# TietoEVRY

**Canonical:** https://apis.io/providers/tietoevry/  
**Website:** https://www.tietoevry.com/en/  
**APIs profiled:** 24

TietoEVRY (Tietoevry Corporation, listed as TIETO on Nasdaq Helsinki and Stockholm, rebranded to "Tieto" in 2026) is a Nordic software and technology company of roughly 14,000 people operating in 20+ countries, serving banking, healthcare, public sector and industry. Its public API surface is published by the banking business (Tieto Banktech / Tietoevry Banking) through the Tietoevry Banking API Hub at api.tietoevry.com, which fronts three developer portals: an Open Banking PSD2/XS2A platform built on the Berlin Group NextGenPSD2 framework with a free self-service sandbox, a Financial API Aggregation service offering one integration to Nordic and Baltic banks, and a Credit Cloud platform for loan origination and loan life-cycle management. 24 machine-readable Swagger 2.0 / OpenAPI 3.0 contracts covering 211 operations are published unauthenticated from the Open Banking and Aggregation portals, including account information, payment initiation, confirmation of funds, bulk and periodic payments, payment recall, request-to-pay, signing baskets, virtual account management, card account information and a SEPA Direct Debits gateway with a webhook event-notification surface.

## Kin Score — 52.1 / 100 (developing)

Scored 2026-09-02 under rubric 0.18.0.

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 59.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 50.0 |
| Developer Ergonomics | 66.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 45.6 (matched via tags).

## Agent readiness — 33.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | negotiable |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | documented |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (4)

- **Tietoevry Open Banking XS2A APIs** — PSD2-compliant Access to Account (XS2A) APIs implementing the Berlin Group NextGenPSD2 framework, plus Tietoevry premium extensions beyond the PSD2 mandate. Covers account infor...
- **Tietoevry Financial API Aggregation** — A single-integration aggregation layer over Nordic and Baltic banks, exposing provider discovery, end-user management and aggregated XS2A operations (accounts, balances, transac...
- **Tietoevry SEPA Direct Debits** — A SEPA Direct Debit gateway for Creditor and Debtor roles, allowing creditors to initiate payments, cancel (reverse) them and issue refunds, and debtors to reject payments and r...
- **Tietoevry Credit Cloud** — A credit platform used by banks and financial institutions in 20+ countries to manage virtually any type of credit, organised around loan origination, loan life cycle and collec...

## Security (2)

- **Tietoevry Authentication** — apiKey/openIdConnect/mutualTLS · 7 schemes
- **Tietoevry Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Tietoevry Plans Pricing**

## Tags

Company, Banking, Open Banking, PSD2, XS2A, Berlin Group, Payments, SEPA, Account Information, Financial Services, Aggregation, Credit, Fintech, Nordic, Finland

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/tietoevry/). Scores are computed from the provider's own public artifacts under a published rubric.