API Monetization: The Case for U.S. Banks

Regulatory and competitive factors are driving the demand for APIs in the financial sector.

APIs are key tools for banks to seize new market opportunities or create value for their corporate clients’ compliance efforts. This report presents a methodology for assessing the potential value of APIs for FIs and fintech vendors and aims to test the accuracy of the revenue sizing model proposed by the author and developed by applying it to the U.S. market.

Moreover, the report explains how to identify the key use cases and provides a framework for estimating the market size and revenue streams of developing and offering APIs to corporate users. Datos Insights advisors leveraged a Q3 2023 survey of 1,037 midsize and large organization, which included 227 employees from non-FI organizations of midsize and large companies in the U.S.

Clients of Datos Insights’ Commercial Banking & Payments service can download this report.

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