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市場調查報告書

API平台的崛起:開放式銀行&付款推動新的經營模式

The Emergence of API Platforms: Open Banking and Payments Drive New Business Models

出版商 Mercator Advisory Group, Inc. 商品編碼 920641
出版日期 內容資訊 英文 20 Pages
商品交期: 最快1-2個工作天內
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API平台的崛起:開放式銀行&付款推動新的經營模式 The Emergence of API Platforms: Open Banking and Payments Drive New Business Models
出版日期: 2019年12月31日內容資訊: 英文 20 Pages
簡介

本報告提供EU的付款服務指令(PSD2:Payment Services Directive於2) 的開放式銀行的義務化的相關調查,僅管雲端API平台的市場成長,阻礙該指令依據的技術性要素、法律規章上的要素分析,美國及EU的開放式銀行&付款革新的展望等彙整資料。

調查內容的亮點

  • 6項API引進策略的確認:PaaS (platform-as-a-service) 經營模式等
  • EU開放式銀行舉措普及延遲與其原因
  • 美國主要銀行的可利用的API、PSD2的義務化的API
  • Visa、Mastercard的新雲端平台產品、服務的檢驗
  • PaaS解決方案的引進所必要的功能、強化所必要的PSD2舉措的領域
  • EU的API主導的開放式銀行&付款革新:預測的時間軸
  • 美國的API主導的開放式銀行&付款革新:預測的時間軸

刊載企業、組織

  • Bank of America
  • The Berlin Group
  • Citibank
  • Citizens Bank
  • European Banking Authority
  • Fidor
  • Financial Conduct Authority
  • Mastercard
  • Railsbank
  • solarisBank
  • Visa
  • Vyze
  • Wells Fargo
目錄

Report contrasts slow adoption of open banking with surge in API platforms operating in the cloud.

A new research report from Mercator Advisory Group identifies issues delaying E.U. open banking and contrasts it to the surge in API cloud-based solutions.

Mercator Advisory Group has released a report describing the technical and regulatory challenges delaying the implementation of the European Union's PSD2 Open Banking mandate and contrasts that with the rapid growth in new application programming interface (API) driven platforms that operate in the cloud. There has been a surge in platform-as-a-service (PaaS) solutions utilizing APIs.

The report, ‘The Emergence of API Platforms: Open Banking Drives New Business Models ’, identifies the technical and regulatory issues that continue to be challenges to lift-off for the European Union's open banking vision and contrasts that situation with the structures that have driven a surge in the availability of cloud platforms that utilize APIs to enable similar services, such as payments.

“In a past report we identified the game-changing value proposition associated with internet-based application programming interfaces. This report identifies why the implementation of APIs has failed to help the EU Open Banking initiative gain liftoff even as these APIs have created a surge in the number of cloud-based platforms recently announced,” commented the author of the report, Tim Sloane, VP, Payments Innovation, and Director, Emerging Technologies Advisory Service at Mercator Advisory Group.

This research report has 20 pages and 10 exhibits.

Companies and other organizations mentioned in this report include: Bank of America, The Berlin Group, Citibank, Citizens Bank, European Banking Authority, Fidor, Financial Conduct Authority, Mastercard, Railsbank, solarisBank, Visa, Vyze, and Wells Fargo.

One of the exhibits included in this report:

Highlights of the research report:

  • Identifies six API deployment strategies, including recent platform-as-a-service (PaaS) business models.
  • Identifies the issues that have delayed, and will continue to delay, broad adoption of the EU Open Banking initiative.
  • Identifies APIs currently available from major U.S. banks as a contrast to the APIs mandated under PSD2.
  • Discusses the new cloud-based platform products and services released by Visa and Mastercard that support and challenge the E.U. initiatives.
  • Indicates the capabilities needed to deploy a platform-as-a-service solution, which also suggests areas of the PSD2 initiative that need to be strengthened.
  • Provides a predictive timeline for API-driven open banking and payments innovation within the European Union.
  • Provides a predictive timeline for API-driven open banking and payments innovation within the U.S. market
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