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
|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||
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。
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.