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          Raiffeisen Bank International - Scaling Open Banking

          CROZ RBI TEAM

          Complex, large, agile, transparent, secure. All under one cap - OPEN. Open Banking can be done only with a large amount of trust implemented in organizational and technical aspects and a right set of team members.


          When as the Leader you have very complex and challenging tasks on your table, you are always looking for people who are professionals and passionate about their work to join your journey. I was very lucky one to find CROZ guys: experienced professionals with IBM products, great Team players and reliable colleagues whom you can trust without any doubt execution of most crucial tasks which have impact on end-customers satisfaction.


          Case study

          Our client Raiffeisen Bank International (RBI) introduced Merlin and Open Banking Integration Tribe with the main target to drive the digitalization of the complete Raiffeisen Banking Group. Tribe is mainly handling three Digital Products:

          • Digital enabling Platform (Merlin Product)
          • Implementation of Interfaces (APIs) for the Payment Service Directive 2 (PSD2) which is a regulatory requirement by law ( Galileo XS2A Product)
          • Implementation of Consumption capabilities to enable data usage from other Banks via PSD2 APIs (Galileo Consumption Product) and helps also other Products within the Group like daVinci (Digital Corporate Portal), Newton (Mobile Banking), etc.


          Within the Merlin Product Bank decided to use IBM API Connect software for creating and managing web application programming interface (APIs), where IBM API Management platform enables users to create, assemble, manage, secure and socialize them. This is essential for Merlin platform to work accordingly to the end user’s specifications.


          Galileo Product is covering implementation of Access to Account within the Payment Service Directive 2 (PSD2) regulatory requirements and consumption of same PSD2 APIs from other Banks.

          CROZ as a trusted partner is responsible for providing support relevant to the Products roadmaps according to business functional & technical requirements defined within the Backlog. Backlog is provided by the RBI’s Teams and services are delivered in agile delivery cycles.

          CROZ experts, very experienced and knowledgeable with IBM API Connect (APIC) platform, work side by side with RBI’s members, collaborating in delivering new age banking experience for the whole Raiffeisen Banking Group. The Teams include more than 180 people with 27 nationalities, 26 languages and have members from 4 continents.



          We are very proud to be part of this challenging story and congratulate RBI on the positive culture and modern organizational and technology practices they’ve implemented within their organization. Check it out!

          Technologies we used

          IBM API Connect IBM Cloud IBM DataPower


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