u/FinexerOfficial

When teams talk about integrating banking or payment APIs they typically talk about documentation, authentication, webhooks and implementation time.

But what if everything is technically connected?

• No invoice references accompanying the payments are usable.

• The bank and accounting system don’t agree on a transaction’s status.

• We need someone to look into failed payouts.

• Finance teams still do data dumps and manual reconciliations.

40% of 418 UK B2B professionals surveyed had been subject to delays in receiving an approved payout, and 42% experienced delays in confirming if customer payments had come in.

It makes me wonder if we’re measuring integration success too early – at go-live, rather than when the whole workflow actually runs without fail.

If you have integrated banking or payment APIs what was the biggest problem you faced post launch?

We recently spoke with a founder who was investigating a cashback app, and it made us consider the several components that go into what appears to be a straightforward rewards program. A few things to consider beforehand:

What information is required? Card connecting and bank linking are not the same thing. Decide how you'll actually determine whether purchases qualify.

When is cashback valid? Even if a transaction appears, it may not be eligible. Complications may arise from refunds and outstanding payments.

How are you going to get paid? There are two distinct procedures involved in tracking a purchase and receiving the merchant's portion.

How will users receive rewards? Payouts may add additional procedures, particularly if authentication is required.

It is surprising how quickly a simple idea of cashback develops to a question of integrating multiple different systems.

If you’ve designed a rewards app, what was the most undervalued aspect?

When you’re thinking about creating an MTD or tax app using open banking, there are a few important things to consider right from the start:

1. What exactly is a billable connection?

It’s possible for one user to link several accounts. Your pricing might depend on the number of users, accounts, active connections, API calls, or how much data is used.

2. How do you manage multi-currency accounts?

Find out if different currency accounts under the same banking login are seen as separate accounts and if this impacts your pricing.

3. Raw transaction data versus enrichment

Raw transaction data might not be suitable for tax or accounting processes. Figure out what enrichment involves and if it comes with an extra cost.

4. Keep an eye on regulatory deadlines early on

While technical integration might be swift, onboarding, registration, or meeting compliance requirements could take significantly longer.

5. Test real-life scenarios in the sandbox

Try out multiple accounts, complex transactions, various currencies, missing data, and the actual user experience—not just the API calls.

What has been the biggest hurdle when developing with open banking: data quality, account connections, compliance, or pricing? Not market research, we will share real advice wherever we can. These are questions we frequently get asked on demo calls. Feel free to drop your queries.

Founders who have incorporated third-party services into your product — what has been your biggest pain point?

I’m particularly interested in services that offer security, compliance, or customer onboarding.

Was it the technical integration itself, the documentation, the customer support, edge cases, or ?

Would be nice to hear what you'd do differently.

PS: won't sell you anything, and if you have questions about anything related to fintech APIs, we can answer it for you honestly.

Everyone’s talking about AI agents that can find products, compare prices, and recommend the best option.

But what happens when they actually start buying things for us?

That’s where I think there’s still a huge gap.

For an AI agent to complete a purchase safely, there’s a lot more going on behind the scenes than just picking the right product.

Things like:

• Secure user authorisation
• Bank connectivity
• Payment initiation
• Consent management
• Spending limits and controls
• Identity verification
• Transaction monitoring
• Refunds and disputes
• Audit logs

The "AI" part is exciting, but it’s only one piece of the puzzle. The infrastructure that lets agents move money securely, with the user's permission and within clear boundaries, still feels massively underbuilt.

It seems like a really interesting area for developers and fintech founders. As AI agents become more capable, the companies building this infrastructure could end up being just as important as the agents themselves.

Leaving it here for everyone who is looking for ideas, please feel free to share your thoughts.

(edited using chatgpt)

Everyone’s talking about AI agents that can find products, compare prices, and recommend the best option.

But what happens when they actually start buying things for us?

That’s where I think there’s still a huge gap.

For an AI agent to complete a purchase safely, there’s a lot more going on behind the scenes than just picking the right product.

Things like:

• Secure user authorisation
• Bank connectivity
• Payment initiation
• Consent management
• Spending limits and controls
• Identity verification
• Transaction monitoring
• Refunds and disputes
• Audit logs

The "AI" part is exciting, but it’s only one piece of the puzzle. The infrastructure that lets agents move money securely, with the user's permission and within clear boundaries, still feels massively underbuilt.

It seems like a really interesting area for developers and fintech founders. As AI agents become more capable, the companies building this infrastructure could end up being just as important as the agents themselves.

Leaving it here for everyone who is looking for ideas, please feel free to share your thoughts.

(edited using chatgpt)

Everyone’s talking about AI agents that can find products, compare prices, and recommend the best option.

But what happens when they actually start buying things for us?

That’s where I think there’s still a huge gap.

For an AI agent to complete a purchase safely, there’s a lot more going on behind the scenes than just picking the right product.

Things like:

• Secure user authorisation
• Bank connectivity
• Payment initiation
• Consent management
• Spending limits and controls
• Identity verification
• Transaction monitoring
• Refunds and disputes
• Audit logs

The "AI" part is exciting, but it’s only one piece of the puzzle. The infrastructure that lets agents move money securely, with the user's permission and within clear boundaries, still feels massively underbuilt.

It seems like a really interesting area for developers and fintech founders. As AI agents become more capable, the companies building this infrastructure could end up being just as important as the agents themselves.

Leaving it here for everyone who is looking for ideas, please feel free to share your thoughts.

(edited using chatgpt)

Everyone’s talking about AI agents that can find products, compare prices, and recommend the best option.

But what happens when they actually start buying things for us?

That’s where I think there’s still a huge gap.

For an AI agent to complete a purchase safely, there’s a lot more going on behind the scenes than just picking the right product.

Things like:

• Secure user authorisation
• Bank connectivity
• Payment initiation
• Consent management
• Spending limits and controls
• Identity verification
• Transaction monitoring
• Refunds and disputes
• Audit logs

The "AI" part is exciting, but it’s only one piece of the puzzle. The infrastructure that lets agents move money securely, with the user's permission and within clear boundaries, still feels massively underbuilt.

It seems like a really interesting area for developers and fintech founders. As AI agents become more capable, the companies building this infrastructure could end up being just as important as the agents themselves.

Leaving it here for everyone who is looking for ideas, please feel free to share your thoughts.

(edited using chatgpt)

This is a post to understand your pain points and give you solutions (no promotions) as a company working in this field for years now.

So drop your frustrations and let's solve them together.

(not product research)

This is a post to understand your pain points and give you solutions (no promotions) as a company working in this field for years now.

So drop your frustrations and let's solve them together.

This is a post to understand your pain points and give you solutions (no promotions) as a company working in this field for years now.

So drop your frustrations and let's solve them together.