Open Banking to Financial Infrastructure
Open Banking is often explained as a set of APIs, regulations, and technical standards. This book takes a different approach.Open Banking to Financial Infrastructure explains the full model from a Product Manager’s perspective: why Open Banking emerged, how consent and connectivity work, how value flows across the ecosystem, and how infrastructure companies such as Lean Technologies build and expand their businesses.Inside, you will learn: Why traditional banking systems became fragmented How Open Banking works from consent to data retrieval The role of banks, fintechs, regulators, and infrastructure providers How APIs, tokens, authentication, and permissions work together The main Open Banking capabilities: data, payments, identity, verification, and insights How to identify and design products using Open Banking How infrastructure companies make money and build defensibility Why pure connectivity risks becoming commoditized How companies can expand into verification, enrichment, intelligence, workflows, and automation Where AI can create real value in financial infrastructure The book includes practical frameworks and visual models covering: The Open Banking ecosystem The customer connection journey The capability stack The product value ladder The product opportunity framework The discovery canvas The infrastructure product stack The infrastructure expansion ladder This book is designed for: Product Managers working in or moving into fintech Fintech founders and operators Banking and financial-services professionals Strategy, innovation, and consulting teams Engineers who want to understand the business behind financial APIs This is not a technical implementation manual or a regulatory textbook. It is a practical guide to understanding Open Banking as a product, business, and infrastructure model.Format: PDF e-bookLength: 29 pagesIncludes: Eight original visual frameworks
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