桑坦德英國與Token.io合作，以增強開放銀行業務能力

這項合作在倫敦的開放銀行博覽會上揭幕，旨在改善客戶體驗並使用Token.io的連接性和基礎架構制定創新的付款主張。

Santander UK has partnered with Token.io, a provider of account-to-account (A2A) payment infrastructure, to enhance its open banking capabilities.

英國桑坦德（Santander UK）已與Token.io（A2A）付款基礎設施的提供者Token.io合作，以增強其開放銀行業務能力。

The collaboration, unveiled at the Open Banking Expo in London, aims to improve customer experiences and develop innovative payment propositions using Token.io’s connectivity and infrastructure.

這項合作在倫敦的開放銀行博覽會上揭幕，旨在改善客戶體驗並使用Token.io的連接性和基礎架構制定創新的付款主張。

Initially, Santander will integrate Token.io’s technology to offer its customers the option to make credit card repayments directly from an external bank account.

最初，桑坦德將整合Token.io的技術，為客戶提供直接從外部銀行帳戶償還信用卡的選項。

This A2A payment method is designed to provide a more seamless experience than traditional direct debit or manual bank transfers, eliminating manual data entry errors and incorporating biometric Strong Customer Authentication (SCA) for mobile payments.

此A2A付款方式旨在提供比傳統的直接扣款或手動銀行轉移的更無縫體驗，消除了手動資料輸入錯誤，並將生物識別強的客戶認證（SCA）納入了行動付款。

Santander also aims to modernise real-time money movement for its retail banking clients by utilising Token.io’s infrastructure.

桑坦德人還旨在透過使用Token.io的基礎設施來為其零售銀行客戶提供即時貨幣運動現代化。

Santander UK, a wholly-owned subsidiary of Banco Santander, serves over 14 million active customers in the UK, offering a wide range of financial products and services.

Banco Santander的全資子公司Santander UK為英國超過1,400萬活躍的客戶提供服務，提供了廣泛的金融產品和服務。

Token.io CEO Todd Clyde said: “We are thrilled to partner with Santander, a forward-thinking institution committed to driving open banking innovation and enhancing the experience of millions of customers.

Token.io執行長 Todd Clyde表示：「我們很高興與桑坦德（Santander）合作，桑坦德（Santander）是一家前瞻性的機構，致力於推動開放銀行創新並增強數百萬客戶的體驗。

“Token.io’s technology, combined with Santander’s dedication to exceptional service, will undoubtedly set new standards for how financial institutions leverage open banking to create innovative value propositions that meet the evolving needs of consumers and businesses.”

“Token.io 的技術與桑坦德銀行對卓越服務的奉獻精神相結合，無疑將為金融機構如何利用開放式銀行業務創造創新價值主張，滿足消費者和企業不斷變化的需求制定新標準。”

The partnership aligns with insights from the Capgemini Research Institute’s World Payments Report 2025, which underscores the significance of instant payments and open banking for financial institutions.

該合作夥伴關係與Capgemini研究所的世界付款報告2025的見解相吻合，該報告強調了即時付款和對金融機構的開放銀行業務的重要性。

The report suggests that these technologies could potentially offset 15-25% of future card transaction volume growth.

該報告表明，這些技術可能會抵消未來卡片交易量成長的15-25％。

Earlier this month, Ecommpay also extended its partnership with Token.io, adding Token.io’s virtual accounts in four new markets — the Netherlands, Spain, France, and Ireland, to Ecommpay Open Banking Advanced.

本月初，Ecommpay也將其與Token.io的合作夥伴關係擴大，並在四個新市場（荷蘭，西班牙，法國和愛爾蘭）中添加了Token.io的虛擬帳戶，以提高Ecommpay Open Banking。