How do banks monetize open banking APIs commercially?

Under PSD2, account information service providers (AISPs) and payment initiation service providers (PISPs) must receive API access without charge for regulatory compliance data. Premium APIs with enhanced data (spending categorization, risk scoring, enhanced authentication) can generate USD 0.01–0.10 per call from fintechs and third parties.

What revenue do banks lose from open banking disintermediation?

Banks risk losing: payment initiation revenue (card interchange replaced by bank-to-bank transfer), advisory relationship revenue (account aggregation shifts customer relationship to aggregator), and float income (faster payments reduce compensating balance requirements). McKinsey estimates open banking could shift 15–20% of banking revenue to platform intermediaries by 2030.

Open Banking API Call Revenue Model

Model open banking API revenue for banks offering account aggregation and payment initiation APIs, comparing freemium vs. paid API tiers and comparing with incumbent infrastructure revenue at risk from disintermediation.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How It Works

Each component has a specific meaning:

Disintermediation — The disintermediation recorded for the scenario being assessed.

Note: Interpret the open banking api revenue result against the thresholds and context described above.

How to Use

Enter the disintermediation for the scenario you are assessing. Model open banking API revenue for banks offering account aggregation and payment initiation APIs, comparing freemium vs. paid API tiers and comparing with incumbent infrastructure revenue at risk from disintermediation. Use the open banking api revenue result to inform your calculation.

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