Abstract
Nowadays, large banks are facing challenges related to the generation of differential value, which they can accomplish by starting up a group of APIs which enable new criteria to define financial services for ever more expert clients in the management of opportunities regarding their finances and in the use of diverse information for decision making. This article presents an API adoption agile model to foster new digital capacities which facilitate the transformation from traditional businesses strongly supported on information systems to APIs. To accomplish this a review has been made of the literature which guides the classification of the most relevant aspects of businesses based on APIs in banking, then, the components of the proposed model are defined, and finally, the proposal is validated with a use case from the area of Collections in one of the most important banks in South America. Finally, the research suggests a series of results through a gap analysis which prove that technological transformations based on APIs can be absorbed in a fast way both by the business process as well as by the clients.
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Tabares, M.S., Suescun, E. (2020). Towards an APIs Adoption Agile Model in Large Banks. In: Rocha, Á., Adeli, H., Reis, L., Costanzo, S., Orovic, I., Moreira, F. (eds) Trends and Innovations in Information Systems and Technologies. WorldCIST 2020. Advances in Intelligent Systems and Computing, vol 1159. Springer, Cham. https://doi.org/10.1007/978-3-030-45688-7_31
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DOI: https://doi.org/10.1007/978-3-030-45688-7_31
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