Architecting Europe’s Largest Open Banking Infrastructure
Building the Backbone Behind 200+ Banks and 30 Million Savers
Building a cloud-native, event-driven backbone that powers Europe’s largest savings marketplace, engineered for scale, trust, and compliance.
€35B+
Full regulatory traceability
€35B+ deposits processed with immutable transaction histories ensuring full regulatory traceability.
200+
Partner Banks
Onboarded Partner Banks with standardized governance and accelerated certification.
20+
Countries
Countries supported through uniform compliance and control frameworks.
30M+
Error Free and Fast & Transparent Deposit Flows
30M+ savers served through faster, error-free, and transparent deposit flows.
About The Client
About The Client
Deposit Solutions is a leading European fintech redefining open banking by connecting banks, distributors, and consumers across more than 20 markets. As the company expanded its footprint, every transaction carried regulatory, reputational, and operational weight.
In a financial ecosystem where reliability and auditability are non-negotiable, Deposit Solutions needed an enterprise-grade platform that could handle continental transaction volumes with precision, transparency, and trust.
The Challenge
Creating a pan-European open banking marketplace demanded more than connecting systems; it required building a foundational platform capable of orchestrating billions in regulated transactions, maintaining end-to-end compliance, and scaling seamlessly across jurisdictions.
The company’s monolithic legacy core could no longer sustain rapid growth.
Key constraints included:
→ Performance and scalability limits: the existing system struggled to scale horizontally and isolate failures gracefully.
→ Manual workflows: reconciliation and data creation relied on human oversight, delaying turnaround and heightening compliance exposure.
→ Partner onboarding complexity: every new bank required custom engineering, fragmented governance, and slowed expansion.
→ Operational overhead: maintenance and infrastructure costs ballooned as workloads grew faster than system elasticity.
Deposit Solutions needed a complete re-architecture of a secure, resilient, and compliant backbone to unify operations, automate transaction flows, and support multi-bank interoperability across Europe.
The Solution
Technoidentity partnered with Deposit Solutions to design and build the Open Banking Backbone: a cloud-native, event-driven platform purpose-built for institutional-scale performance, transparency, and compliance.
Enterprise-grade architecture:
Core deposit, reconciliation, and settlement flows were re-engineered as microservices on Kubernetes, delivering elasticity, fault isolation, and independent release cycles across business domains.
Event-driven transaction layer:
A high-integrity streaming backbone enabled immutable audit trails and idempotent transaction processing, ensuring that every deposit, transfer, and reconciliation was traceable, recoverable, and compliant with European regulatory frameworks.
Contract-driven APIs:
Standardized, versioned APIs replaced bespoke connectors, accelerating partner onboarding and ensuring uniform certification standards across 200+ banks and multiple jurisdictions.
Unified observability:
Real-time visibility into pipelines, data flows, and system health empowered both engineering and compliance teams with actionable insights, ensuring the platform met operational and regulatory SLAs at all times.
The result was not an integration layer, but a fully realized open banking platform: the digital backbone of Europe’s largest savings ecosystem.
The Outcome
The Open Banking Backbone transformed Deposit Solutions’ operations from fragmented systems to a cohesive, high-trust financial infrastructure — built for longevity, auditability, and growth.
Immutable Transaction Traceability
Deposits processed with immutable transaction histories ensuring full regulatory traceability
€35B+
Accelerated Bank Certification
200+ partner banks onboarded with standardized governance and accelerated certification.
200+
Global Compliance Framework
20+ countries supported through uniform compliance and control frameworks.
20+
Effortless Saver Experience
30M+ savers served through faster, error-free, and transparent deposit flows.
30M+
Why It Matters
In open banking, scale without resilience isn’t progress, it’s risk.
By engineering reliability into every component, Technoidentity turned compliance, transparency, and uptime into business advantages.
This is what Technoidentity calls Durable Product Engineering: building systems that don’t just function, but endure. For Deposit Solutions, that meant transforming open banking from a series of connections into a unified, trustworthy, and auditable ecosystem