開放銀行API在2023年產生了570億美元的全球交易，證明了它們的重要角色

現在，全球金融機構正在將API作為現代銀行業務的基礎。這些數字連接器正在改變金融服務的運作方式

Open banking APIs are rapidly transforming the financial services landscape, and they’re set to play an increasingly critical role in the years ahead. In 2023 alone, these digital connectors generated an impressive $57 billion in global transactions, a testament to their impact on today’s diverse fintech ecosystem.

開放銀行API正在迅速改變金融服務格局，並且在未來幾年中將發揮越來越重要的作用。僅在2023年，這些數字連接器就產生了570億美元的全球交易，這證明了它們對當今多樣化的金融科技生態系統的影響。

This level of activity shows just how quickly consumers are integrating fintech solutions into their daily lives. Statistics from the U.S. show that 88% of consumers now use at least one fintech service.

這種活動水平表明，消費者將金融科技解決方案集成到日常生活中的速度。美國的統計數據表明，現在有88％的消費者使用至少一項金融科技服務。

When financial institutions collaborate with third-party providers through the secure framework of open banking APIs, they build a synergistic ecosystem where both consumers and businesses reap benefits. These collaborations are governed by exacting standards that ensure data moves safely between parties, and proper integration helps banks maintain optimal security measures while still opening their doors to innovation.

當金融機構通過開放銀行API的安全框架與第三方提供商合作時，他們建立了一個協同的生態系統，消費者和企業都從中獲得了收益。這些協作受嚴格的標準控制，以確保當事方之間的數據安全地移動，並且適當的集成有助於銀行維持最佳的安全措施，同時仍在打開其創新之門。

As the fintech industry continues its remarkable ascent—anticipating an industry revenue of $1.5 trillion annually by 2030—scalability and security become paramount. These factors will be pivotal in sustaining the industry's high growth trajectory.

隨著金融科技行業繼續出色的上升 - 到2030年，每年1.5萬億美元的行業收入變得至關重要。這些因素將是維持該行業高增長軌蹟的關鍵。

Despite the widespread discussion of open banking, there are still significant security hurdles to overcome in its implementation. Banks and financial institutions face a delicate balancing act: how do you innovate relentlessly while keeping security measures extremely robust? The challenge lies in protecting customer data with the utmost diligence while still making it accessible through the proper channels.

儘管對開放銀行業務進行了廣泛討論，但在實施方面仍然存在重大的安全障礙。銀行和金融機構面臨著一個微妙的平衡行為：您如何不懈地創新，同時保持安全措施極強？挑戰在於以最大的努力保護客戶數據，同時仍可以通過適當的渠道訪問它。

However, the introduction of Strong Customer Authentication (SCA) under PSD2 regulations has made a substantial difference. Compared to outdated methods like screen scraping, which were largely used before 2020 and rendered many aggregators useless, today's technology offers a vast improvement in fraud risks.

但是，根據PSD2法規引入強大的客戶身份驗證（SCA）已有很大的不同。與屏幕刮擦之類的過時方法相比，屏幕刮擦（在2020年之前都在很大程度上被使用，並使許多聚合器毫無用處，如今的技術可在欺詐風險方面得到了極大的改善。

This guide will take a comprehensive look at building secure and compliant open banking APIs for 2025 and beyond. We'll cover establishing secure endpoints using industry standards like FDX, setting up optimal authentication flows with OAuth 2.0, creating positive developer experiences with best practices, and designing systems that can evolve with changing regulations and technologies.

本指南將全面研究2025年及以後的安全且合規的開放銀行API。我們將使用FDX等行業標準來建立安全的終點，以OAUTH 2.0建立最佳的身份驗證流，從而在最佳實踐中創造積極的開發人員體驗，並設計可以隨著法規和技術而發展的系統。

Let's delve into what makes open banking work securely and optimally at scale.

讓我們深入研究使開放銀行在大規模上安全和最佳工作的方法。

Understanding Open Banking APIs and Their Role in Fintech

了解開放銀行API及其在金融科技中的作用

Financial institutions around the world are increasingly adopting APIs as fundamental building blocks of modern banking in today’s fast-moving fintech landscape. These digital connectors are altering the way financial services operate, interact and innovate.

在當今快速發展的金融科技景觀中，全球金融機構越來越多地採用API作為現代銀行業務的基本基礎。這些數字連接器正在改變金融服務的運作，互動和創新方式。

What Are Open Banking APIs and Their Purpose?

什麼是開放銀行API及其目的？

Open banking APIs are essentially digital gateways that third-party developers can use to build applications around existing financial systems. They form standardized and secure channels for data exchange between banks and authorized third parties. In essence, these APIs create a technical framework that enables financial data to flow seamlessly and securely with proper customer permission.

開放銀行API本質上是第三方開發人員可以用來圍繞現有金融系統構建應用程序的數字網關。它們形成了銀行和授權第三方之間的數據交換的標準化和安全渠道。本質上，這些API創建了一個技術框架，使財務數據能夠在適當的客戶許可下無縫且安全地流動。

Open banking APIs fulfill several key purposes, which are interconnected to create a broader ecosystem of services. These APIs can be categorized into various types, each serving a specific function in the integration process.

開放銀行API實現了幾個關鍵目的，這些目的是相互聯繫以創建更廣泛的服務生態系統的。這些API可以分類為各種類型，每種API在集成過程中都有特定功能。

Data APIs: These APIs provide read-only access to account information, including balances, transaction history, and other relevant financial data. Third-party developers can use this access to build applications that analyze customer spending habits, generate personalized financial reports, or offer budgeting assistance.

數據API：這些API提供僅閱讀的帳戶信息訪問，包括餘額，交易歷史記錄和其他相關財務數據。第三方開發人員可以使用此訪問來構建分析客戶支出習慣，生成個性化財務報告或提供預算幫助的應用程序。

Transaction APIs: These APIs enable third parties to initiate transactions on behalf of customers with their consent. For instance, an e-commerce platform could use a transaction API to collect payment from a customer directly into their bank account in a single, seamless step.

交易API：這些API使第三方能夠在客戶同意下代表客戶啟動交易。例如，電子商務平台可以使用交易API以單個無縫的步驟直接從客戶收集其銀行帳戶中的付款。

Product APIs: These APIs allow third parties to list and compare financial products, such as loans, credit cards, and investment products, from multiple institutions. Third-party providers can then use this data to build valuable services like financial product aggregators or personalized recommendations.

產品API：這些API允許第三方列出和比較來自多個機構的貸款，信用卡和投資產品等金融產品。然後，第三方提供商可以使用此數據來構建有價值的服務，例如金融產品聚合商或個性化建議。

The importance of open banking APIs in the financial ecosystem is evident in the latest statistics. In 2023 alone, an estimated $57 billion in transactions were generated by open banking APIs globally. This staggering figure showcases the rapid expansion of fintech solutions as consumers become increasingly engaged.

在最新統計數據中，在金融生態系統中開放銀行API在金融生態系統中的重要性是顯而易見的。僅在2023年，全球開放式銀行API就產生了約570億美元的交易。隨著消費者越來越多的參與，這個驚人的人物展示了金融科技解決方案的快速擴展。

How APIs Facilitate Consumer-Permissioned Data Sharing

API如何促進消費者收到的數據共享

At the heart of open banking lies the concept of consumer-permissioned data sharing. This mechanism allows customers to explicitly authorize third-party providers (TPPs) to access specific types of financial data. The process usually starts with OAuth authorization.

開放銀行的核心是消費者使用的數據共享的概念。這種機制使客戶可以明確授權第三方提供商（TPP）訪問特定類型的財務數據。該過程通常以OAUTH授權開始。

When a customer wishes to use an application from a third-party provider, they are redirected to their bank's authentication system, where they log in and grant the application the desired level of access to their financial data through a clear and concise consent screen. This authorization is typically expressed in terms of OAuth scopes, which specify the types of data or functions that the third party is authorized to use. For instance, a budgeting application might be granted scope to "read" transaction history but not to initiate transfers.

當客戶希望使用第三方提供商的應用程序時，他們將通過清晰簡明的同意屏幕重定向到銀行的身份驗證系統，並登錄並授予應用程序所需的財務數據訪問水平。該授權通常以OAUTH範圍來表示，該範圍指定了第三方被授權使用的數據或功能的類型。例如，預算應用程序可以授予“讀取”交易歷史記錄的範圍，但不能啟動轉移。

After successful authentication, the bank generates an authorization code and sends it back to the third-party provider through a redirect URL. The third-party provider then uses this code to obtain an access token. This is done by making a secure request

成功身份驗證後，銀行生成了授權代碼，並通過重定向URL將其發送回第三方提供商。然後，第三方提供商使用此代碼獲得訪問令牌。這是通過提出安全請求來完成的