La Revue des Sciences Commerciales
Volume 18, Numéro 2, Pages 31-43
2019-12-28

Api “application Programming Interface” Banking: A Promising Future For Financial Institutions (international Experience)



Authors : Benmoussa Mohammed .

Abstract

The Banks can no longer ignore the necessary digital transformation, If they also want to be economically successful in the future, they need to update their systems and processes as quickly as possible. The API concept originated in the 1980s in the software development community. Open banking through an application programming interface (API) is an integral part of the future of banking. Some in the industry will appreciate this fact. An application programming interface (API) is a set of functions that allow developers to access the features and data of the software. An API extends functionalities and facilitates integration with third-party software. API banking is becoming a critical step in helping customers and business partners innovate for new technologies. The (API) has become increasingly attractive in financial markets around the world. Countries like the US, UK, Canada, Singapore, and Japan have generally adopted this technology.

Keywords

Application Programming Interface ; Banks ; Open banking ; API Banking ; International Experience

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