Definition
Programmatic interfaces enabling software applications and AI agents to access banking, accounting, invoicing, payment, and business financial data across fragmented national systems.
Key Points
- 2026-09-14: chift raises €10.5M Series A for unified financial connectivity layer targeting AI-era applications (2026-09-14-chift-series-a-tech-eu-primary)
- Single API connects to 120+ systems across 13 European countries — avoids per-integration build cost
- AI agents require connected financial data via MCP/RAG infrastructure for autonomous accounting/finance workflows
- European e-invoicing mandates (by 2030) accelerate demand for interoperable financial software
- Overlaps with open-banking but spans accounting, POS, e-commerce beyond banking rails