Gd Next

What Gd Next does

GD Next GmbH is a Swiss-headquartered technology services and product company specializing in Open Banking infrastructure for European banks, payment service providers, and fintechs. The firm, founded circa 2018 and based in Schlieren with a Competence Center in Vienna and an R&D office in Kyiv (LLC Golden Dimension), delivers PSD2/GDPR-compliant solutions including the OpenBanking Compliance Suite, the BankEmu API sandbox and developer portal, the Gate2Bank unified API gateway, and the PolyBPMN plugin for IntelliJ IDEA. The company is a member of the Berlin Group openFinance Advisory Group and contributes to Ukrainian Open Banking standard development through an open-source reference implementation on GitHub. Reported scale includes 60+ financial institution customers, 50+ completed projects, 90% repeat-customer rate, and 40+ employees across Switzerland, Austria, and Ukraine.

The business operates a hybrid revenue model combining one-time/perpetual software licenses for on-premise deployments, monthly SaaS subscriptions for the cloud-based Compliance Suite, and project-based professional services covering solution design, quality assurance, cloud-native implementation, and Open Banking consulting. Go-to-market is enterprise field sales augmented by event-driven demand generation (INFINTECH, Digital ID Forum, Open Finance conferences), content marketing, and developer relations through the BankEmu sandbox. Customer segments span banks and financial institutions, payment service providers, fintech companies, and corporates (most recently extended into ERP/e-invoicing through an Odoo Learning Partnership signed in February 2025). Notable customer engagements include OTP Bank Ukraine (Open Banking implementation for the August 2025 Ukrainian mandate), adorsys (5+ year strategic partnership), Fintegra, Document.One, and Cure Finance.

The product portfolio is anchored in regulated banking compliance rather than horizontal infrastructure, and recent strategic activity suggests a shift from pure compliance tooling toward broader open finance enablement, including mobile authentication integration (Wultra), national open banking standard adaptation (Ukraine), and a RAG-based document search capability. The company is privately held and founder/management-controlled, with no disclosed institutional funding.

Name

Gd Next

Legal name

GD Next GmbH

Website

https://gdnext.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

GD Next is a Swiss-headquartered technology provider of PSD2-compliant Open Banking products and services — including compliance suites, API sandboxes, and API gateways — serving European banks, payment service providers, and fintechs across Switzerland, Austria, and Ukraine.

Ownership category

akta.pro rank

Product category

Open Banking & Financial API Software

NAICS

Custom Computer Programming Services (541511), Computer Systems Design and Related Services (54151), Other Activities Related to Credit Intermediation (52239)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming Services (7371)

akta.pro industry

PRIMARYFSAMAFAA

Open Banking APIs & Connectivity

Financial & Insurance/Payments & Transaction Processing/Account-to-Account (A2A) & Open Banking Payments

SECONDARYFSAGACAJ

Recurring Payments & Variable Recurring Payments (VRP) Enablement

Financial & Insurance/Financial Technology (Fintech)/Open Banking & Data Aggregation

SECONDARYFSABALAA

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Banking Operations & Shared Services (Back Office, BPO/SSC)

Keywords

• Open banking software
• PSD2 compliance solutions
• Banking API platform
• Strong customer authentication
• Financial API sandbox

Headquarters

HQ city

Schlieren

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Supply Chain

Revenue model

1. Software Licensing (Individual): Individual installation of Open Banking Compliance Suite deployed on-premise or cloud infrastructure owned by customer. Higher upfront investment with less external dependencies.
2. Software-as-a-Service (SaaS): Cloud-based deployment of Open Banking Compliance Suite with shared operational costs, faster implementation, automatic updates, and ability to compete with larger players.
3. Professional Services & Consulting: Technical consulting, solution design & development, quality assurance, cloud-native solutions implementation, and Open Banking consulting services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

GD Next provides a suite of open banking software products and technical services for banks, financial institutions, payment service providers, and fintech companies. Its core offering is the OpenBanking Compliance Suite — a PSD2/GDPR-compliant platform that includes an Open Banking API, configuration management, sandbox, consent management, developer portal, and certificate/TPP validation, available as individual installation or SaaS. Complementing products include BankEmu (bank emulation and API sandbox), Gate2Bank (unified API gateway), and the PolyBPMN plugin for IntelliJ IDEA, supported by professional services in solution design, quality assurance, cloud-native deployment, and open banking consulting.

Product overview

GD Next is a 360° technology solution provider specializing in banking and finance with a portfolio of open banking products and developer tools. The core product is the OpenBanking Compliance Suite — a comprehensive, PSD2/GDPR-compliant platform for banks and financial institutions covering all essential Open Banking framework components, available as Individual or SaaS deployment. This suite incorporates BankEmu (bank emulation platform and API sandbox serving as the Developer Portal), a unified Open Banking API, Consent Management & Database, Configuration Management, and Certificate/TPP Validation. Gate2Bank is a separate unified API gateway framework providing standardized access to Open Banking APIs across disparate standards. PolyBPMN Plugin for IntelliJ IDEA is a separate developer productivity tool for BPMN workflow modeling. Extended services include Transaction Monitoring, Fraud Detection & Reporting, and SCA Mobile Application. The Open Banking Ukraine open-source project on GitHub extends the portfolio with a national open banking standard implementation.

Differentiator

Problem solved

Functional benefit

Brands

• BankEmu: Banking framework emulation platform and API sandbox for Open Banking services, enabling external payment service providers to test PSD2-compliant APIs in the EU and beyond
• PolyBPMN
• Gate2Bank
• OpenBanking Compliance Suite
• Odoo Solutions

Products and services

• OpenBanking Compliance Suite A comprehensive PSD2/GDPR-compliant software platform for banks and financial institutions covering all essential components of the Open Banking framework, including Open Banking API, Configuration Management, Sandbox, Consent Management, Developer Portal (BankEmu-based), and Certificate/TPP Validation. Available as Individual (on-premise) or SaaS deployment, with extended services such as Transaction Monitoring, Fraud Detection & Reporting, SCA Mobile Application, and Support & Maintenance.
• BankEmu A bank emulation platform and API sandbox for Open Banking services that emulates the banking framework and enables external Payment Service Providers in the EU and beyond to test Open Banking APIs including all PSD2-compliant services. Supports real transaction simulation, automated testing data flows, test-data management, and Wultra mobile authentication for Redirect, Embedded, and Decoupled SCA flows. Used as the Developer Portal component of the OpenBanking Compliance Suite.
• Gate2Bank A unified API gateway framework providing transparent access to Open Banking APIs, delivering a standard unified API to remove the burden of mapping disparate API standards and authorization approaches across multiple banks and financial institutions.
• PolyBPMN Plugin for IntelliJ IDEA An IntelliJ IDEA plugin that brings BPMN (Business Process Model and Notation) capabilities closer to developer needs, supporting editing and visualising BPMN diagrams with navigation and process debugging, providing a bridge to jump between code and BPMN diagrams. Supports Camunda, Activiti, and Flowable dialects with BPMN XML file creation/editing, an embedded diagram window, three editing modes (BPMN file, modeler, split view), and Git-based file comparison.
• Odoo ERP Solutions and Services ERP implementation, customization, and training services delivered as an official Odoo Learning Partner, including e-invoicing automation, invoice and delivery automation, regulatory compliance, and digital document management for businesses. Includes access to Odoo Enterprise Version, professional services resources, and a wide network of experts.
• Strong Customer Authentication (SCA) Mobile Application A dedicated mobile application for the Strong Customer Authentication authorization process, integrated with Wultra's mobile authentication SDK, supporting Redirect SCA, Embedded SCA, and Decoupled SCA flows with 60% cost savings claimed versus SMS-OTP-based authentication.

Quantifiable outcome

• 90% of customers return for next project
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature9 records

Partnerships

Six partnerships are on record, tiered core.

• WultracoreStrategic or Co-development Partner · 1 November 2023Solution partnership for enhancing authentication solutions. Integration of Wultra's mobile authentication technology into GD Next's product suite for Strong Customer Authentication (SCA). Webinars conducted together on SCA implementation in Ukraine.
• CRIFcoreStrategic or Co-development PartnerCore business partner working group member. CRIF is a credit reporting and financial information company. Collaboration at INFINTECH 2023 conference as co-presenters on fintech landscape topics.
• The Berlin GroupcoreStrategic or Co-development PartnerCore business partner working group member. GD Next participates in Berlin Group Open Finance Conference and aligns with NextGenPSD2 standards for Open Banking implementation.
• Open API GroupcoreStrategic or Co-development PartnerCore business partner working group member. Collaborates on Ukrainian Open Banking standard adaptation based on European PSD2 and Open Banking specifications.
• adorsyscoreStrategic or Co-development PartnerLong-term strategic partnership for Open Banking solutions. GD Next has been engaged with adorsys for over 5 years delivering high-quality solutions and teams for Open Banking projects.
• OdoocoreChannel Partner/ Reseller/ DistributorOfficial Learning Partner with Odoo since February 2025. Provides Odoo implementation, customization, and training services. Offers Odoo ERP solutions for businesses including e-invoicing automation.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Yapily: Yapily is an Open Banking API connectivity provider serving banks, fintechs, and PSPs in Europe with a unified API and consent management — closely matching GD Next's Gate2Bank and compliance suite value proposition.
• TrueLayer: TrueLayer provides Open Banking APIs for account information and payment initiation across Europe, competing head-to-head with GD Next in the same bank and TPP buyer segment with PSD2 connectivity products.
• Token.io: Token.io provides Open Banking payment initiation and account information services to banks and PSPs across Europe, competing in the same regulated PSD2 API connectivity market as GD Next.
• Konsentus: Konsentus provides Open Banking regulatory and transaction risk data services, including TPP identity and certificate validation — overlapping with GD Next's Certificate Validation & TPP Validation Service component.
• Salt Edge: Salt Edge is an Open Banking API and PSD2 compliance platform offering account aggregation, payment initiation, and a sandbox/developer portal — directly comparable to GD Next's BankEmu and OpenBanking Compliance Suite.
• Tink: Tink (owned by Visa) is a European Open Banking platform providing PSD2-compliant APIs, data aggregation, and payment initiation services to banks and TPPs — directly overlapping with GD Next's OpenBanking Compliance Suite and Gate2Bank offerings.

Broad incumbents

• Plaid: Plaid is a broad financial data connectivity and payments platform used by banks and fintechs globally; while it extends well beyond European PSD2, it competes for the same enterprise Open Banking and account-linking budget as GD Next.
• Finastra: Finastra is a large banking technology vendor offering core, digital, and Open Banking capabilities to financial institutions, providing broader incumbent competition to GD Next's PSD2-specific product suite.

Others

• adorsys: adorsys is a long-term strategic partner and customer of GD Next in Open Banking services; while partly customer, it is also a software/consulting peer delivering PSD2 and banking integration solutions across Europe.

Emerging players

• Belvo: Belvo is an Open Banking API platform focused on Latin America with expanding European ambitions; its product overlap (account aggregation, payments, sandbox) makes it an emerging comparable to GD Next's compliance/sandbox stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/GDNext-GmbH
• YouTubeyoutube.com/@polybpmn2416/featured
• LinkedInlinkedin.com/company/gdnext
• Facebookfacebook.com/goldendimen

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gd Next