State of Banking APIs

How banks are looking to APIs to drive innovation, customer relationships, and new business models

Benchmark report

2016 Edition

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Understand the growing maturity, and challenges, of API adoption in banking

Get a snapshot of how API awareness, adoption, and strategy have evolved across the banking sector. With the regulatory pressure of PSD2 and open banking on the horizon, this report captures the industry's shifting priorities—from innovation drivers to compliance necessities—and what’s still holding banks back.

What you'll learn

  • How API adoption has grown among banks and financial institutions over the past year
  • The impact of regulations like PSD2 and the UK’s open banking initiative
  • Shifting priorities: from customer access to compliance readiness
  • Why internal bank culture remains the biggest barrier to API implementation
  • What other industries can teach banking about APIs and innovation

Why it matters

  • New regulations are looming—compliance is no longer optional
  • Banks must move beyond device access and toward true interoperability
  • APIs aren’t just technical tools—they’re strategic levers for growth
  • Culture and silos are stalling progress more than technology
  • The UK and EU’s moves are setting a precedent others are watching

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PDF

2016

English

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