Issue link: https://recursos.axway.com/i/1321495
37 Open Banking APIs State of the Market Report 2020 ENTERPRISES Larger enterprises account for only 4% of all fintech products built using open APIs. This may in part be because enterprises use the bank's APIs directly to integrate into their Enterprise Resource Planning (ERP) and other software systems, or use open bank APIs to build their own internal solutions, rather than off-the-shelf enterprise products built using open banking APIs. Several banks do indicate that the bulk of their open banking API consumers are enterprises who integrate their customer account information directly into their workflows and internal processes, for example.