the open banking platform ready FOR PSD2 and more

eWise Aegis is the most comprehensive data aggregation platform

Ready-to-use open banking platform for PSD2

Access users' accounts easily through our Aegis platform

The eWise Aegis platform gives you the tools to connect to all of your users' bank accounts simply and is designed to be fully compliant with PSD2 regulatory requirements. Think of Aegis as your hub for financial data aggregation that can be quickly integrated within your existing infrastructure.


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Why is the Aegis data aggregation platform the most efficient and secure Access to Account (XS2A) platform?

what is Access to account (XS2A)?

XS2A will open up access by authorised Third Party Processors (TPPs) to consumer data and banking infrastructure. New service providers, defined under the Payment Service Directive 2 as Payment Initiation Service Providers (PISPs) and Account Information Service Providers (AISPs), will be able to offer innovative payment and account aggregation services to end users throughout the European Union.

End-users will be provided with aggregated online information on one or more payment accounts held with one or more payment service providers and accessed via online interfaces of the account servicing payment service provider. Users are thus able to have an overall view of their financial situation at any given moment.

account information via open banking api

XS2A will be facilitated through open APIs and the secure communication standards that the RTS proposes.

PISPs and AISPs can already deploy interfaces for access to user's accounts via eWise Aegis open banking platform.

Comply with the coming requirements of PSD2 today!

Security and privacy come first

Protect account and payment data. 

  • The Aegis platform is built on the eWise "Secure  Access Network" patent held in Europe, Asia, Australia and the U.S.
  • Client-Side Aggregation: The truly legal and compliant architecture to aggregate financial data. User's credentials are saved within their encrypted Personal Data Vault (PDV), installed on their own device. See features
  • Support multi-factor authentication
  • Absolute privacy through our permission management and data broker capabilities: provide the user with full control and privacy over their personal data. Users can choose who they want to share their personal data with.

Go beyond PSD2 XS2A and unleash true Account Aggregation power for a comprehensive financial accounts coverage

why does psd2 offer a limited account aggregation coverage?

Considering the scope of PSD2 XS2A and its projected implementation timetable along with its specification principles, it is apparent that XS2A only offers access to payment accounts, namely the end-users basic current account and credit card.

With the average consumer and small business customer possessing a broad range of financial services products including current accounts, credit cards, personal loans, leases, insurance, ISAs and various other investment and credit accounts, the scope of PSD2 XS2A initiative might leave some of us feeling underwhelmed when it comes to providing end-users with innovative, convenient and value-added services driven by a truly comprehensive picture of their financial relationships.


Data aggregation

The Aegis platform enables end-users to privately and securely aggregate, store, manage and share their financial information. Leverage eWise's data aggregation platform to easily connect users' bank accounts, credit cards, investments, pension funds, utilities, loans and more.

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Comparison Aegis data aggregation vs XS2A coverage


Personal Data Vault features


All aggregation is performed on the user’s device. Our client-side aggregation architecture is patented in the U.S.A., Europe, Asia and Australia.


The customer may grant active-consent to access their data and can revoke authorisation anytime. The personal data is not retained or used by eWise for any purpose.


All data is secured using AES-256 encryption. For added security, encryption keys are stored separately and held on our “zero-knowledge” server.


Securely stored by the customer on computer, tablet or smartphone.

Immune to blocking

Banks and other institutions being aggregated can't block Aegis access. End-users aggregate data from their device, not a Server. No overloading nightly batch requests for millions of accounts at the same time!

Legal & compliant

Users never needs to disclose their online account ID's and passwords to a third party. The sensitive credentials are saved and encrypted onto the Personal Data Vault on their own device, not in the cloud. Nobody else can get access.


A "customer always present" solution supporting all forms of multi-factor authentication which may be used to authenticate the user during data aggregation.


The Personal Data Vault is installed in seconds on the user's device.

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The only Account Aggregation technology implemented by licensed banks in the United Kingdom and Australia

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Featured in the media


What will 2017 bring for banking?

Retail Banker International wondered what 2017 will bring banking, and asked industry experts for their view. eWise CEO, David Hamilton, highlighted the duplicated aggregation offers of Open Banking, PSD2 and The Competition and Markets Authority remedies, and suggests 2017 will bring more questions than answers for third-party processors.

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Data sensitivity complicates PSD2

eWise CEO spoke to Euromoney about how the PSD2 fineprint may affect the interpretation of the scope of the data sharing, particularly in relation to Access-2-Accounts, the part of PSD2 that provisions for third parties to gain direct access to bank accounts.

Read more

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