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Smartcraft powers over 14,100 construction and trade businesses across the Nordics. When bank-by-bank integration stopped scaling, they chose Aritma to bring reliable, automated payment connectivity to Cordel.
It's a no-brainer to go with a provider that offers an all-in-one solution. You don't need to handle things bank by bank. We tried that, and it is a tedious process.
SmartCraft is a fast-growing Nordic tech company powering over 14,100 construction and trade businesses with digital tools for projects, payroll, billing, and time tracking. Cordel is one of their specialist solutions for contractors, covering everything from offers and calculations to order management, invoicing, and payments.
Building bank integrations one by one proved too complex, too limited, and impossible to scale across the Nordics.
Aritma replaced all separate bank connections with a single API, giving Cordel full Nordic bank coverage and quick onboarding.
Cordel customers get richer payment data, developers work with one API instead of many, and the system is more stable.
Payments are a natural part of the Cordel experience. As an all-in-one solution for contractors, Cordel covers everything from offers and calculations to invoicing, and its customers expect payments to work seamlessly across whichever bank they use.
The problem: every bank integration was a separate project. There was no open documentation, no standardised technical spec. Smartcraft had to track down specific contacts at each bank and negotiate a connection with each one.
– We would need to reach out to a specific person to find out how to connect to your bank, says Tommy Kroken, Product Manager at Smartcraft. – At some point you figure out: none of the banks are the same. This is not a scalable approach.
With Cordel present across Norway, Sweden, the UK, and Finland, the problem was only going to grow.
Contact our sales team here and start your journey towards seamless banking integration.
Smartcraft evaluated multiple open banking providers before choosing Aritma. What set Aritma apart was a combination of agility, customer focus, Nordic bank coverage, and a shared growth mindset.
– There was something about Aritma that caught our eye. You're really agile, really customer-oriented, which is really important for us. And you have support for all the banks that Cordel needs, Kroken explains. – It aligns very well with how Aritma is positioned. We want to grow, and that's something you want to do as well. So it's a really nice fit for us.
With Aritma's API Platform embedded in Cordel, all bank communication now flows through a single integration point. Smartcraft gets full support for all Nordic banks in one API, quick onboarding and implementation, and a proven partner with over 30 years of experience supporting growth. One connection replaced the full stack of individual bank agreements, without the complexity of maintaining each separately.
- Our customers are getting much more information regarding all of their payments. Stability-wise, it's more stable than it was previously. And on the technical side, it's much easier to handle, Kroken says.
– We have happier developers now that they have one API instead of multiple banks and multiple people to communicate with.
For any software company still weighing whether to build bank connectivity in-house, Kroken is direct: – It's kind of a no-brainer to go with a provider that can give you an all-in-one solution. You don't need to handle things bank by bank. We tried that and it is a tedious process.
The results have been felt across the organisation. Cordel customers now receive significantly more information about their payments. Stability has improved compared to what came before. And for the team responsible for payments, day-to-day handling and implementation are much easier.
Developers in particular have noticed the difference. Instead of maintaining separate connections to multiple banks and communicating with contacts at each one, they have a single API to work with.
You can contact us here to see how we can help.
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Aritma AS is a licenced PSD2 provider through the Norwegian Financial Authority (Account Information Service Providers).