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: