Productising APIs: A journey in how we built API products in SEA
summary
Brankas builds both the bank-facing open API layer and a demand-side aggregation that exposes a single funds transfer endpoint which lets a client select banks, trigger transfers, handle each bank’s TFA and poll transfer status; banks sit in three readiness levels (about 1% fully advanced), operations run in Indonesia, Philippines and Thailand with Philippines and Indonesia largest. A custom IDP manages consent and security, a simple sandbox supports developers, and a lightweight Pay invoicing product for micro-merchants injects destination account details so transfers work without sharing bank info; onboarding still typically takes weeks to months.
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chapters (12)
- 0:00Intro
- 0:45Introduction
- 1:34Open Banking in SEA
- 3:18Philippines Open Banking Standards
- 4:08Thailand Banking Standards
- 4:57Our Business
- 6:24Supply Side
- 7:30Levels of readiness
- 10:04Preparing for demand
- 11:09Customer facing APIs
- 15:46Pay
- 18:11Conclusion
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