2026-01-15 Return to Briefing

API-First Core Architecture

API-First Core Architecture

Modular banking services enable 42% faster product deployment; 95% of new digital workloads to be cloud-native by 2025.

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Strategic Analysis: API-First Velocity

Velocity Gap: Digital-native competitors launch in <6 months vs 18-24 months for legacy banks. API-first enables continuous extensibility.

Market Evidence: JPMorgan API traffic reached 1.89 billion requests in June 2025.