Miracle A/S
Borupvang 2C
2750 Ballerup
Tlf.: +45 4466 8855
CVR: 2567 8990


– OpenShift

PSD2 approved app solution for Bankdata

Based on the new liberalization requirement, Miracle established an API first architecture on modern private cloud.


In 2015, the EU passed a payment directive (PSD2), which should abolish banks’ monopoly on functions such as payment transactions, initiation of payments etc., together with a safer two factor authorization of online payments, greater transparency on fees and better protection of personal data had to be complied with. The intention from the EU was to stimulate free competition to benefit consumers, by offering tech companies in the financial sector access to services that were previously reserved for banks. To the banks, this liberalization requirement specifically meant that if a customer wanted to, they had to grant other companies access to the customer’s data.

With a deadline of implementing the directive no later than July 2018, the company Bankdata, which delivers full service IT-solutions to the financial sector, faced a great challenge. There was no doubt that the solutions for the banks should be based on new technologies. A private cloud-setup was established, consisting of OpenShift for container processing, Apigee as API-manager and Curity as security system, but no one in the department had experience with this. At the same time, the company’s products were “host heavy”. Approximately 90 % of all proprietary systems were Cobol-programs, and it was clear that they needed a more agile solution, in order to comply with the EU’s payment directive.

The choice of a partner, who partly understood this challenge and partly had special knowledge within this field, led Bankdata to Miracle. In collaboration, they were to accomplish the task. This with a goal rooted in continuing to ensure the best competitive conditions for the customers.


Setup and requirements were given, so Miracle focused on understanding Bankdata’s needs and prerequisites, and based on this put architecture and plan together with their system- and domain architect. Based on the need of simple integrations and support in cloud native development, Miracle established, in collaboration with architects and developers, a standard architecture which was based on micro services on a suitable framework, and led it through a pilot.

The priorities were high levels of standards and a clear architecture that would be easy to get acquainted with. During the process, it was clear that it would be possible to benefit from an early determination of APIs. Experiments with automations turned into an established API-first-strategy supported by tools for editing and code generation. Based on this architecture, documentation and education was created for the onboarding of teams. With involvement from the people at Bankdata, we ensured a high level of education and made the transfer of education easy. On the technical side, there were elements such as builds and deployment to Red Hat’s OpenShift container platform, configuration for production, authentication as well as the work with APIs. On the side of architecture, microservices were the way to ensure flexibility and scalability in the solution.

After an exciting phase of development, Bankdata and Miracle’s PSD2 solution went live within the EU deadline. Continued cooperation with Miracle helps encourage all elements of the new setup, so the requirements of the Danish Financial Supervisory Authority are met.

Boost of architecture

The existing architecture was adjusted to the operations on conventional application servers. With input from Bankdata’s architects regarding needs and prerequisites, an architecture was established in collaboration with Miracle aimed at fast API-first based development on a modern private cloud.

Scaled deployment

Based on standards supported by documentation and training, Bankdata could effectively involve new teams in the development on the new platform.

Full handover to the customer

With an introduction to OpenShift, a new platform for Bankdata, the close collaboration was essential. Training and access to knowledge and skills was consistent in a viable development process. The employees at Bankdata were part of the development all the way, and at the time of the handover, they were prepared to take the solution further themselves.


“Throughout the years, I have been collaborating with several consultancies, but it’s rare to experience that they have helped to make such a big difference as on this task. We have been collaborating with razor sharp consultants who were able to challenge both us and our board of directors – and this applies to both the technical, organizational and architectural level. It has been a pleasure working with such talented people.”

Lars Christensen, Department Head at Bankdata.

Bankdata is a full service provider of IT-solutions for the financial sector. With more than 700 employees and IT systems, daily used by more than 7,400 bank employees and 1.6 millions customers, Bankdata is one of the biggest financial IT-companies in Denmark.

Do you want to learn more? Then contact


Peter Melvig
phone 2177 4717
Der anvendes cookies for at løfte brugeroplevelsen
Got it