Bank connectivity for software: build vs buy
When your software product needs Finnish bank connectivity, you face a choice: build the integration to each bank yourself, or buy it as a single service. This page compares the options from a software vendor's perspective.
What building it yourself requires
An in-house build means constructing a Web Services connection to each bank separately: certificate applications, key management, message signing, and handling bank-specific differences. Certificates also expire and bank interfaces change, so maintenance is continuous.
This ties up development resources away from your own product and increases your security and compliance responsibility, since you handle private keys and bank traffic yourself.
- Integration and certificates one bank at a time
- Key storage and compliance responsibility on you
- Continuous maintenance as interfaces and certificates change
- Development time away from your core product
What buying it as a service means
ISECure offers all Finnish bank connections as a single REST API. We handle certificates, key management, and the bank-specific differences, and private keys are stored with AWS KMS encryption in a PCI DSS level environment, separate from your software team.
One integration covers Nordea, OP, Danske Bank, S-Pankki, Ålandsbanken, and — via Samlink and Crosskey — Handelsbanken, Aktia, POP Bank, Savings Bank, and OmaSP. You get TypeScript, Python, and PHP SDKs plus an OpenAPI description.
When each makes sense
Building it yourself can be justified if you need only one bank and have the resources to maintain it long term. If your product needs several banks, fast onboarding, and a lighter compliance burden, buying it as a service is usually a faster and cheaper path to production.