Open Finance Academy

Software

Explore the technology used to move money, connect financial data, run finance teams, research markets, and build financial products. This directory focuses on software, developer platforms, and infrastructure. For institutions and account providers, see Banks and Brokerages.

The selection covers established commercial products and notable open source projects across the main areas of financial technology. It is a broad starting point, not an exhaustive inventory or a ranking. Each product link points to its official website, documentation, or source repository and supports the accompanying description. Regional availability and supported integrations vary by product.

Directory updated: September 13, 2026.

Browse by function

Payment acceptance and international payouts

Tools for adding checkout, in-person payments, subscriptions, and transfers to a business or application.

Software or platform What it does
Stripe Provides payment acceptance, billing, marketplace payouts, and developer tools for financial products.
Adyen Combines online and in-person payment processing, payouts, and payment reporting.
Checkout.com Provides online payment processing, payment routing, and fraud tools.
PayPal developer platform Provides checkout, payment, subscription, and payout integrations for applications.
Square developer platform Connects payments, point-of-sale transactions, orders, and business software.
GoCardless Collects recurring and one-time payments directly from bank accounts.
Airwallex Provides software and integrations for international payments, currency conversion, and business spending.
Wise Platform Embeds international transfers and currency services into other products.
Rapyd Connects businesses to local payment methods, collections, and payouts.
Razorpay Provides payment acceptance, subscriptions, and payout tools for businesses in India.
dLocal Connects global businesses to payment collection and payout methods in emerging markets.
Flutterwave Provides payment acceptance and payout integrations with a focus on African markets.

Bank connections and financial data sharing

Tools for connecting an application to customer-authorized bank, transaction, and business data. Many expose application programming interfaces (APIs) that developers use to connect software systems.

Software or platform What it does
Plaid Connects financial accounts and supplies transaction, balance, identity, and payment-related data.
Tink Provides bank connections, transaction enrichment, and bank-payment services in Europe.
TrueLayer Provides pay-by-bank, payouts, and supporting financial data integrations.
Belvo Provides financial data and payment integrations for Latin American markets.
Teller Gives applications access to connected bank-account balances and transactions.
MX Connects and categorizes financial data for banking and money-management applications.
Codat Connects business accounting and financial systems to lending, payment, and finance applications.

Card issuing and embedded financial services

Platforms for building card programs and adding financial features inside another product.

Software or platform What it does
Marqeta Issues and processes payment cards with programmable spending controls.
Lithic Provides card issuing, transaction processing, and money-movement APIs.
Stripe Issuing Creates and manages virtual and physical payment cards through software.
Unit Supplies infrastructure for embedded accounts, cards, and payments through bank partners.

Core banking and lending software

Systems used by banks, lenders, and developers to maintain customer accounts, configure products, and manage loans.

Software or platform What it does
Temenos Core Banking Runs banking products and account processing across retail and business banking.
FIS Modern Banking Platform Provides modular core account and banking-product infrastructure.
Fiserv DNA Processes accounts and maintains customer relationships for banks and credit unions.
Finastra Essence Supports core banking, deposits, lending, and account operations.
Thought Machine Vault Core Lets banks define financial products and run accounts on a programmable banking platform.
Mambu Provides cloud software for configuring and managing lending and deposit products.
nCino Manages loan applications, lending workflows, and customer onboarding for financial institutions.
Apache Fineract Provides open source account, savings, and loan-management infrastructure.

Payment operations, treasury, and ledgers

Tools for managing business cash, coordinating transfers, recording balances, and matching payments to financial records.

Software or platform What it does
Modern Treasury Coordinates money movement and payment operations through a common API.
Dwolla Connects applications to bank-payment services and automates transfers.
Kyriba Manages cash visibility, forecasts, bank connections, payments, and currency risk.
HighRadius Automates collections, cash application, treasury, and accounting workflows.
BlackLine Matches financial records, reconciles accounts, and manages period-end accounting tasks.
TigerBeetle Provides a database designed to record financial accounts and transfers.
Formance Provides programmable ledgers and tools for coordinating and reconciling money movement.
Mojaloop Provides open source software for connecting payment providers in interoperable payment systems.

Accounting and business finance

Applications for keeping business books, producing financial statements, and connecting finance with business operations.

Software or platform What it does
QuickBooks Handles small-business bookkeeping, invoicing, expenses, and financial reports.
Xero Provides cloud accounting, bank reconciliation, invoicing, and reporting.
Sage Intacct Manages accounting, reporting, and finances across business entities.
Oracle NetSuite Connects accounting and financial management with inventory, sales, and other business operations.
SAP Cloud ERP Integrates enterprise accounting, finance, purchasing, and operational processes.
Oracle Fusion Cloud Financials Runs enterprise accounting, payments, collections, and financial reporting.
Microsoft Dynamics 365 Finance Manages enterprise financial operations, budgets, and reporting.
Zoho Books Provides accounting, invoicing, expense tracking, and business reports.
ERPNext Provides open source business software with accounting, purchasing, inventory, and sales modules.

Billing, expenses, payroll, and tax

Tools for collecting customer payments, paying suppliers and staff, and recording business costs.

Software or platform What it does
BILL Automates supplier bills, approvals, payments, and customer invoicing.
Tipalti Automates supplier onboarding, invoice processing, and business payouts.
Chargebee Manages subscription and usage-based billing, invoicing, and revenue workflows.
Zuora Handles subscription management, billing, collections, and revenue accounting.
SAP Concur Manages employee travel, expense reports, and invoice workflows.
Expensify Captures receipts and manages expense reports, approvals, and reimbursements.
Ramp expense management Automates expense submission, policy checks, and accounting categorization.
Gusto Runs payroll and related employee payment and benefits workflows.
ADP payroll software Calculates payroll and manages employee pay and payroll reporting.
Avalara Automates tax calculations, returns, and related business tax workflows.
Vertex Integrates business tax calculation and reporting into commerce and accounting systems.

Financial planning and reporting

Tools for building budgets, testing business scenarios, and coordinating financial reports.

Software or platform What it does
Microsoft Excel Builds spreadsheets, financial models, forecasts, and reconciliations.
Google Sheets Supports collaborative budgets, financial models, and data analysis in spreadsheets.
Anaplan Connects financial plans with sales, workforce, and operational scenarios.
Workday Adaptive Planning Supports budgeting, forecasting, scenario planning, and management reporting.
OneStream Combines financial consolidation, planning, reporting, and period-end workflows.
Workiva Connects data and collaborative workflows for financial, regulatory, and sustainability reporting.

Market data and investment research

Products for obtaining prices, company information, economic data, and research. Access to underlying datasets depends on the provider’s terms.

Software or platform What it does
Bloomberg Terminal Combines market data, news, analytics, and professional research workflows.
LSEG Workspace Provides financial data, news, research, and analytics for investment workflows.
FactSet Combines company and market data with investment research and portfolio analytics.
S&P Capital IQ Pro Provides company financials, market intelligence, screening, and research tools.
Morningstar Direct Supports investment research, fund comparisons, and portfolio analysis.
TradingView Provides market charts, screening, alerts, and scripted indicators.
Databento Delivers historical and real-time market data through developer interfaces.
Alpha Vantage Supplies financial time series, company data, and indicators through APIs.
Nasdaq Data Link Distributes financial and alternative datasets for research and applications.
FRED API Gives software access to economic time series published through the Federal Reserve Bank of St. Louis.
OpenBB Open Data Platform Provides an open source toolset for connecting public, licensed, and internal data to research applications.

Portfolio, trading, and risk systems

Professional software for investment portfolios, trade workflows, and financial risk analysis.

Software or platform What it does
BlackRock Aladdin Connects portfolio management, risk analysis, investment operations, and accounting.
Murex MX.3 Supports trading, treasury, risk management, and processing after trades are made.
Nasdaq Calypso Connects trading, risk, treasury, and post-trade operations.
SimCorp Provides integrated investment management, portfolio operations, and accounting software.
SS&C Advent Provides portfolio accounting, reporting, and investment-management applications.
Charles River Investment Management Solution Supports portfolio construction, order management, trading, and investment compliance.

Quantitative research and open source tools

Libraries and development tools for financial calculations, statistical research, and testing strategies against historical data.

Software or project What it does
QuantLib Provides open source financial calculations, pricing models, and risk-analysis components.
QuantConnect LEAN Provides an open source engine for researching, backtesting, and running trading algorithms.
pandas Cleans, combines, and analyzes tabular and time-series data in Python.
NumPy Provides numerical arrays and calculations used in financial models.
SciPy Provides scientific calculations, optimization, and statistical tools.
statsmodels Fits statistical and time-series models for research and forecasting.
JupyterLab Combines executable code, charts, and explanations in research notebooks.
R Provides a programming environment for statistical analysis and graphics.
MATLAB Provides numerical computing and commercial tools for financial modeling and risk analysis.
FINOS Perspective Builds interactive tables and charts for large or streaming datasets.

Data engineering and analytics

General-purpose tools used to store, prepare, and report on financial data.

Software or platform What it does
Microsoft Power BI Builds dashboards and reports from accounting, operating, and market data.
Tableau Creates interactive visual analysis and business reporting.
Snowflake Stores and processes data for analytics and data sharing.
Databricks Combines data engineering, analytics, and machine-learning workflows.
dbt Transforms warehouse data into documented, reusable analytical models.
DuckDB Runs analytical queries on local data and files, including research datasets.
PostgreSQL Stores structured application and reporting data in a relational database.
Apache Kafka Streams transaction and other event data between applications.
Apache Airflow Schedules and monitors data-processing workflows.

Identity, fraud, and compliance

Tools for verifying users and businesses, investigating suspicious activity, and preparing regulatory reports.

Software or platform What it does
Persona Provides identity verification and configurable user-verification workflows.
Alloy Coordinates identity checks, fraud decisions, and customer-risk monitoring.
Feedzai Analyzes payment and customer activity to detect fraud and financial crime.
ComplyAdvantage Screens customers and monitors transactions for financial-crime risks.
NICE Actimize Supports fraud detection, financial-crime investigations, and compliance workflows.
Nasdaq Verafin Provides financial-crime monitoring and investigation software for financial institutions.
Nasdaq AxiomSL Manages data, calculations, and reporting for financial regulatory requirements.

Blockchain and digital asset infrastructure

Developer tools for blockchain applications, digital wallets, payments, and transaction analysis.

Software or platform What it does
Circle developer platform Provides tools for digital wallets, smart contracts, and stablecoin transfers.
Fireblocks Provides infrastructure for securing and moving digital assets and managing transaction policies.
Alchemy Provides blockchain connections, data APIs, and application-development tools.
Chainalysis Analyzes blockchain transactions for investigations, monitoring, and risk assessment.
Dune Provides blockchain datasets, queries, and shared analytical dashboards.
OpenZeppelin Contracts Supplies reusable open source smart-contract components for blockchain developers.
BTCPay Server Provides open source software for accepting Bitcoin payments on infrastructure you control.

Insurance software

Software or platform What it does
Guidewire Runs insurance policy, billing, claims, and related data workflows.
Duck Creek Provides software for insurance policy administration, billing, claims, and distribution.

Personal finance software

Applications for organizing a household’s financial records, budgets, and goals.

Software or platform What it does
YNAB Helps households assign money to spending categories and plan for expenses.
Quicken Tracks personal finances, spending, bills, and investments.
Monarch Combines account tracking, budgeting, financial goals, and household collaboration.
Actual Budget Provides open source budgeting software with local data and optional synchronization.
GnuCash Provides open source personal and small-business accounting with transaction tracking and reports.

Payment networks and integration standards

These are related infrastructure references rather than standalone software products. They cover the networks, payment schemes, and message formats that financial software connects to. The links lead to operators or standards organizations; production access depends on the relevant participation arrangements.

Network, scheme, or standard Role in financial technology
ACH / FedACH US bank-payment processing used for payroll, bill payments, and other transfers; FedACH is a Federal Reserve ACH service.
FedNow Federal Reserve infrastructure for instant payments between participating US financial institutions.
RTP network The Clearing House’s US instant-payment network, with technical specifications for participating institutions.
SEPA Instant Credit Transfer A European Payments Council scheme and implementation rules for instant euro transfers.
Faster Payment System Pay.UK’s infrastructure for real-time payments between UK accounts.
Pix Brazil’s instant-payment system, developed by its central bank.
Unified Payments Interface (UPI) NPCI’s system for initiating instant bank payments through applications in India.
New Payments Platform (NPP) Australian account-to-account payment infrastructure supporting real-time payments and related services.
Swift A secure financial messaging network used to exchange payment instructions; banks and payment systems perform the money transfer.
Visa Developer and Mastercard Developers Integration resources for card-network services, payments, and related data products.
ISO 20022 A financial-message standard used by many payment and reporting systems.
FIX Trading Community Standards for exchanging electronic trading and related financial messages.
FINOS FDC3 A standard for letting financial desktop applications share context and work together.

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