60 Open Banking APIs State of the Market Report 2020
REFERENCES
1. Private interview with a platform manager at a leading European bank
2. Drawn from information available at https://www.starlingbank.com/business-account/marketplace-for-
businesses/; https://www.slideshare.net/AfshanDadan/starling-bank-deep-dive
3. Drawn from materials including https://tearsheet.co/banking-as-a-service/goldman-sachs-is-entering-into-the-
banking-as-a-service-market/; https://www.linkedin.com/pulse/embedded-finance-game-changing-opportunity-
incumbents-simon-torrance/; https://www.goldmansachs.com/investor-relations/investor-day-2020/
presentations/consolidated-presentations.pdf
4. https://thepaypers.com/thought-leader-insights/the-impact-of-open-banking-in-brazil
5. Private interview with Asia Pacific bank API architect
6. Reynolds, F. & Chidley, M. Consumer Priorities for Open Banking. June 2019. https://www.openbanking.org.uk/
wp-content/uploads/Consumer-Priorities-for-Open-Banking-report-June-2019.pdf
7. https://finhealthnetwork.org/score/score-methodology/
8. https://ec.europa.eu/eurostat/web/products-eurostat-news/-/DDN-20200505-1
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quickbooks.intuit.com/r/financial-management/5-financial-kpis-gauge-business-health/
10. Reynolds, F. & Chidley, M. Consumer Priorities for Open Banking. June 2019. https://www.openbanking.org.uk/
wp-content/uploads/Consumer-Priorities-for-Open-Banking-report-June-2019.pdf
11. Scott, C. "Eight financial KPIs to help measure your business's performance". August 14, 2019. https://
quickbooks.intuit.com/r/financial-management/5-financial-kpis-gauge-business-health/
12. https://www.cgap.org/topics/collections/open-apis
13. https://www.thejakartapost.com/amp/news/2020/09/24/fintechs-role-in-financial-inclusion-rises-but-
infrastructure-literacy-challenges-loom.html
14. https://www.accenture.com/_acnmedia/accenture/conversion-assets/dotcom/documents/global/pdf/
dualpub_22/accenture-billion-reasons-bank-inclusively.pdf
15. Torrance, S. "Embedded Finance: a game-changing opportunity for incumbents". Published on LinkedIn on 5
August 2020. https://www.linkedin.com/pulse/embedded-finance-game-changing-opportunity-incumbents-
simon-torrance/
16. Woodford, I. "Digital bank signups dive in lockdown". Published On Sifted on 27 April 2020. https://sifted.eu/
articles/digital-banks-growth-corona/
17. Woodford, I. "Starling, Revolut and Monzo's annual results compared". Published on Sifted on 17 August 2020.
https://sifted.eu/articles/a-comparison-of-uk-top-three-digital-banks/
18. https://www.a78.be/news/first-round-of-meetings-completed
19. https://eba.europa.eu/sites/default/documents/files/document_library/Publications/Opinions/2020/884569/
EBA%20Opinion%20on%20obstacles%20under%20Art.%2032%283%29%20RTS%20on%20SCA%26CSC.pdf
