidance

We rely on our decades of domain experience and advanced technical acumen to help banks mitigate regulatory risks and navigate market challenges while delivering innovative solutions. 

Strategic alliances

Our extensive partner network counts dozens of technology leaders across all domains, allowing us to offer best-of-breed, future-proof open banking solutions software capabilities. 

Marketplace

We leverage our industry experience and partner network to help you build a value-added open banking ecosystem and gain a competitive edge as a result. 

U.S. market integration

As the Hogan core banking system custodian, we assist our U.S. financial services clients in capitalizing on open banking opportunities while maintaining their existing banking solutions. 


Talk to one of our experts today


Westpac Customer Story

Westpac New Zealand Limited leverages Microsoft Power Platform

Westpac New Zealand Limited strengthens its open banking capabilities by modernizing legacy systems and enabling seamless data flow across applications, supporting API‑driven integration and real‑time customer services.

Mutual bank recognizes data significance through platform modernization

Mutual bank advances its open banking readiness by unifying core‑linked data and CRM systems, enabling secure, consistent, real‑time access to customer information across interoperable channels.

How DXC is helping to transform Leeds Building Society’s digital future

Leeds Building Society lays the groundwork for open banking innovation by modernizing aging core systems and building a more flexible digital architecture designed for external ecosystem connectivity.


Hogan’s API & Microservices solution bridges modern and mainframe banking

Hogan’s API and microservices capabilities help banks securely expose core banking functions through modern, standards‑based APIs, enabling the interoperability and fintech collaboration essential for open banking ecosystems.

DXC’s Mainframe Engineering Services team helps banks master COBOL core banking

Understanding the resilience and stability of COBOL‑based core systems enables banks to safely modernize and layer open banking APIs on top of mission‑critical infrastructure without compromising security or performance.

The banking customer in a data-rich world

Leveraging richer, real‑time customer data supports the personalized, consent‑driven experiences that open banking models rely on, enabling banks to deliver more connected, ecosystem‑aware digital services.



Frequently asked questions


As an experienced and trusted digital transformation partner for financial institutions, counting 17 of the world’s 20 larges banks among our customers, DXC offers services to help our clients maximize the value brought forth by open banking. We do it by:  

  • Lending our experience and expertise. From regulatory compliance and industry trends to market specifics and customer demands, we bring our experience to the table to help our clients make the most out of open banking opportunities . 
  • Leveraging strategic alliances. Our partner network spans dozens of fintech and open banking technology leaders. These partnerships allow us to offer innovative, future-proof banking solutions that power growth and enhance competitive advantage . 
  • Building ecosystem connections. We help our clients transform their systems into a robust digital ecosystem. We ensure new partnerships power innovation across the value chain, drive operational excellence and transform financial experiences.  

Powered by decades of experience and unrivaled expertise in the latest technological advances, DXC’s open banking services can transform the banking and capital markets industry with: 

  • Seamless integrations: We enable customers to share their account information and transaction data with peace of mind via secure open banking APIs. We also maximize interoperability among all systems involved .
  • Innovative banking solutions: Our know-how supercharges financial services with state-of-the-art technology solutions. Our expertise in digital transformation enables established banks to successfully take on their digital-native fintech competitors .
  • Superior customer experiences: Our data management and analytics solutions help clients meet customers’ evolving expectations more efficiently. We help clients personalize customer experiences with advanced analytics, streamline operations and remove friction.
  • Robust compliance and security: Our decades-long expertise allows organizations to successfully mitigate compliance and security risks. We help clients navigate the full scope of regulatory obligations and foster customer trust with comprehensive data protections. 

Open banking solutions allow customers to benefit from more granular control over their bank account and financial data with: 

  • Data sharing controls: Open banking provides customers with full control over which third parties can gain access to their financial information and how it is used (e.g., for syncing transaction data across multiple accounts).
  • Transparent data use: With open banking, customers can review which data is shared and with whom, as well as how their data is processed and used, at any moment.
  • Right to refuse: Customers can revoke their consent for data sharing at any point and for any reason, building trust with data providers and recipients . 
  • Personalization: Advanced analytics enable truly personalized customer experiences, powering tailored financial advice and service offerings that hit the mark. 
  • Secure API integration: Open banking APIs enable institutions to exchange sensitive data regarding financial accounts securely, enhancing customer trust as a result.

We advise financial institutions to do the following before embarking on the open banking journey:  

  • Take stock of the technology estate. Assess its pitfalls, evaluate systems’ capacity for API integration to exchange data and modernize legacy systems if needed. Remove data silos that may stand in the way of bank account data sharing and advanced analytics.  
  • Explore possibilities and constraints. Examine regulatory requirements regarding open banking, privacy and security, as well as the latest technology advances and industry trends. Stay informed on applicable regulations and trends.  
  • Assess risks. Analyze all the risks that adopting open banking may entail, including regulatory, fraud and data security risks. Develop risk mitigation strategies for protecting the data shared via open banking solutions . 
  • Adopt open banking best practices. These include robust data access and sharing controls for customers, a transparent consent system and strong data security measures (encryption, authentication, etc.) . 

With the help of an experienced open banking solutions provider like DXC, financial institutions can leverage open banking to: 

  • Improve customer experiences: From open banking payments to hyper-personalization at scale, data sharing powered by API integration removes friction from the customer journey. 
  • Offer innovative services and experiences: New data streams enable developing and deploying cutting-edge financial services and products, which can become a strategic advantage in the face of fintech competition .
  • Secure a competitive advantage: With digitally mature fintechs and challenger banks competing for share of the wallet, data sharing can make for another competitive advantage in the form of superior customer experiences or innovative services.  
  • Gain an additional revenue stream: Open banking partnerships, services and products pave the way for new business models and revenue opportunities, powering business growth despite inflationary pressures and evolving customer needs.