Value Networks in Open Banking
summary
Presents a practical technique that maps relationships and currency flows using Clayton Christensen’s value network idea plus the Value Engineers’ value exchange mapping and Osterwalder’s canvas to deconstruct and reassemble Open Banking business models. Identifies patterns—manufacturer-supplier pattern, aggregator business model, retailer model—with concrete examples: Twilio, Plaid (acquired for $5.3B), TransferWise, Starling marketplace, Yolt, Intellimortgage. Argues that defining business model and ecosystem predicts who wins, and offers a MuleSoft API as a product workshop to apply it.
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chapters (22)
- 0:00Intro
- 1:38Api Ecosystem
- 3:38Open Banking
- 5:13Business Models
- 6:31Api Business Models
- 7:36Monetization First
- 8:34Business Model Canvas
- 9:11Value Networks
- 10:31Value Exchange
- 11:04Value Engineers
- 11:37Value Exchange Example
- 13:24Digital Enablers
- 14:38Manufacturer Supplier Pattern
- 16:14Third Party Providers
- 17:18Manufacturer Suppliers
- 17:42Api Retailers
- 19:25Aggregators
- 20:12Transferwise
- 20:56Intelli Mortgage
- 22:46Resources
- 22:56Workshops
- 23:19Question
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