金融服务业的 API 经济和数字化转型：开放式银行服务的例子

124 浏览量更新于2023-12-05 收藏 625KB PDF 举报

本文讨论了金融服务业在数字化转型和API经济方面的发展趋势和案例。首先，文章提到了开放银行服务的例子，分析了金融服务业在数字化转型过程中的相关挑战和机遇。作者强调了数字化转型对金融服务业的重要性，以及API经济在此过程中的作用。同时，文章还引用了SWIFT INSTITUTE的一份工作论文，进一步探讨了数字化转型和API经济在金融服务业中的影响。通过对现有研究报告的分析，我们可以看到金融服务业在数字化转型和API经济方面的发展趋势。随着科技的迅速发展，金融服务业正在不断探索如何利用API经济来推动数字化转型。开放银行服务的例子表明，金融机构正在积极寻求采用开放式的平台和技术，与合作伙伴共享数据和服务，以提供更灵活、高效和个性化的金融服务。然而，数字化转型和API经济也带来了一些挑战。首先，金融机构需要重视数据安全和隐私保护的问题，以确保客户的信息不被泄露或滥用。其次，金融机构需要面对技术整合和系统更新的挑战，以确保不同系统之间可以无缝地交互和集成。此外，金融机构还需要克服传统业务模式和文化的惯性，以适应数字化转型和API经济带来的变革。为了更好地实现数字化转型和发挥API经济的潜力，金融机构需要积极应对这些挑战。首先，金融机构需要加强与科技公司和创新企业的合作，以共同推动数字化转型和开放银行服务的发展。其次，金融机构需要加大对技术人才的培养和引进，以应对技术整合和系统更新的挑战。另外，金融机构还需要加强对数据安全和隐私保护的投入，以提升客户的信任和满意度。总的来说，金融服务业在数字化转型和API经济方面正面临着重大的变革和机遇。通过对开放银行服务的例子和SWIFT INSTITUTE的工作论文的分析，我们可以看到金融机构正在积极应对数字化转型和API经济带来的挑战，以实现更高效、个性化和可持续的金融服务。在未来，随着科技的不断创新和金融环境的变化，数字化转型和API经济将继续成为金融服务业发展的重要趋势和引擎。

integration with company partners and allow third parties to consume organisational

data and lead to cross-selling and upselling opportunities down the line.

The distinction between internal and external APIs introduced above helps us to

better understand the benefits of API technology in terms of systems integration and

data sharing within and across firms. Scholars suggest that at the heart of systems

integration are the principles of interoperability and modularity (Bodle, 2011). In their

work “Design Rules”, Baldwin and Clark (2000) discuss how modular designs can be

superior to interdependent designs because they provide more flexibility and

alternative options. Drawing from examples from the PC manufacturing sector

between the 1950s and 1990s, they assert that modular architecture in computers

led the industry to evolve from a concentrated structure to a highly dispersed sector.

In order to govern the system architecture and achieve compatibility amongst the

various modules that were produced independently, design rules were introduced by

platform leaders such as Intel Corp., and followed by all designers and

manufacturers alike to ensure that hardware components worked together.

Software systems can be interoperable with the use of standardized data protocols

and transparent interfaces in the same way (Cowhey et al., 2009). In this

perspective, APIs can “enable interfaces, services, and applications to connect

seamlessly with one another, making digital content accessible” between a wide

range of independent applications (Bodle, 2011, p.325). API technology provides a

customary interface (based on a set of agreed-upon standards) and a layer of

abstraction that reduces complexity and allows API-consuming systems to “plug-

and-play” without the need to know the specifics of the API-provider’s systems. In

return, APIs can be consumed like a service and can be “agnostic” to the consuming

devices or applications that connect to it. Such interoperability between modular

systems can lower technology costs and accelerate innovation as the heterogeneous

ICT building blocks can evolve independently and according to demand, available

resources, and technological progress (Baldwin and Clark, 2000).

While the benefits of interoperability and ‘non-discriminatory standardisation’ among

heterogeneous technical systems using APIs can be obvious, there is still the

question of how open such systems should be. A meaningful way to explore this is to

consider private versus public or open APIs. Private APIs can either be internal APIs,

offered to facilitate within-firm integration and operational efficiency across an

organisation or external APIs that are highly customised and designed specifically for

partners who want to interface directly with their suppliers or customers. Private APIs

are exclusive to staff and third-parties with contractual agreements and usually

unnoticeable otherwise. These private APIs are already commonly used by banks

and provide incredible value to organisations.

On the other hand, public or open APIs are accessible by almost anyone and

available to use with “little or no contractual arrangement” – beyond agreeing to the

terms and conditions put forward by the API provider (Jacobson et al., 2012). This

allows organisations that provide open APIs to create digital economies or business

platforms, through which, communities of innovators can develop API-consuming

applications and pay a fee for using the API. This kind of monetisation of APIs is an

essential part of the API-economy. However, as we will see later, the implications of

关注微信公众号“金科知识局”，获取更多金融科技行业研究报告！关注微信公众号“金科知识局”，获取更多金融科技行业研究报告！

剩余27页未读，继续阅读

woisking2

粉丝: 12
资源: 6718

金融服务业的 API 经济和数字化转型：开放式银行服务的例子

金融服务业的 API 经济和数字化转型：开放式银行服务的例子-SWIFT INSTITUTE-201706.pdf

金融行业-数字化转型案例.pdf

金融行业——数字化转型案例-226页.pdf

“银行数字化转型”filetype:pdf

银行计划财务部为什么要数字化转型

制造业如何实现数字化转型

制造业怎么做数字化转型

gb/t 23011-2022 《信息化和工业化融合 数字化转型 价 值效益参考 豆丁

河南省制造业数字化转型之后与之前数据对比

航空制造业数字化转型升级思考

最新资源

gb/t 23011-2022 《信息化和工业化融合数字化转型价值效益参考豆丁