The secure, proven platform for banking connectivity, payments and Open Finance.

The question is not whether you support EBICS today. The question is how many platforms you want to operate tomorrow for EBICS, Open Finance and digital banking services. The CREALOGIX EBICS Server brings these capabilities together on one shared infrastructure. This helps financial institutions reduce operating costs, simplify integration and avoid maintaining separate platforms for different channels. At the same time, it strengthens security and opens the platform beyond traditional corporate banking, so banks can serve corporates, retail customers, private customers, FinTechs and partners through a common, future-ready infrastructure. For institutions looking to reduce dependencies, lower costs or prepare for EBICS 4.0 and Open Finance, the CREALOGIX EBICS Server offers a sustainable and economically attractive path forward.

The better question is: do you need another transformation project at all? Many platform initiatives increase complexity, cost and risk by replacing systems and rebuilding existing integrations. The CREALOGIX EBICS Server follows a different approach. It extends existing banking architectures and brings EBICS, Open Finance and digital banking services together on a shared infrastructure. The result is less complexity, lower costs and a future-ready platform without the need for another large-scale transformation project.

EBICS and Open Finance do not compete with each other; they solve different problems and complement one another. EBICS remains the proven standard for highly secure, automated payment processing and financial data exchange with corporate customers. Open Finance extends these capabilities beyond traditional corporate banking, enabling real-time services, digital customer interactions and secure access to banking services for retail customers, FinTechs and partners. Open Finance also introduces a different security model: strong customer authentication, secure key storage and real-time authorization enable digital services that go far beyond traditional file-based communication. The real question is not "EBICS or Open Finance?" but "Why operate separate platforms for corporate banking, retail banking and digital services when a single infrastructure can support them all?" The CREALOGIX EBICS Server brings both worlds together on a common platform, reducing complexity, lowering operating costs and creating a future-ready foundation built on open standards rather than proprietary technologies. EBICS connects banks with their corporate customers; Open Finance connects banks with their entire digital ecosystem. Together, they create the foundation for a unified, secure and future-ready banking platform.

Banks need more than a solution for today's requirements; they need a platform that can adapt to tomorrow's. The CREALOGIX EBICS Server combines investment protection with continuous innovation. Existing banking architectures can remain in place while new requirements – such as Open Finance, additional digital services and new customer channels – are introduced on the same infrastructure. The strongest proof of a platform's future readiness is its ability to evolve over time, and the CREALOGIX EBICS Server has continuously adapted to changing technologies, regulatory requirements and market expectations, helping financial institutions benefit from innovation without repeatedly replacing their infrastructure. By building on open standards rather than proprietary technologies, financial institutions reduce dependencies, protect existing investments and gain the flexibility to respond to new requirements as they emerge.