Capco: To Produce or to Distribute? Short- and Long-Term Strategies for a Post-API Bank

As open APIs begin to shape a new banking landscape, banks’ immediate focus should be on improving core differentiating services, taking advantage of their access to infrastructures and networks.

The introduction of open banking APIs in the U.K. in less than a year raises the possibility of separating the banking market into two distinct parts: a producer market and a distributor market. The producer market will likely comprise existing financial institutions that create financial products