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AI FOR DIGITAL BANKS & APPS

See the whole customer, not just the part they hold with you.

Today your AI, your personalisation and your product flows operate on a fraction of the customer's financial life — the account, the card, the transactions inside your app. Their wealth, pension, savings, loans, mortgages and insurance typically sit somewhere else. Insurely gives you consented, real-time access to all of it, across every provider. One integration.

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The 30-second overview.

Insurely is a European financial data infrastructure provider founded in 2018. For neobanks and digital financial platforms, Insurely lets the bank see the customer's complete financial life across all their providers, not just the data the bank holds itself. The strategic outcome: AI, personalisation, advisory and transfer flows operate on the customer's full picture.

Data categories: wealth, insurance, pension, savings, loans, mortgages, account data.

Delivery: prebuilt UI (15-30 minutes), REST API (full control), MCP (agent and AI assistant workflows).

Markets: Sweden, France and the Baltics today, with pan-European expansion in progress.

Compliance: FIDA, FDSS and PSD2-aligned. Consent-based, scoped, time-bound and revocable. Data never used to train AI models.

Already trusted by Avanza, Montrose, Eijra and 60+ financial institutions across Europe.

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The picture you have today is incomplete.

Every digital bank is running roughly the same playbook. A great app. Cards. Savings products. Some investing. AI layered on top — recommendations, nudges, an in-app assistant that explains the customer's spending.

The constraint is the same across the category: the AI is operating on the data that sits inside your platform. Internal balances. Internal transactions. The products the customer has bought from you.

Meanwhile the customer holds a pension with an occupational provider you can't see. An apartment insured somewhere else. A mortgage with an incumbent. A stock portfolio at a broker. An investment account at a wealth platform. Loans, savings, the rest of their account life distributed across providers, invisible to the system that's supposed to be personalising for them.

Differentiation that worked five years ago — a marginally better card, a slightly cheaper FX rate, faster onboarding — is no longer enough to win the primary relationship. The digital bank that breaks through next is the one whose product, advisors and AI can finally see the whole customer.



What we give you access to

Seven data categories, consented by the customer, normalised across providers and markets, delivered in real time.

Wealth and investments

Holdings down to ISIN, account types per market (ISK, PEA, ISA, Depot and equivalents), historical performance, fund-level fees, contribution history.

Pension

Occupational and private pensions — provider, balance, projected payout, fund allocation, fees, traditional or unit-linked, transferability flags.

Savings

Savings products held with other providers — balances, account types, interest terms.

Insurance

Home, car, life, accident and pet policies — provider, coverage, premiums, deductibles, renewal dates, beneficiaries, claims history where available.

Loans

Consumer and other loan products held externally — outstanding balance, interest rate, term, repayment schedule.

Mortgages

Mortgages held with incumbents and other providers — outstanding balance, interest rate, fixation period, term, collateral data where consented.

Account data

Accounts at other banks — identifiers, balances, transaction history, recurring flows, standing orders, direct debits, linked cards.

Ask anything about your customer's financial life.

AI-assisted advisory and agent workflows.

Whether the advisor is a human looking at a dashboard or an AI agent reasoning at runtime, the limiting factor is the same: the recommendation is only as good as the picture. With Insurely's data accessible through your API or directly to your agents via MCP, both modes operate on the customer's real, current, complete financial life.

Adjacent platforms already build on Insurely.

Over 60+ European banks, insurers and other financial platforms operate on the Insurely data layer and illustrate the strategic outcomes it enables.

"More than half of the invested capital comes from investment transfers, which shows the true value of the product."

— Daniel Bargiel Almer, CPO, Montrose. Investment transfer flows powered by Insurely.

Avanza, one of the Nordics' largest digital investment and banking platforms, uses Insurely to improve pension experiences for its customers — pension data fetched, structured and presented inside the workflows their users already know.

Montrose, a newly launched investment platform, runs investment transfer flows on Insurely — and saw more than half of their invested capital come in through those transfers.

Eijra, a Stockholm-based AI fintech, runs their full insurance data layer on Insurely — surfacing gaps, duplicates and overpriced premiums across all of a user's providers without a single manual input.

See all success cases →

How we deliver it.

Three integration methods. The choice is about how much UX control you want, how much engineering effort you want to invest, and whether you are building agent-based products.

Prebuilt UI — fastest go-live

An embeddable, brandable user interface for data collection. Drop it in via iframe on web or web view on mobile (iOS and Android SDKs available). Configure colours, fonts and styles to match your brand. Configurable in 15–30 minutes, ready for production with minimal development. Updates automatically — your team focuses on the product, not on keeping the integration alive.

Use this when you want time-to-value over UX bespokeness, or as a starting point you can move off later. Most teams begin here.

Explore Insurely's pre-built UI components →

REST API — full control

Build exactly the user interface and flow you want. Insurely's REST API handles authentication and data retrieval; you handle UX. Implementation runs in days to weeks depending on scope and team.

Use this when the consent experience is part of your brand and your engineering team wants direct control of every screen and edge case.

See how API Access works →

MCP — for agent-based products

The same consented data layer exposed as tools your AI agents can call directly at runtime, over the Model Context Protocol. Designed for agent-based workflows and AI assistants — including products built on Claude Code. One consented connection per user; normalised data exposed as tools the agent can reach for as needed.

Use this when your product surface is an agent or AI assistant rather than a traditional UI — or when you want your internal advisor tools to query client data through the AI workflows they already use. MCP is included at no additional cost for existing Insurely customers. 

More about the MCP →

Compliance and security

Insurely operates under FIDA, FDSS and PSD2-aligned governance. Customer consent is explicit, scoped per data category, time-bound and revocable. Insurely is the data processor; your platform and the end customer are the parties to the consent.

Data is encrypted in transit and at rest. Full audit trail per consent and per data pull. Insurely is registered with the Swedish Financial Supervision Authority and complies with European regulatory requirements for financial data handling. Data is never used to train AI models.

 

FAQ — Common questions from teams building on Insurely

Let's talk

This is a strategy conversation, not a tooling conversation. Bring the use cases you're betting on for the next two years. We'll show you which ones the data layer makes possible — and be direct about where we're not the right fit.

Book 30 minutes with our team