New Zealand Open Banking Infrastructure

The infrastructure layer
built on top of
New Zealand's financial system.

Real-time bank data and payments infrastructure.

Regulatory Tailwind

Open Banking is coming to NZ.

PaymentsNZ's API Centre and the Consumer Data Right (CDR) framework are reshaping how financial data is accessed and shared in New Zealand.

#1
NZ has one of the highest per-capita business SaaS adoption rates globally
4
Major NZ banks now participating in the PaymentsNZ API Centre open banking pilot
CDR
Consumer Data Right framework advancing
↑
Alternative lending — BNPL, non-bank, digital mortgage — scaling fast and hungry for better data

Open Banking Timeline — NZ

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2019–2022
PaymentsNZ API Centre Established
PaymentsNZ launches the API Centre, defining the standards for open banking connectivity in New Zealand. Pilot participants begin early access integration.
✓
2023–2024
Account Information APIs Go Live
Major NZ banks publish account and transaction data APIs. The framework for consumer-consented data sharing moves from pilot to production.
→
2025–2026
CDR Regulation Advances
Consumer Data Right legislation progresses through Parliament, giving New Zealanders the legal right to direct their financial data to accredited third parties
◦
2027+
Full Open Finance Mandate
Full CDR coverage across banking, insurance, and energy.

About Us

Precision in motion.
Built for New Zealand.

Captis is building a modern, NZ-native financial infrastructure with the precision the country's financial system demands and the speed the people building on top of it need

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NZ-native from day one

Built specifically for New Zealand's banking infrastructure, regulatory environment, and PaymentsNZ API standards. Not a global product retrofitted to NZ.

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Precision over approximation

Bank-sourced data is not estimated or scraped — it is verified at origin. Every data point carries a provenance trail built for audit and compliance.

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We build what's missing

Not features. Not experiments. Products that address real gaps in how NZ businesses access data, make decisions, and serve their customers.

CAPTIS
NZ Banks
Developers
Online
Analytics
In-Store
People