The January 2022 Aite-Novarica Group report on Creating Customer Value Through APIs examines how APIs are transforming banking distribution into an API-first model and enabling embedded finance. It highlights the importance of developer tools to speed coding and reduce time to market, as well as partner strategies and pre-integration to expand API usage. The study explores use cases in payments, cards, core banking, and corporate banking, emphasizing APIs’ role in delivering new customer value, supporting innovation, and fostering competitive differentiation in the evolving API economy.

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