APIs offer U.S. banks a strong opportunity to create new revenue streams, especially through account and market information APIs. These tools allow real-time integration with corporate clients’ enterprise systems, enabling instant access to balances, transactions, and financial data. While transactional APIs may not yield significant direct profits, information APIs can drive monetization via data-driven services. Banks could generate up to $60 billion from account information APIs and $12 billion from market information APIs. Success depends on identifying use cases, pricing strategies, and overcoming user reluctance to pay.

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