This document provides information about Tink, an open banking platform. It summarizes Tink's local offices across Europe, partners including major banks, certifications, employees, and services. Charts show statistics on open banking spending trends across European countries, with over half of organizations increasing spending. Case studies describe how Tink helped apps and companies improve personal finance, payments, and loyalty programs through open banking APIs.

1. 1Tink
PSD2: It's
your birthday
Research Director
Jan
van Vonno

2. Tink 2
Local offices in
• Sweden
• Finland
• Norway
• Denmark
• United Kingdom
• Poland
• Netherlands
• Spain
• France
• Italy
• Portugal
Trusted by the
industry leaders
• NatWest
• BNP Paribas
• ABN AMRO
• PayPal
• Klarna
• SEB
• Caixa Geral de Depósitos
• Nordea
• Poste Italiane
Industry Authority
6,500 +
Platform users
€170m +
Funding from We’re connected for access to all types of accounts, from banks,
neo-banks, credit cards and more, and bring them together for
you via a single, beautiful API.
2,500 + banks & FIs connected
ISO/IEC 27001 Certified
PSD2 Licensed
Member of EU, Berlin Group &
Open Banking advisory boards
270+ Employees
across Europe

3. Tink 3
CLOSED BANKING OPEN BANKING
Aggregators
Payment
providers
Government
TelcosBank B
Bank A
Utilities
Merchants

4. 4Tink
Bank open banking spending
in the range of

5. Tink 5
44.8%European Average
Belgium
Denmark
Finland
France
Germany
Italy
Netherlands
Norway
Portugal
Spain
Sweden
United Kingdom
€1 Million to €49.9 Million
Less than €1 Million
0% 100%50%25% 75%
6.6%31.4%17.2%
9.5% 52.4% 9.5% 28.6%
25.0% 45.0% 10.0% 20.0%
30.0% 25.0% 10.0% 20.0%
12.9% 19.4% 3.2% 64.5%
10.0% 23.3% 10.0% 56.7%
16.7% 30.0% 3.3% 50.0%
20.0%
21.1%
5.0%
13.8%
30.0%
20.0%
35.0%
31.6%
20.0%
31.0%
20.0%
46.7%
5.0% 40.0%
10.5% 36.8%
5.0% 70%
6.9% 48.3%
10.0% 40.0%
33.3%
More than €100 Million
€50 Million to €99.9 Million
Spending on open banking is massive
Q. Which range best describes how much your organisation is spending on its open banking objectives? Note: Respondents understood that open banking spending may include
IT, product, and process modernisation investments in relation to open banking objectives and the exchange of financial data with other banks or third-party providers.
All respondents (n=290)
Source: Tink & YouGov, 2020

6. Tink 6
Belgium
Denmark
Finland
France
Germany
Italy
Netherlands
Norway
Portugal
Spain
Sweden
United Kingdom
€1 Million to €49.9 Million
Less than €1 Million
0% 100%50%25% 75%
9.5% 52.4% 9.5% 28.6%
25.0% 45.0% 10.0% 20.0%
30.0% 25.0% 10.0% 20.0%
12.9% 19.4% 3.2% 64.5%
10.0% 23.3% 10.0% 56.7%
16.7% 30.0% 3.3% 50.0%
20.0%
21.1%
5.0%
13.8%
30.0%
20.0%
35.0%
31.6%
20.0%
31.0%
20.0%
46.7%
5.0% 40.0%
10.5% 36.8%
5.0% 70%
6.9% 48.3%
10.0% 40.0%
33.3%
More than €100 Million
€50 Million to €99.9 Million
Spending on open banking is massive
44.8%European Average 6.6%31.4%17.2%
Q. Which range best describes how much your organisation is spending on its open banking objectives? Note: Respondents understood that open banking spending may include
IT, product, and process modernisation investments in relation to open banking objectives and the exchange of financial data with other banks or third-party providers.
All respondents (n=290)
Source: Tink & YouGov, 2020

7. Tink 7
69.0%
67.7%
66.7%
63.2%
62.8%
73.3%
71.4%
70.0%
60.0%
55.0%
55.0%
50.0%
45.0%
United Kingdom
Belgium
Portugal
Spain
France
Germany
Norway
European Average
Netherlands
Denmark
Sweden
Italy
Finland
6.7%
3.2%
19.1%
5.0%
10.3%
13.3%
5.3%
10.0%
5.0%
10.0%
20.0%
16.7%
5.0%
20.0%
9.5%
25.0%
20.7%
29.0%
20.0%
31.6%
27.2%
35.0%
35.0%
25.0%
33.3%
50.0%
Decreased
No change – budget is the same
Increased
0% 100%50%25% 75%
Q. How has your spending on open banking objectives changed compared to the previous fiscal year (2019)?
All respondents (n=290).
Source: Tink & YouGov, 2020
Spending on open banking is growing

8. Tink 8
69.0%
67.7%
66.7%
63.2%
73.3%
71.4%
70.0%
60.0%
55.0%
55.0%
50.0%
45.0%
United Kingdom
Belgium
Portugal
Spain
France
Germany
Norway
Netherlands
Denmark
Sweden
Italy
Finland
6.7%
3.2%
19.1%
5.0%
10.3%
13.3%
5.3%
5.0%
10.0%
20.0%
16.7%
5.0%
20.0%
9.5%
25.0%
20.7%
29.0%
20.0%
31.6%
35.0%
35.0%
25.0%
33.3%
50.0%
Decreased
No change – budget is the same
Increased
0% 100%50%25% 75%
Q. How has your spending on open banking objectives changed compared to the previous fiscal year (2019)?
All respondents (n=290).
Source: Tink & YouGov, 2020
Spending on open banking is growing
62.8%European Average 10.0% 27.2%

9. Tink 9
PSD2 API Performance
Manual refresh success rates in Belgium
April* May* June July August September (MTD)
Note: Data shows a selection of Tier 1 Belgian banks; *Statistics for April and May have been modified for accuracy.
Source: Tink, Aggregation Performance, 01-04-2020 to 13-09-2020

10. Tink 10
PSD2 API Performance
Background refresh success rates in Belgium
April* May* June July August September (MTD)
Note: Data shows a selection of Tier 1 Belgian banks; Statistics for April and May have been modified for accuracy.
Source: Tink, Aggregation Performance, 01-04-2020 to 13-09-2020

11. 1
1
Result
Grip is the #1 personal finance app in the Netherlands,
with 750,000 registered users.
Solution
The standalone personal finance app, called Grip, built with
Tink technology, was live within 90 days.
Challenge
Helping customers better understand and control
their finances.
Providing financial
clarity using PFM

12. 1
2
Setting up
one-click payments
using Aggregation
Result
Improved onboarding saves time, eliminates mistakes
by human error, and has significantly increased
conversion for Qliro.
Solution
Aggregation pulls account numbers automatically into
the onboarding flow, eliminating the manual work.
Challenge
Enabling one-click payments required a lot of manual
data entry for the user.

13. Identifying loyalty
opportunities
using raw data
Result
Digitising offline sales so members are getting
Quicker, more frequent, and personalized rewards.
Solution
Aggregation pulls real-time transaction data and
purchase behaviour to see the customers' entire
shopping experience.
Challenge
A smooth way for shopping centers and cities
To easily link their customer base to rewards by
analysing transactions.

14. 14Tink
It’s not about you.
Final thoughts
It’s about your customers.

15. 15Tink
Thanks for listening!
More information at tink.com/resources
Contact us at partnerships@tink.com