How APIs will transform banking in the US

How APIs will transform banking in the US

Consumers today expect a digital-first experience and anything less than on-demand is no longer acceptable. However, when considering the US, retail banking is not yet fully digital, and customers must still visit a branch to fill out paperwork when opening an account.

Banks still struggle to provide digital experiences to their customers, services that are minimal and mostly based around simple transactional capabilities. The main culprit for this is the legacy core systems that most institutions are saddled with. Many are decades old, and nearly all were not built to be flexible enough to meet the demands of the modern digital world.

This report explores how APIs and the cloud can enable the next generation of banking and ensure that FIs can quickly and efficiently roll out new digital products and services without expensive and lengthy tech integrations, or having to entirely replace old systems.


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