Standardized extraction of financial data from e-banking systems

**Purpose**

1.1. Automate standardized extraction of transactional and account-level financial data from diverse e-banking portals to streamline data ingestion, enable auditing, support compliance, reconcile taxable events, and populate integrated tax authority ledgers for Italy's Agenzia Entrate within government revenue operations.
1.2. Reduce manual processing errors, enforce data formatting standards, accelerate annual/monthly reconciliation, and enable real-time tax oversight.

**Trigger Conditions**

2.1. Scheduled extraction based on bank statement publishing periods (e.g., monthly/weekly last business day).
2.2. Event-based triggers such as new transactions, available bank reports, or account updates in e-banking system.
2.3. On-demand by authorized tax authority staff for audit inquiries or at taxpayer request.

**Platform Variants**

3.1. **Plaid**
• Feature: Transactions API — set up webhook for new transactions; configure `/transactions/get` for all linked bank accounts.

3.2. **Salt Edge**
• Feature: Data API – enable `/accounts/transactions` endpoint and webhook notifications for new data.

3.3. **Tink**
• Feature: Fetch Transactions — activate Data API `/api/v1/transactions` using OAuth2 service account; refresh token automation.

3.4. **Yodlee**
• Feature: FastLink and Data Extraction API — schedule `/transactions` endpoint polling; secure PSD2 integrations.

3.5. **Nordigen (now GoCardless)**
• Feature: Account Information Services API — automate `GET /accounts/{id}/transactions` with consent flow.

3.6. **Bankin’**
• Feature: Bank Data API — configure webhook callbacks for transaction updates via `/v2/feed`.

3.7. **FinTecSystems**
• Feature: XS2A API — set cron for `/api/v1/transactions`; activate event triggers.

3.8. **TrueLayer**
• Feature: Data API — subscribe to `/accounts/transactions` stream for new data; manage via Client Credentials Flow.

3.9. **Figo**
• Feature: API Data Pull — setup recurring job on `/rest/transactions`; handle strong customer authentication.

3.10. **Monzo**
• Feature: Public API — monitor `/transactions` webhook endpoint for authorized accounts.

3.11. **Revolut for Business**
• Feature: REST API Transactions — activate `/api/1.0/transactions` for relevant accounts.

3.12. **Intesa Sanpaolo Open Banking**
• Feature: PSD2 API — enable `GET /accounts/{accountId}/transactions`; set up OAuth2 token lifecycle.

3.13. **Unicredit API**
• Feature: Corporate Account Interface — connect to `/balancesandtransactions` with time-based triggers.

3.14. **BNL (BNP Paribas Italia)**
• Feature: Open Banking API — poll `/bank-accounts/{id}/transactions`; use consent refresh handling.

3.15. **Fineco Open Banking**
• Feature: REST API — configure scheduled extraction for `/v1/accounts/transactions`.

3.16. **ING Italia PSD2**
• Feature: Transactions Endpoint — activate `/api/accounts/transactions`; set user-agent for tax authority access.

3.17. **Santander Global Connect**
• Feature: Open Banking API — automate `/transactions` with delta polling/handling multi-session tokens.

3.18. **AWS Lambda**
• Feature: Scheduled Function — automate extraction and transformation from any banking API into staging database.

3.19. **Azure Logic Apps**
• Feature: Scheduled Workflow — orchestrate API calls to all supported banks; transform to canonical format.

3.20. **Google Cloud Functions**
• Feature: Event-driven function — trigger on webhook from banking APIs, process data and archive with compliance checks.

3.21. **SAP Integration Suite**
• Feature: Open Connectors — link to supported banking APIs; map incoming extracts to SAP tax workflows.

3.22. **Oracle Integration Cloud**
• Feature: REST Adapter — schedule connections to bank APIs; auto-enrich data for tax record-keeping.

**Benefits**

4.1. Reduces compliance risk through timely, standardized financial reporting ingestion.
4.2. Increases audit transparency and speed with direct-to-ledger integration.
4.3. Minimizes manual intervention and the risk of entry errors.
4.4. Supports scalable oversight as account volume and complexity grow.
4.5. Enables cross-bank reconciliation and anti-fraud analytics using canonical datasets.