Token.io co-leads new ETPPA chapter to champion Pay by Bank and Open Banking in Germany

By Kelly Shave | 27 April 2026

Source: Token.io

Token.io, the leading Pay by Bank infrastructure provider, has been elected to serve a co-leadership role in the ETPPA Germany: a newly formed national chapter of the European Third-Party Providers Association (ETPPA) dedicated to advancing Open Banking and Open Finance across the German market. Token.io’s Gideon Fourie was elected as co-lead alongside Caroline Jenke of Tink. The association will bring together third-party providers (TPPs) operating in the country under a unified, authoritative voice.

Gideon Fourie, Token GmbH managing director

“Germany is a market where the foundations for Open Banking are strong, but where coordinated industry leadership is essential to realise its full potential,” said Gideon Fourie, managing director of Token GmbH.

“By co-leading ETPPA Germany, Token.io is taking an active role in shaping the future of Pay by Bank and Open Banking in Germany — working collaboratively with banks, regulators and the wider payments ecosystem to ensure the delivery of real value for businesses and consumers across the country.”

Germany is one of Europe’s most significant Open Banking markets, home to major financial institutions and a growing ecosystem of innovative TPPs. ETPPA Germany will engage directly with BaFin, the Bundesbank, the Bundeskartellamt and the German finance ministry to shape the conditions under which Open Banking and Open Finance can become commercially viable, user-friendly and innovative for consumers and businesses alike.

Under Token.io’s co-leadership, ETPPA Germany will focus on three priorities:

Promoting high-quality, standardised APIs aligned with European frameworks.
Supporting the adoption of account-to-account (A2A) payments (more commonly known as ‘Pay by Bank’).
Building consumer awareness and trust through coordinated outreach.

Token.io is the Headline Partner of Open Banking Expo UK & Europe 2026, which takes place on 13-14 October at the Business Design Centre in London. Click here to find out more .

Further reading: Token.io launches ‘Account on File’ feature to increase Pay by Bank checkout conversion

Posted in News and tagged A2A, A2A payments, account to account payments, API, APIs, BaFin, Banks, Bundesbank, Bundeskartellamt, businesses, Caroline Jenke, consumer awareness, consumer trust, Consumers, Digital banking, embedded finance, ETPPA, ETPPA Germany, Europe, European Third-Party Providers Association, finance ministry, financial data, financial frameworks, Financial inclusion, financial infrastructure, financial institutions, financial product, financial services, FinTech, Germany, Gideon Fourie, industry leadership, Innovation, merchants, Open Banking, Open Banking Payments, Open Finance, partnership, Pay by Bank, Pay by Bank infrastructure, payment modernization, Payments, real time payments, regulators, SMBs, SME's, Technology, third-party providers, Tink, Token GmbH, Token.io, TPPs, transactions