Matthias Biehl

Matthias Biehl

API Strategist at Software AG

API Strategist at Software AG. Matthias empowers customers to discover their opportunities for innovation with APIs & ecosystems and turn them into actionable digital strategies. Based on his experience in leading large-scale API initiatives in both business and technology roles in banking, insurance, media, and telco, he shares best practices and provides strategic guidance. Matthias is the author of several books on APIs, and regularly speaks at technology conferences.

Recent posts

  • Integration & APIs

    Six open banking strategy blueprints

    Since open banking has moved away from the area of "check-the-box compliance” and into the area of innovative opportunities, it has also become a topic of strategic interest. In this blog, I look at open banking from the bank’s perspective. Here I will explore six different open banking strategy blueprints, along two dimensions: (1) ownership of the customer interface (internal/external) and (2)…

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  • Integration & APIs

    Open up the banking stack

    Banks traditionally preferred to have tight control over their products and delivery channels, but today’s customers are increasingly looking for broader choices. They want the banking products in the channel of their choice, at exactly the time they need it, and tailored to their personal preferences. This requires banks to open up their “banking stack” to third parties. Banks typically…

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  • Integration & APIs

    How open banking APIs reshape the value chain

    APIs are revolutionizing the financial services industry by making core banking functionality, such as accounts, transactions, balances and payments, digitally and programmatically available - both inside the organization and outside to third parties. This is the foundation of open banking. But open banking is more than just the technical APIs in the financial space alone, it also provides the security, legal…

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  • Integration & APIs

    Seven must-haves for your API design style guide

    Do you want to design awesome APIs? Consistency across all the APIs in your API portfolio is key. And consistency makes your APIs intuitive for developers to use, and that’s what developers like. Because, instead of reading through a bunch of documents, they can use your APIs intuitively, because the APIs are consistent. In other words, this API works the same way…

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  • Integration & APIs

    Technologies that power open banking

    Financial services are built on trust, and it is vital for banks that their clients trust them. Clients need to trust banks to safely store their money, process transactions correctly, and keep their data secure. When banks introduce digital technology, such as open banking, it must be seen to improve customer experience (as discussed in blog 1) and enable the emergence…

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  • Integration & APIs

    How open banking ecosystems emerge

    Open banking is more than just APIs for banks; it requires the emergence of a digital ecosystem that fosters the active collaboration among banks and fintechs. For open banking to be usable, banks need to make their data available in the form of secure APIs – then fintechs with innovative ideas will need to connect to those APIs, and leverage the data…

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  • Integration & APIs

    Who wins in open banking?

    As a traditional bank, you are increasingly under pressure to digitally transform your customers' experiences. Until recently, if bank customers wanted to use a banking app, they needed to use one provided by their bank – and it was often limited in functionality. Today, digital banks and fintechs offer customers an alternative with innovative, customer-centric technology, and are putting traditional…

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