Research & Analysis

From Integrations to Innovation: Implementing an Evolving API Strategy

Making information systems and functionalities available to external parties via open application programming interfaces (APIs) provides exciting opportunities for start-ups and innovation-focused businesses to build products that can reach lowincome customers. But all too often, digital financial service (DFS) providers treat APIs as ad hoc contracts that define how each individual thirdparty partner can access their data and services.

This primer outlines important considerations and initial actions for DFS providers who are ready to move from one-off API integrations to an iterative process of building open APIs, in which continual learning generates new revenue opportunities and helps third parties to develop products that bring more people into the financial system.


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