More and more digital financial services providers are deciding to open APIs, which can providers in several ways. In the short term, APIs can enable companies to attract new customers, increase activity rates and generate new revenue streams, as demonstrated in our case studies below. Longer term, they can strategically position providers at the center of emerging digital ecosystems. Since APIs make it easier for innovators to build an array of apps and other products that rely on financial services, customers in emerging markets benefit from greater competition and access to a wider array of services.