The term “API-first” has become standard vocabulary in banking technology discussions, but it is used with widely varying degrees of precision. For many, it simply means that a system has an API. Which in 2026 describes virtually every piece of enterprise software. For those who understand the term correctly, API-first is a specific architectural philosophy that changes […]
Banking as a Service is one of the most consequential structural shifts in financial services since the introduction of internet banking. It decouples the provision of regulated banking infrastructure from the customer-facing delivery of financial products; allowing companies that are not banks to offer bank-quality financial services to their customers, and allowing licensed banks to generate new revenue streams […]