Wallets, APIs and Trust

6 Page Blog

Top of mind today are Wallets, Identity and Application Program Interfaces (APIs). APIs are the core concept behind many new business models investors must decipher:

  • Software as a Service (SaaS)
  • Payments as a Service (PaaS)
  • Banking as a Service (PaaS)
  • Open Banking – PISP, AISP, ..etc
  • Account Aggregation – FDX, Plaid, Akoya, … etc
  • Payment Service Provider (PSP) – Stripe, Adyen, PYPL/Braintree, … etc

Previously, I’ve covered this topic in Open Banking and Open Payments and Trust Networks (2020)  Part 3 – Internet 2.5 (2022), Modularity and Trust (2022) and Evolution of V/MA – Moving Beyond Cards (2021). Summary points from these previous blogs:

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Identity, Authentication and Risk

Bridging Domains – Short Blog – Random Thoughts

This is a “Random Thoughts” blog, which means there are many points that I’ve left hanging (not finished cleanly). The blog’s objective is to stimulate discussion, so please don’t hesitate to comment.  Identity is a hot topic for me with 15+ years of previous bosts. Here are a few updates … as well as my evolving perspective. 

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