Gartner Research

Reference Model for Open Banking APIs, Apps and App Stores

Published: 06 June 2014

ID: G00257835

Analyst(s): Kristin Moyer , Mary Knox, Paolo Malinverno


Digital business is driving the need for new architecture layers and ecosystems enabled by open banking APIs, apps and app stores. This reference model describes the foundation for open banking.

Table Of Contents


  • Overview
  • Reference Architecture Template Elements
    • Users
    • Devices
    • Ecosystem of Partners and Developers
    • External APIs and Apps
    • Banking App Store
    • App Performance Monitoring
    • Banking Apps
    • Gateway
    • Application Services Governance
    • Services/APIs

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