Aboard the Beagle: New species in the banking ecosystems
summary
Banks face a hotter digital environment driven by API adoption and tech giants launching payments, wallets and finance services (Facebook’s Libra effort, Apple with Mastercard, Google investing in Oscar and buying Fitbit). Some banks report 40% of revenue coming through APIs, and an Indonesian bank credits 72% of new accounts and 68% growth to API-led journeys. Practical stacks combine PFM, Mailchimp, ServiceNow, mortgage APIs and third‑party services like Zero to trigger leads and automate product moments under PSD2 compliance.
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