2026-01-16 Return to Briefing

Unified Open Banking API Frameworks

Unified Open Banking API Frameworks

Unified API architectures are replacing legacy screen-scraping, reducing onboarding from weeks to minutes. The open banking market is projected to reach $135B by 2030.

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Citizens Bank's FDX-based API success demonstrates the power of multiplexing architectures. API-first strategies are enabling embedded finance ecosystems and creating frictionless integration as a primary competitive advantage for SMB and enterprise segments.