The European financial sector faces a dual challenge: rapid growth in digital banking (which is expected to grow from $10.14 billion in 2025 to over $35.36 billion by 2033) and increasing regulatory complexity: (between 2019 and 2024, the European Union enacted nearly 13,000 new regulations, bringing the body of standards and directives to more than 15,000 pages). To meet these challenges while maintaining a high pace of innovation, financial institutions (banks, payment institutions and electronic money institutions) are turning to technology as an opportunity to enrich their offerings and/or reduce their costs.
Treezor, the leader in Banking-as-a-Service (BaaS) in Europe, is positioned as a strategic partner for regulated institutions. Our API-First and Cloud Native platform, combining technical modularity and scalability, enables the deployment of new financial services to support your growth.
For traditional players
Faced with the rigidity of legacy technical systems, which lead to long, complex and costly upgrades, Treezor provides complementary technology that is easy to implement and powerful, enabling access to the latest payment standards.
Project challenges |
Treezor solutions |
Benefits for you |
| Evolution of legacy systems |
Access to real-time payment flows via API: SEPA (SCT/SDD), Instant Transfer and cards
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Rapid modernization of payment services while limiting the costs and risks associated with updating legacy infrastructure
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| Optimization of KYC/KYB |
Use of automated identity verification and filtering APIs for onboarding
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Enhanced operational efficiency through digitization and automation of compliance processes
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| Time-to-market for digital projects |
100% API platform for testing and deploying products in a short cycle
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Ability to launch targeted offers (e.g., cards for specific customer segments) with increased responsiveness
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| Infrastructure cost management |
Cloud-native and modular infrastructure allowing only the necessary components (accounts, issuance, acquisition) to be activated
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Increased budget flexibility and transition from a fixed cost model to variable costs
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For digital banks and fintechs
Treezor enables new regulated institutions in Europe to diversify their white-label services, while relying on a proven, secure and competitive technological foundation.
Project challenges |
Treezor solutions |
Benefits for you |
|
New payment practices
|
Issuance of corporate or themed payment cards, tokenization and mobile wallets
|
Product differentiation: meeting specific digital expectations while complementing the traditional model
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| Flow management |
Assignment of dedicated IBANs for the protection and segregation of customer financial flows
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Accounting transparency and fund security within a controlled regulatory framework
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| Regulatory requirements |
Data prepared for regulatory reporting by country |
Data security and compliance with European requirements facilitated by an institution regulated by the ACPR and present in several European countries |
| Expansion into new markets |
Functional API in Europe |
Support for international growth based on proven technology |
ITO service: Platform as a Service
Partnering with Treezor as a technology partner allows regulated institutions to combine speed of execution with the reliability of a recognized industrial partner:
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Real-time technology: Rely on an innovative, real-time Core Banking System developed by Treezor and high-performance APIs to choose the services you need (Accounts, SEPA Processing, Card Processing, Card Issuance, Acquisition, KYC, etc.)
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Customized scalability: Take advantage of Treezor’s expertise to ensure the scalability of your flows in the Cloud.
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Enhanced security: Benefit from a technical environment secured by a PCI DSS partner and audited and regulated by the ACPR.
With Treezor, regulated institutions transform their technological challenges into levers for differentiation and growth, establishing themselves as leading players in the European financial services market.
