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Global Open Banking APIs Market: 2025-2029 Market Trends & Strategies

Publisher Juniper Research
Published Feb 24, 2025
Length 45 Pages
SKU # JNRH19878153

Description

This report examines the Open Banking APIs market landscape in detail; assessing market trends and factors shaping the evolution of this rapidly growing market. The report delivers comprehensive analysis of the strategic opportunities for Open Banking API players; addressing key verticals and developing challenges, and suggesting how stakeholders should navigate these. It also includes evaluation of key country-level opportunities for Open Banking APIs market growth, based on current Open Banking infrastructure and regulatory developments, market readiness, and more.

Please note: the online download version of this report is for a global site license.

Table of Contents

45 Pages
1. Key Takeaways & Strategic Recommendations
1.1 Key Takeaways
1.1.1 Successful Markets Still Heavily Dependent on Regulations
1.1.2 AI Solutions to Become Deeply Integrated with Open Banking
Offerings
1.1.3 API Monetisation Strategies Favour Channel-based Approaches
1.2 Strategic Recommendations
1.2.1 Personalisation of Solutions is Crucial Use Case from APIs
1.2.2 Opportunities Beyond Core Markets Should be of Focus in Coming
Years
1.2.3 Vendors Should Pre-empt Upcoming Regulatory Changes
2. Market Landscape
2.1 Introduction
Figure 2.1: Data Flow with Open Banking APIs
2.2 API Infrastructure
Figure 2.2: Enterprise Adoption of APIs without Standardised APIs
2.2.1 API Security Features
2.3 Current Market
Figure 2.3: Open Banking Models
2.3.1 Monetisation Opportunities from Open Banking APIs
2.3.2 Trends
i. Generative AI to Agentic AI?
ii. API Quality and Availability Increasing
iii. Payment Usage Necessitates Demand for APIs
2.3.3 Benefits
i. Cost Reduction for Merchants
ii. Customisation
iii. New Business Models
2.3.4 Challenges
i. Security
ii. Monetisation and Profitability
iii. Limited Regulator Involvement
Figure 2.4: Notable Regions for Open Banking and their Regulatory Bodies or
Legislation (2024)
3. Segment Analysis
3.1 Introduction
3.1.1 Payments
Figure 3.1: Total Value of Open Banking Payments ($m) Split by 8 Key Regions,
2024-2029
3.1.2 Bank Accounts
Figure 3.2: Total Platform Revenue of Open Banking APIs for Account
Aggregation & PFM ($m) Split by 8 Key Regions, 2024-2029
3.1.3 Lending
Figure 3.3: Total Volume of Open Banking Lending API Calls (m) Split by 8 Key
Regions, 2024-2029
3.1.4 Identity
Figure 3.4: Total Volume of Identity-related Open Banking API Calls (m) in West
Europe, 2024-2029
3.1.5 Niche Use Cases
i. Investments
Figure 3.5: Total Volume of Open Banking Investment API Calls (m) Split by 8 Key
Regions, 2024-2029
FINTECH & PAYMENTS
ii. Cards
iii. FX
iv. Mortgages
Figure 3.6: Total Volume of Open Banking Mortgage API Calls (m) Split by 8 Key
Regions, 2024-2029
4. Country Readiness Index
4.1 Introduction to Country Readiness Index
Figure 4.1: Country Readiness Index Regional Definitions
Table 4.2: Juniper Research’s Country Readiness Index Scoring Criteria: Open
Banking APIs
Figure 4.3: Juniper Research’s Country Readiness Index: Open Banking APIs
Table 4.4: Open Banking APIs Country Readiness Index: Market Segments
4.1.1 Focus Markets
i. National Payment Schemes
Figure 4.5: Open Banking Payment Value ($m) from Several Focus Markets,
ii. Country-level Assessment: Saudi Arabia
4.1.2 Growth Markets
i. Digital Economies
Figure 4.6: Total Volume of Open Banking APIs (m) Split by Growth Markets,
2024
ii. Developing Regulations
iii. Country-level Assessment: US
4.1.3 Developing Markets
i. Lacking or Developing Infrastructure
4.1.4 Country Readiness Index Heatmaps
i. North America
Figure 4.7: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: North America
ii. Latin America
Figure 4.8: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: Latin America
iii. West Europe
Figure 4.9: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: West Europe
iv. Central & East Europe
Figure 4.10: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: Central & East Europe
v. Far East & China
Figure 4.11: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: Far East & China
vi. Indian Subcontinent
Figure 4.12: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: Indian Subcontinent
vii. Rest of Asia Pacific
Figure 4.13: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: Rest of Asia Pacific
viii. Africa & Middle East
Figure 4.14: Juniper Research’s Open Banking APIs Country Readiness Index
Heatmap: Africa & Middle East

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