Gartner Research

Hype Cycle for Open Banking APIs, Apps and App Stores, 2014

Published: 17 July 2014

ID: G00263513

Analyst(s): Kristin Moyer


The focus of this Hype Cycle is the self-service discovery, provisioning and creation of new banking services by ecosystems that are inside and outside the bank. APIs, apps, app stores and partners are key to enabling open banking.

Table Of Contents


  • What You Need to Know
  • The Hype Cycle
    • The Four Main Categories of Open Banking
    • Off the Hype Cycle
    • New on the Hype Cycle
    • Why This Hype Cycle Is Front-Loaded
    • Fast Movers
    • Who Can Benefit From This Hype Cycle?
    • Multigeography, Multicontext Analysis
  • The Priority Matrix
  • On the Rise
    • Commercial Banking APIs
    • Community Source Banking Systems
    • OpenID Connect
    • Employee Apps
    • Open Bank Project
    • SDA for Application Services
    • Banking App Stores
    • Business Models for Open Banking
    • Business Strategy for Open Banking
    • Tablet Apps
    • Internal Hackathons
    • Vendor Readiness for Open Banking
    • Open-Source Banking Systems
    • Developer and Partner Ecosystems
    • Retail Banking APIs
    • Internal APIs
    • API Marketplaces
  • At the Peak
    • OAuth
    • Commercial Banking Apps
    • Application Services Governance
    • External Hackathons
    • Crowdsourcing for Open Banking
  • Climbing the Slope
    • Nonbank APIs
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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