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Unleashing Innovation in Digital Banking for Enhanced Empowerment

Seamless Integration of Account Types

ING’s approach to Open Banking, bolstered by our partnership with OBSS, has led to a cutting-edge integration of personal and corporate accounts. With the establishment of an Open Banking infrastructure for both corporate and individual clients, ING has facilitated the ability for customers to access detailed views of their accounts across various banks/institutions and initiate payment consent flows directly through ING’s mobile and web channels.

Enhanced Account Management and Payment Orders through Open Banking

The Open Banking System has empowered banks and accredited institutions to share account information within a regulated framework. This methodology has streamlined various account-related activities, such as accessing detailed account information and conducting payment transactions. Consequently, customer engagement rates for crucial banking operations have significantly increased, fostering a greater sense of ownership and ease among users.

Digital Strategy and User-Centric Design for Corporate Clients

In response to the specific requirements of corporate clients, ING has developed a digital strategy focused on reshaping user habits. Based on extensive user research, this strategy has resulted in the creation of intuitive screens and interfaces, meeting the evolved expectations of corporate banking. The ‘My All Accounts’ feature, central to this strategy, allows all transactions to be conducted via ING’s digital platforms, reflecting a profound understanding of user preferences and behaviours.

Quantifiable Success and Increased Engagement

The efficacy of ING’s approach to Open Banking is evident in its concrete achievements. The introduction of user-friendly digital solutions has led to a significant rise in app and website usage rates. Moreover, there has been a noticeable swell in overall traffic to ING’s platforms, indicating an enhanced acceptance and utilisation of their services. This positive trajectory is expected to persist, with projections of daily increments as an increasing number of customers interact with the bank’s innovative services.

The Evolution of Open Banking in Turkey

“The Open Banking journey in Turkey represents one of the seminal steps in a significant financial transformation. It is viewed as the inaugural foray into Banking as a Service (BaaS) and Embedded Finance. Open Banking has facilitated a new paradigm of inter-institutional data sharing, laying the groundwork for a more collaborative and innovative financial sector.” Compliance with Open Banking regulations has not only enhanced the banking landscape in Turkey but has also set a precedent for other nations seeking to modernise their financial services. Through innovative technical actions, strategic partnerships, and a relentless focus on customer satisfaction, Turkish banks are ideally positioned to lead in the era of digital banking.


About ING Bank

ING is a pioneer in digital banking and on the forefront being one of the most innovative banks in the world. As ING we have a clear purpose that represents our conviction of people’s potential. We don’t judge, coach, or tell people how to live their lives. However big or small, modest or grand, we empower people and businesses to realize their vision for a better future. We made the promise to make banking frictionless, remove barriers to progress, and make people confident in their financial decisions. As a global bank we have a huge opportunity – and responsibility – to make an impact for the better. We can play a role by financing change, sharing knowledge, and innovating. Being sustainable is in all the choices we make—as a lender, as a partner, and through the services we offer our customers.


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