Open Banking PTBR

Account creation Transaction processing revenue Revenue for new business partnerships VALUE BANKS Access to new account creation opportunities Product & service choice Cashflow optimization CONSUMERS AND UNDERSERVED VALUE Market entry Revenue from viable business model FINTECH VALUE OPEN BANKING IN AN AGE OF TRANSFORMATION Open Banking APIs State of the Market Report 2020 First edition, Q3 2020 SPONSORED BY AXWAY

• 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