AHOI offers a number of different application possibilities – from a simple connection to the API for existing processes to the development of completely new solutions.

Optimization of internal financial processes

As a company, you can use AHOI to retrieve your own transaction data in order to, for example, process it in the accounting department. This allows you to track incoming payments, automate booking processes and make cash management more efficient.

Service refinement

As a fintech, you can retrieve your customers' transaction data in order to, for example, create financial flow analyses and derive savings or investment potential from it.

Implementation of new financial products & services

AHOI can be the foundation for your finance-related product idea. For instance, you can create custom banking-related solutions that retrieve financial data to begin a self-service consultation process.

use case

The Sparkassen Innovation Hub tests API management via AHOI

For several years now, Kreissparkasse Köln has been running its “Wir für die Region” (“We for the Region”) campaign. One focus is on the many association clients in the Cologne metropolitan area​ who receive targeted sponsorship and support. Under the project name “Zahlen ist einfach” (“Paying is simple”), one application idea is now being jointly developed in the Sparkassen Innovation Hub (S-Hub) whereby the organizations can collect financial support on their websites. The aim is to support charitable organizations in particular and help them build a closer relationship with the Sparkasse.

use case

Aboalarm &

With our partner aboalarm and its service finlytics, we’ve already integrated an API into our API platform whose features we offer in this case indirectly via our API. We’re always open to integrating even more value-added services that are also of interest to our customers. The same goes for ideas that emerge from common solutions and can augment AHOI.

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use case

Infront and CAPITAL recognize S-Hub

The third CAPITAL study on the best digilabs in Germany has awarded the Sparkassen Innovation Hub second place in its ranking of the best digital innovation units. This year, the strategy consultants Infront Consulting and the magazine CAPITAL placed the primary focus of the study on the results that the German companies achieve with their innovation units. Given that the S-Hub received the award last year, this makes for back-to-back wins.

All the details on the study and the award


We support you in integrating our API and other features. Together we can develop new products – within the Sparkassen-Finanzgruppe or outside of it.

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AHOI - a product of the Sparkassen Innovation Hub