Towards the API Economy... The Payment Services Directive 2 (PSD2)
The API Economy -
Towards new Digital Business Model.
It´s known that Industry disruption has always been driven by technology and standarization.
Application
programming interfaces ( APIs) are the key "building blocks" of the new Digital Business Platform. APIs are pieces of software code that provide a "set of technical and functional specifications" to nteract with information and business systems.
APIs organizational’s core assets can be reused,
shared, and monetized through APIs that can extend the reach of existing
services or provide new revenue
streams.
APIs can
be managed like a product—one
built on top of a potentially complex technical footprint that includes legacy
and third-party systems
and data. Digital Disruption is fueled by API´s
Companies should commit to
building a marketplace to trade and settle discrete, understandable, and
valuable APIs and to establish an ecosystem of partners, integrators and consumers to enable new business and monetize data and algorithms.
A Digital Business is supported by a Technology Platform in the following five areas:
- Information Systems Platform
Back Office and Operational Information System.
- Customer Platform
Portals, Multichannel and Customer Apps.
- Data an Analytics Platform
Information Management and Analytical Tools
- Internet of Things (IoT) Platform
Connects physical assets for monitoring, control
and monetization.
- Ecosystems Platform
Supports the creation and connection to external
ecosystems, marketplaces and communities
including API management, control and security.
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