How Nykredit launched subscription management in record time

In financial services, integration projects are notorious for their lengthy timelines. Connecting a new fintech solution to a bank’s systems typically requires months of planning, development, and testing, sometimes stretching into years.

Nykredit, one of Denmark’s largest financial institutions, challenged that assumption.

The challenge

Banks face a difficult trade-off: they want to offer innovative digital services to their customers, but traditional integration approaches are slow and resource-intensive. By the time a new feature launches, market conditions may have changed entirely.

This creates a barrier to innovation. Good ideas get stuck in integration backlogs, and customers wait longer for useful features.

The approach

Subaio developed an SDK-based integration methodology that fundamentally changes the timeline. Instead of treating integration as a single, sequential project, the approach divides work into parallel tracks:

Frontend integration, the customer-facing interface
Backend connection, core banking system integration
Data streams, transaction data flow and processing

These tracks operate independently, allowing early functionality demonstration while deeper integration work continues in parallel.

The results

When Nykredit became Subaio’s eighth bank partner, the integration demonstrated what’s possible with the right approach:

Hours, not months, the SDK-based solution was operational within hours of initial work
Eight integrations in six months, Subaio completed eight full bank integrations in under half a year
Immediate customer value, Nykredit customers gained access to subscription overview and financial insights quickly

“This enables our customers to get an overview of their subscriptions and better insight into daily finances.”

— Henrik Rasmussen, Managing Director, Nykredit

Why speed matters

Fast integration isn’t just about efficiency, it changes what’s possible.

“Speed and innovation go hand in hand. It allows us to work with the banks to create new features and products quickly.”

— Thomas Laursen, CEO, Subaio

When banks can launch new capabilities in weeks rather than years, they can:

Test and iterate, get real customer feedback quickly
Respond to market changes, adapt to new opportunities and competitive pressures
Build momentum, successful launches create appetite for more innovation

Proven across multiple banks

Nykredit joined a growing list of banks that have integrated Subaio’s solutions quickly:

ABN AMRO
Lunar
Sparebanken Vest
Nordea
And others across Europe

Each integration reinforced the methodology, making subsequent deployments even smoother.

Key takeaways

Integration speed is a choice, the right architecture and approach can compress timelines dramatically
Parallel workstreams accelerate delivery, separating frontend, backend, and data work removes sequential dependencies
SDK-first design enables rapid deployment, purpose-built tools for bank integration make the difference
Speed enables innovation, faster launches mean faster learning and iteration

Ready to see how quickly Subaio can integrate with your systems? Request a demo to start the conversation.