We empower the world's most innovative digital financial services

PaymentComponents is a global B2B solution provider for the Open Banking age. We provide open and light software components in payments, financial messaging and open banking that can transform your business. Our solutions are the necessary ingredients for more than 60 Banks and Financial Institutions spread across 25+ countries, to help them innovate and become digital champions.

Our history

Payment Components is a spin-off of Datamation, a 25 years old highly specialized consulting company for the financial industry. Datamation was formed by Sotirios Nossis, after studying at NYU and working at IBM.

In 2014, Sotirios responded to the pressing need of the financial industry for simple and agile payment solutions. He formed Payment Components to provide easy-to-deploy-and-run software components to help financial institutions become fintech champions.


Built the third financial component. UNUapi, showed that account aggregation was possible. Long before PSD2 and open banking

Payment Components is founded with offices in London; at the heart of the fintech ecosystem

Financial message libraries are launched and sold online as downloaded components. Payment Components becomes SWIFT member

The payment HUB application (aplonHUB) is introduced for banks to exchange financial messages in the simplest possible way

The development team grows and a new entity and development hub is established in Athens, Greece

Open Banking platform (aplonAPI) is launched specifically for financial institutions to compete in the open banking age

The account aggregation SDK (UNUapi) is published to enhance the PSD2 offerings and open up to the fintech community

Reaches the remarkable achievement of 60+ clients in 25+ countries

Launches FINaplo. The All-in-one Portal for the development community of Financial Messages worldwide.
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If it’s not simple, it's wrong

Sotiris Nossis

CEO, PaymentComponents
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Member of Innovate Finance - an independent not for profit organization serving the global FinTech community.
Contact us
+30 210 6145050
Payment Components