Gartner Research

Hype Cycle for Open Banking, 2016

Published: 12 July 2016

ID: G00308710

Analyst(s): Kristin Moyer , Mark O'Neill


Open banking enables people, businesses and things to give, take and multiply value creation for the bank by sharing data, algorithms and transactions with business ecosystems.

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
    • Banking App Stores
    • API Marketplaces
    • Marketplace
    • Open Bank Project
    • Open Banking Strategy
    • Open-Source Banking Systems
    • Platform Business Models
    • Business Ecosystems
    • Platforms
    • API Standards
  • At the Peak
    • Internal Hackathons
    • Internal APIs
    • Full Life Cycle API Management
  • Sliding Into the Trough
    • External Hackathons
    • Public Web APIs
    • BIAN Standards
  • Climbing the Slope
    • Private APIs
  • Entering the Plateau
    • Fintech APIs
  • Appendixes
    • Hype Cycle Phases, Benefit Ratings and Maturity Levels

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