Research Reports

In this report, we analyze the nascent use cases of financial institutions experimenting with distributed database technology, one of the most talked-about innovations in financial services.

Early experimentation by financial institutions with distributed-ledger technology

Drawing on a proprietary survey of banking executives, this paper explains where the industry sees the most potential for open APIs to enable innovation and improve security, the degree to which banks have adopted the technology and the reasons many remain reluctant to do so.

Application programming interfaces allow software programs to talk to each other. They are a potential solution to the current industry standoff over sharing of bank customer data with aggregation sites; in the long term, they could transform how banking is done, making customer relationships less sticky but opening up new revenue models for financial institutions. This paper lays out the basic issues surrounding APIs.

This report examines how a core group of banks are establishing themselves as pace-setters in attacking the challenge of remaining "top of wallet" as consumers migrate commerce to smartphones.

Technology companies like Apple and Samsung brought mobile payments to the fore and issues that led the U.S. to lag in mobile wallets have for the most part been settled. This report examines how a core group of banks are establishing themselves as pace-setters in attacking the challenge of remaining "top of wallet" as consumers migrate commerce to smartphones.