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Client-Side Account Aggregation Services and Customer Personal Data Privacy

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eWise is an international supplier of account aggregation and money management solutions.
Used by global financial institutions such as the HSBC Group and Westpac, eWise products are deployed extensively across Europe, Asia and Australia to power digital banking and personal financial management apps.


eWise invented ‘client-side’ account aggregation, a unique way for users to securely and privately, aggregate, store, manage and share their financial data.

Through client-side data aggregation, consumer data is gathered from a range of sources such as loans, bank accounts, credit cards, investment portfolios, offline assets, loyalty programmes and utility companies. User personal data is subsequently encrypted and stored on a personal data vault (PDV).

The PDV resides on the end-user’s chosen device and is transferable, allowing personal data to be stored on a laptop, smartphone or tablet, and shared by the end-user whenever necessary. It also uses AES-256 encryption, and cannot be blocked by aggregated institutions.

The PDV can also store offline assets and liabilities such as property values and loans, which are manually entered to give consumers a holistic view of their wealth, and users do not need to disclose their online account login and password to a third-party or eWise. This gives the user ultimate data privacy and control.

The technology enabling client-side data aggregation is accessed through the eWise Aegis platform.



eWise’s client-side aggregation is an alternative to ‘server-side aggregation’, which involves aggregation taking place continuously over the Cloud or via remote servers.

In the ‘server-side model’ customers provide ‘agency’ coverage to the service provider and supply their online login details, which are stored on the server and used by the provider to perform aggregation with associated security risks.

By contrast, client-side aggregation occurring on an end-user’s personal device does not involve storage of personal credentials and is less susceptible to being a target for hackers. Users can give and revoke access to their personal data to third-party service providers anytime. Client-side data aggregation is therefore a safer and more reliable way of aggregating sensitive information, giving end-users full control of their financial data.



eWise supplies application programme interfaces (APIs) for transaction categorisation, cashflow forecasting and alerting.

eWise APIs are ready-to-use, and developers can use eWise API services to efficiently build financial apps, leveraging eWise expertise in transaction categorisation and cashflow forecasting. APIs can be integrated seamlessly within their apps or connect to the Aegis platform to access bank data.

eWise’s Categorisation-as-a-Service (CaaS) API automatically categorises user’s financial transactions, giving businesses a deeper understanding of their customers.

The eWise Cashflow Forecasting API allows developers to forecast user cash-flows over time by automatically incorporating how much money they are expecting to come in and out, based on user’s spending and income.

Founded in 2000, eWise has a client base comprising banks, insurers, wealth advisors and financial technologies (FinTechs).

Recent partnerships include FinTechs TSWG, WeInvest, PiSight and FinGo. For these, eWise account aggregation technology will be used to support digital banking and personal financial management solutions.

eWise’s account aggregation and categorisation technology will also be deployed by Gini, Hong Kong’s first loyalty-based customer relationship management platform and eWise’s first Hong Kong partner.

eWise holds patents in the US, Australia, Asia and Europe.  Headquartered in Switzerland, the company has operations in Europe, Asia and Australia.


eWise Aegis – Personal Data Vault

eWise at FinovateEurope2016


eWise has led innovation and security in personal data and money management since 2000, when it invented client-side account aggregation. This heritage is the foundation of our unique patented personal data management technology: eWise AEGIS. Please download this free white paper to read more.

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