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What we do to make Emma the safest product.
What is TrueLayer?
In order to connect to bank accounts, Emma uses a trusted third party provider called TrueLayer. This is a company based in London, which works with leading banks to provide APIs to facilitate the retrieval of data, such as your balances and transactions. We have chosen to work with TrueLayer, because we believe it's the safest and most secure infrastructure. If you want to know more about them, just visit their site and check how they handle security(https://truelay
What if Emma App gets hacked?
Your credentials Emma doesn't store your banking credentials. This means that your account can not be breached at any point in time, even if our servers get compromised. At this time, for the majority of our connections to banks, we use a trusted service provider called TrueLayer. For further information about their security level, you can visit their website. World class security In order to protect your other personal info, like your phone number
Does Emma App breach my bank's terms and conditions?
Emma is registered with the Financial Conduct Authority as a Registered Account Information Service Provider (RAISP) under the Payment Service Regulations 2017. This means we have legal right to access and display banking information and we don't violate, in any way, your bank's terms and conditions. In other words, your bank is still liable. If you want to know more about the regulations, visit the FCA website(https://www.fca.org.uk/consumers/account-information-and-payment-initiation-ser
How safe is Emma App?
Security is at the core of our activities. Bank Grade Encryption Emma uses several state-of-the-art security measures, including the same end-to-end 256-bit TLS encryption used by all major banks. FCA Approved Emma is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment service and adhere to European data protection laws. Read Only Access We only have access to your data in read-only mode. Nobody can touch you
Does Emma App use Open Banking?
At this point in time, Emma is either using TrueLayer or Saltedge to help you in securely connecting to your bank account. We also use some APIs that have been directly provided to us from banks. Although we are registered with Open Banking and are in their directory: https://www.openbanking.org.uk/customers/regulated-providers/emma-technologies/, we haven't currently adopted it. We think this is a great initi
What is Facebook Account Kit?
In order to verify your phone number, we use a service called Facebook Account Kit. Do you share data with Facebook? No, we don't share any data with Facebook. Why not using another service like Twilio? We really liked how easy and straightforward Facebook was to integrate. :) Do you have any plans to use another service? Yes, we have already integrated Twilio and looking to release it soon.
What is Saltedge?
In order to connect to bank accounts, Emma uses a trusted third party provider called Saltedge. This is a company based in London, which works with leading banks to provide APIs to facilitate the retrieval of data, such as your balances and transactions. We have chosen to work with Saltedge, because we believe it's the safest and most secure infrastructure.