Open Banking API Architecture
An anonymized Larkinized engagement illustrating EA value in financial services.
Client Context
A regional bank implementing PSD2-style open banking APIs under competitive pressure. Larkinized engaged with CIO and business sponsors across financial services.
Challenge
Legacy core APIs unstable; OAuth and consent flows immature.
Approach
API architecture layer; threat modeling; sandbox for fintech partners.
Architecture Decisions
API gateway as policy enforcement; standardized consent resource; rate limiting tiers.
Outcomes
Partner onboarding weeks not months; regulatory examination clean on API scope.
Lessons Learned
Open banking architecture is security architecture—threat model every endpoint.
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