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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
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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

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Embed payments, lending, and insurance into non-financial products. BaaS and partnerships.

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