API economy

DWC.Ltd

"Open Banking and API Economy, is it time to rethink your business model"


  • Midtier bank in danger, they are pushed by TooBigToFail bank and many new challenger banks
  • Big bank should do digital transformation , not digitalising  
  • BaaS can help to launch new product with a better way, get feedback from customer is possible now. 
  •  Bank can cut cost, by using 3rd party product or let them operate    
  • Automatic Account Aggregation to get things to a single DB.   
  • White label agreement, who should responsible for fraud loss and reputation loss, the bank or the 3rd party.  
  • Pay per use; Subscription; share revenue.  
  • Atom bank use unity to give better experience. 
  • Retailer or similar business who own customer data can easily provide a good banking service by using modern technology and banking api.  



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