Open Banking PTBR

8 Open Banking APIs State of the Market Report 2020 REGION: EUROPE & SCANDINAVIA SWEDEN 6 24 FINLAND 2 10 ESTONIA 1 3 HUNGARY 6 25 SLOVENIA 2 5 ROMANIA 5 19 BULGARIA 10 42 GREECE 6 64 CYPRUS 2 21 ITALY 7 41 LITHUANIA 4 25 SLOVAKIA 7 24 POLAND 9 33 NORWAY 56 171 DENMARK 15 48 GERMANY 15 78 AUSTRIA 6 18 CROATIA 4 17 SPAIN 9 30 MALTA 1 6 NETHERLANDS 13 85 LUXEMBOURG 20 32 CZECH REPUBLIC 17 68 SWITZERLAND 1 1 BELGIUM 18 72 FRANCE 20 87 262 OPEN BANKING PLATFORMS 1048 OPEN BANKING API PRODUCTS 368 % ANNUAL GROWTH RATE EUROPE & SCANDINAVIA OPEN BANKING API PLATFORMS AND THEIR API PRODUCTS, Q3 2020 (N=262 PLATFORMS) Platforms Products

• 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