API开放银行建设路径及设计实现

Open Bank Construction Path and Design Implementation of API

随着金融科技的迅速崛起,客户流量逐渐离开了物理网点,向线上流量迁移。为了追随客户流量的方向,以API发展为基础的开放银行迅速兴起,成为商业银行转型的新方向。开放银行建设包括开放API对外输出、数据共享和平台合作,通过标准化的功能开放、定制化的功能嵌入和创新型金融业务,实现以客户为中心、金融科技合作创新、业务服务平台化的推广模式。

With the rapid rise of financial technology,customer traffic gradually left the physical network and moved to online traffic.In order to follow the direction of customer flow,the development of API based open banks is rapidly emerging,which has become a new direction of commercial bank transformation.Open bank construction includes open API export,data sharing and platform cooperation.Through standardized function opening,customized function embedding and innovative financial business,it realizes the promotion mode of customer-centered,financial science and technology cooperation and innovation,and business service platform.