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Payments & FinTech Lawyer

Change brings opportunity: The EU banking ecosystem and the importance of APIs

New technologies, increased competition and a favourable regulatory environment are among the factors driving innovation across the financial services industry. Major banks and financial institutions are facing increasing competition from FinTechs that offer flexible products through digital banking apps, as well as from tech firms that are also entering the sector. Dr Andreas Fillmann, Partner in the Financial Services Practice and Member of the global FinTech Group at Squire Patton Boggs, provides insight into the opportunities presented by the revised Payment Services Directive (‘PSD2’) and Open Banking for banks and the importance of Application Programming Interfaces (‘APIs’) within this changing landscape.

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