State of Banking APIs

The strategic crossroads for banks in the open platform era

Benchmark report

2017 Edition

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Rethinking the role of banks

This report breaks down the four strategic roles banks can play in the platform economy, why most are stuck in limbo, and what it will take to shift from legacy models to a thriving open banking ecosystem.

What you'll learn

  • The four strategic models banks can adopt in the open banking era—and where most are heading by default
  • Why regulation alone isn’t creating a dynamic global open banking market
  • How banks can move from infrastructure to platform through API governance, collaboration, and product streamlining
  • Which 33 banks are leading the way—and what others can learn from them

Why it matters

  • The platform race is on and banks must choose their strategic role, or risk having it chosen for them
  • Moving beyond infrastructure can unlock stronger returns and market relevance
  • Without a cross-functional API strategy, innovation stalls before it starts
  • Open banking success depends on enabling third-party innovation, not blocking it

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PDF

2017

English

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