Master new skills with our 21-day learning paths, broken into easy 5-minute daily lessons.

Start your journey for free.

fintech Intermediate 21 lessons

Banking APIs (Open Banking)

Connect apps to bank accounts. Master Open Banking standards (PSD2), OAuth 2.0 security, and aggregators like Plaid and Yodlee.

Open Banking allows apps to securely access user financial data. This course teaches the architecture of Fintech connectivity. You will learn to use data aggregators like Plaid to fetch transaction history and verify balances. Master the OAuth 2.0 flows required for secure bank authorization. We cover the PSD2 regulation in Europe and how it standardized APIs. Learn to build personal finance management (PFM) features and initiate payments directly from bank accounts.

✅ 100% Free & Lifetime Access
⏱️ 5-Minute Lessons (Bite-sized learning)
🚀 21-Lesson Path (Independent modules)
📱 Mobile Friendly (Learn anywhere)
Bank Devs
Start Learning
Secure Enrollment via SSL

Complete Course Syllabus

  • 1
    Open Banking Intro
    The shift from screen scraping to authorized APIs.
  • 2
    Plaid Integration
    Using the Link SDK and exchanging public tokens.
  • 3
    Data Enrichment
    Cleaning messy bank transaction descriptions.
  • 4
    Payment Initiation
    Moving money without credit card rails (ACH/SEPA).
  • 5
    Security Model
    Consent management and token rotation policies.

Estimated completion time: 21 lessons • Self-paced learning • Lifetime access

Career Outlook

Estimated Salary
$110k - $160k

Career Paths

Fintech API Eng $120k-$165k
Integration Specialist $100k-$140k
Backend Developer $110k-$150k

What You Will Learn

Integrate Plaid Link to connect user bank accounts securely
Fetch and categorize transaction data for budgeting apps
Implement OAuth 2.0 flows for financial data consent
Initiate bank-to-bank payments (A2A) via APIs
Navigate PSD2 and Open Banking regulations

Skills You Will Gain

Plaid API OAuth 2.0 Open Banking API Security Financial Data Standards

Who Is This For

Fintech Developers
Product Managers
API Architects

Prerequisites

REST APIs
Web Auth

Banking APIs (Open Banking) FAQs

Europe vs US?

EU is regulated (PSD2); US is market-led (Plaid).

Security?

Critical; we cover encryption and non-storage of credentials.

Screen scraping?

Legacy method; we focus on modern API access.

Coding?

Yes, implementing API handshakes.

Need more info?
All Reork courses are 100% free, self-paced, and fully accessible on mobile devices. No prior experience is required. Read our full Platform FAQ.

Tech Stack & Tools

Plaid
TrueLayer
Postman
OAuth Debugger

Recommended Next Steps

Fintech Founder & Startup Strategy

fintech Advanced

Build a fintech startup. Market entry, licensing strategy, and fintech fundraising.

Open Banking & API Economy

fintech Intermediate

Open banking ecosystem. PSD2, API design, and third-party integrations.

Fintech Regulation & Licensing

fintech Advanced

Navigate fintech licensing, sandbox programs, and multi-jurisdiction compliance.

Your Next Steps

3 recommended paths based on what you're learning

Currently studying: Banking APIs (Open Banking)
Level Up

Technical PM

Top performers in Banking APIs (Open Banking) often move into Technical Project Manager. See why.

About 5 minutes
Technical Project Manager Course
Ready for the next level? Jump in — 5 min read
Power Combo

Technical Communication

Technical Communication gives your Banking APIs (Open Banking) skills a serious edge. Worth the 5-minute intro.

About 5 minutes
Technical Communication for Banking APIs (Open Banking) Learners
Add this to your toolkit — 5 min is all it takes
AI Shortcut

Claude + Artifacts

The smartest Banking APIs (Open Banking) professionals are using Claude + Artifacts to build interactive demos while you chat.

About 5 minutes
AI Interactive Learning
Work smarter, not harder — try this AI tool
Start Learning