IPF Digital, the Estonian EMI and lender providing services globally, joined forces with Mambu, a leader in composable banking, and Salt Edge, pioneer in developing open banking solutions, to become PSD2 compliant and contribute to a greater financial inclusion on the European market.

PSD2 directive has shaken the regulatory landscape all over Europe, boosting financial inclusion for the underserved users lacking access to financial services. Various researches show that there are over 40 million EU adults not having access to reasonable financial services, with approximately 10% of the European households being over-indebted. Things have started moving in a better direction starting with 2019 when PSD2 came into effect, and responsible fintech companies approached the issue wisely and started building financial services around the open banking APIs. This is also the case of IPF Digital, part of International Personal Finance PLC., who recently got licensed as an EMI and chose Mambu for core banking services and Salt Edge to help them become PSD2 compliant.

Salt Edge has been helping 100+ institutions across Europe to comply with all the regulatory and technical requirements with its full-stack PSD2 Compliance Solution. The solution, being pre-integrated on Mambu’s core banking platform, helps IPF Digital to save time and make the compliance journey even more seamless. The PSD2 Compliance Solution comes with a set of fundamental elements including account information and payment initiation APIs, developer portal for third parties, a set of dashboards, a TPP verification system that helps IPF Digital in covering its conformity needs and successfully continuing to make a difference in the lives of its customers.

We are glad to build new services and provide them to people who don’t have easy access to financial services in their countries. In this pursuit, we needed a partner with a high level of expertise in PSD2 compliance and, thanks to Mambu, we found Salt Edge. Integrating its PSD2 Compliance Solution was an easy and well-organised process. This partnership contributes to sustainable development on the part of financial inclusion by serving the underserved. It is breaking the market and the information barriers.

Mihkel Karu, Business Development, Board Member at IPF Digital

Understanding the potential customers’ needs and approaching them with the latest technology is what we appreciate in every partnership that Salt Edge enters in. We are always happy to help Mambu clients become compliant in no time. Enabling PSD2 compliance for IPF Digital is directly contributing to enlarging financial inclusion and opening additional financial services to the formerly underserved categories. It is an honour for Salt Edge to be part of this and leave our footprint on the way to sustainable development.

Lisa Gutu, Head of Business Development at Salt Edge

Besides the honourable aim of this partnership, there is one more special thing about this force joining, and that is the “matchmaking” Mambu platform, which has helped IPF Digital look for and find the partner it needed.



Ben Goldin, Mambu’s Chief Technology Officer


In the age of ecosystems, it’s crucial now more than ever to encourage more symbiotic relationships for the platform economy, and by partnering with both IPF Digital and Salt Edge we’re delivering on our aim of making financial services more accessible. We continuously work to bring best-of-service partners to our ecosystem with the goal of providing our customers with better, simpler access to financial services architectures. This also allows them to focus on the delivery of their strategy and customer experience.