Open Banking PTBR

59 Open Banking APIs State of the Market Report 2020 ACKNOWLEDGEMENTS Koen Adolfs, S. Adeel Ali, Claire Barrett, Loubna Bazine, David Biesack, Adrita Bhor, Yves Bovin, Tom Carpenter, Don Cardinal, Weng Seng Cheong, Francis Darby, Bruno Diniz, Bill Doerrfeld, Adam DuVander, Scott Faust, Michel Hanouch, Timothy Harrington, Ameer Hassan, Adrian Hausser, James Higginbotham, James Hirst, Karen Holmes, Ekere Ikpeikpe, Kin Lane, Ronan LeBrusq, Michèle Lehaneff, Lars Markull, Marcus Martinez, Gergely Mate, Mehdi Medjaoui, Yohan Muchori, John Musser, Ivan Nokhrin, David O'Neill, Baptiste Parravicini, Maurizio Poletto, Jacques Pütz, Jieyi Rong, Abdy Salimin, Emilian Siemsia, Eyal Sivan, Nicolas Tisserand, Kristof van Tomme, Mariana Velasquez, Paulo Vieira, Aaryman Vir, Gertjan de Wilde, and Mark Winberry. METHODOLOGY Platformable applies a range of data collection and analysis techniques to create this Open Banking APIs State of the Market 2020 Report including: \ Quarterly reviews of all open banking platforms and categorisation of developer portals and bank API landing pages sorted by country, region, and product range using Platformable's API product taxonomy. \ Analysis of all open banking API documentation for tallies of use of OpenAPI specification, security technologies, use of standards and pricing pages. \ Regular interviews with banking and fintech leaders around the globe to discuss trends and business models. \ Review and analysis of open banking regulations around the globe and maintenance of an open banking timeline to monitor continuing developments. \ Analysis of all fintech accredited to use open banking APIs in Europe (EUCLID register), UK (FCA Register), Singapore, Hong Kong, Australia, New Zealand, Bahrain and Mexico. Categorisation of fintech using Platformable's fintech taxonomy. \ Analysis of participation in Open Banking Nigeria and Financial Data Exchange to assess fintech use of industry-led open banking standards in areas without an accreditation register, and categorisation of participants according to Platformable's fintech taxonomy. \ Regular review of news media and reports released on open banking and open finance API ecosystems.

• Cover
• About the Authors
• Foreword
• Executive Summary
• Global Open Banking Platforms and Products
• Region: EUROPE & SCANDINAVIA
• Region: UK
• Region: NORTH AMERICA (USA & CANADA)
• Region: LATIN AMERICA
• Region: ASIA PACIFIC
• Region: MIDDLE EAST & AFRICA
• Promising Practices from 20 Open Banking Leaders
• Fintech using open banking APIs can benefit everyone
• The Open Banking Fintech Ecosystem
• The viability of fintech
• Four models of fintech partnership
• Promising practices emerging from Fintech using Open Banking APIs
• The benefits of open banking for consumers
• Individual and household consumers
• Small and medium enterprises (SMEs)
• Enterprises
• Low income consumers, including small businesses, in higher income countries
• Is open banking helping the underserved?
• Open Banking Regulations in 2020
• Emerging Standards
• API Specifications
• API Standards
• Other common standards being used in API design
• Security as a first order concern
• Common technologies used in managing security of open banking APIs
• Building Resilience in an Age of Transformation
• Why open banking?
• Banks have avoided some emerging threats
• Meanwhile, 2020 has brought new threats to banks
• And some the key threats remain the same
• A shakeup is coming in the Age of Transformation
• Conclusion
• Acknowledgements
• Methodology
• References