桑坦德英国与Token.io合作，以增强开放银行业务能力

这项合作在伦敦的开放银行博览会上揭幕，旨在改善客户体验并使用Token.io的连接性和基础架构制定创新的付款主张。

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

英国桑坦德（Santander UK）已与Token.io（A2A）付款基础设施的提供商Token.io合作，以增强其开放银行业务能力。

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.

这项合作在伦敦的开放银行博览会上揭幕，旨在改善客户体验并使用Token.io的连接性和基础架构制定创新的付款主张。

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，桑坦德将整合Token.io的技术，为客户提供直接从外部银行帐户偿还信用卡的选项。

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.

该A2A付款方式旨在提供比传统的直接借记或手动银行转移的更无缝体验，消除了手动数据输入错误，并将生物识别强的客户认证（SCA）纳入了移动付款。

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

桑坦德人还旨在通过使用Token.io的基础设施来为其零售银行客户提供实时货币运动现代化。

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的全资子公司Santander UK为英国超过1400万活跃的客户提供服务，提供了广泛的金融产品和服务。

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首席执行官托德·克莱德（Todd Clyde）表示：“我们很高兴与桑坦德（Santander）合作，桑坦德（Santander）是一家前瞻性的机构，致力于推动开放银行创新并增强数百万客户的体验。

“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 的技术与桑坦德银行对卓越服务的奉献精神相结合，无疑将为金融机构如何利用开放式银行业务创造创新价值主张，满足消费者和企业不断变化的需求制定新标准。”

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.

该合作伙伴关系与Capgemini研究所的世界付款报告2025的见解相吻合，该报告强调了即时付款和对金融机构的开放银行业务的重要性。

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

该报告表明，这些技术可能会抵消未来卡交易量增长的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还将其与Token.io的合作伙伴关系扩大，并在四个新市场（荷兰，西班牙，法国和爱尔兰）中添加了Token.io的虚拟帐户，以提高Ecommpay Open Banking。