We empower the world's most innovative digital financial services

PaymentComponents is a B2B solution provider for the Open Banking age. We build open and light software components that can transform your business.

That is why we gathered the best designers, domain experts, and stellar engineers to help Banks and Financial technology companies become digital champions.

Our Open Banking Components are the necessary ingredients for Financial Institutions to innovate and thrive in the digital space. Like pomegranate, secure and protected on the outside, yet ingeniously connected and rich in offerings in the inside.

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If it’s not simple, it's wrong

Sotiris Nossis

CEO, PaymentComponents


After studying in NYU and working at IBM, Sotiris Nossis formed Datamation. A “mission impossible” tech company

During the first years, the company implemented very focused “technology missions” for software industry giants

It then changed its focus to building applications for the financial industry only

Built the first financial component – The SWIFT messages validation libraries

The Paymentcomponents brand was formed, and the company componentised its products and itself

Built the second financial component. aplonHUB, the simplified way for financial institutions to exchange messages with each other

Created a spin-off taxi-hailing app, that was nominated at the World Mobile Congress. Exited the company three years later

Built the third financial component. aplonBFM, showed how financial aggregation should be done. Long before PSD2 and open banking

Paymentcomponents opens an office in London. At the heart of the fintech ecosystem

Built the fourth financial component. aplonAPI, helps financial institutions to compete in open banking

Introduced the “thinking APIs”. The redesigned aplonBFM framework to leverage the open banking initiatives


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Member of Innovate Finance - an independent not for profit organization serving the global FinTech community.
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PaymentComponents is a member of Level39 - Europe’s most vibrant FinTech accelerator.
Contact us
+44 2071 172 538