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API 플랫폼의 대두 : 오픈뱅킹 & 지불에 의한 새로운 비즈니스 모델 추진

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

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 12월 상품 코드 920641
페이지 정보 영문 20 Pages
가격
US $ 2,950 ₩ 3,264,000 PDF (Single User License)


API 플랫폼의 대두 : 오픈뱅킹 & 지불에 의한 새로운 비즈니스 모델 추진 The Emergence of API Platforms: Open Banking and Payments Drive New Business Models
발행일 : 2019년 12월 페이지 정보 : 영문 20 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

EU의 결제 서비스 지령(PSD2 : Payment Services Directive 2)에 의한 오픈뱅킹 의무화에 대해 조사하고, 클라우드 API 플랫폼 시장 성장에도 불구하고 규제 준수가 진행되지 않는 기술적 요인과 법규상 요인 분석, 미국과 EU의 오픈뱅킹 & 지불 혁신 전망 등을 정리했습니다.

1. 조사 내용 하이라이트

  • 6개 항목의 API 도입 전략 특정 : PaaS(platform-as-a-service) 비즈니스 모델 등
  • EU 오픈뱅킹 사업 보급 지연과 그 원인
  • 미국 주요 은행에서 이용 가능한 API/PSD2에서 의무화된 API
  • Visa, Mastercard의 새로운 클라우드 플랫폼 제품 및 서비스 검증
  • PaaS 솔루션 도입에 필요한 기능과 강화해야 하는 PSD2 사업 영역
  • EU의 API 주도 오픈뱅킹 & 지불 혁신 : 예측적 타임라인
  • 미국의 API 주도 오픈뱅킹 & 지불 혁신 : 예측적 타임라인

2. 게재 기업 및 조직

  • Bank of America
  • The Berlin Group
  • Citibank
  • Citizens Bank
  • European Banking Authority
  • Fidor
  • Financial Conduct Authority
  • Mastercard
  • Railsbank
  • solarisBank
  • Visa
  • Vyze
  • Wells Fargo
LSH 20.01.22

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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