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Global Open Banking Technology Infrastructure and Architecture
From business drivers to technical implementation — a complete reference architecture for API gateways, OAuth 2.0/OIDC, consent management, fraud detection, legacy core integration, and cloud-native scaling, benchmarked across Europe, UK, APAC, and the Americas.
43-page technical deep dive · No spam, instant access · By industrytalkstech.com
Written for CTOs, architects & engineering leaders in banking, FinTech, and payments
Why Read This Report
Open Banking has moved from a regulatory checkbox to a platform strategy. This report gives technical leaders the reference architecture and implementation detail to build for it — not just comply with it.
A Complete Reference Architecture
A layered blueprint covering channels, the experience layer, API gateway, security layer, and operational layer — adaptable to any regional requirement.
Security & Consent, Done Right
OAuth 2.0, OpenID Connect, FAPI profiles, Strong Customer Authentication (SCA) flows, token lifecycle, and real-time fraud detection integration.
Global Regulatory Comparison
A side-by-side technical breakdown of PSD2 (Europe), OBIE (UK), CDR (Australia), Account Aggregator (India), FDX (US), and Open Finance (Brazil).
Legacy Core Integration Strategies
API facades, data replication and CDC, event-driven architectures, and practical patterns for connecting modern APIs to decades-old core banking systems.
Cloud-Native Scalability
Horizontal scaling, Kubernetes (EKS/AKS/GKE), multi-region deployment, and designing for the highly variable traffic loads of Open Banking APIs.
Where the Industry Is Heading
Decentralized identity, blockchain-based consent auditability, machine learning, event streaming, and API monetization for the next phase of Open Banking.
What's Inside
A structured, three-part technical report — from the global business landscape to a working architecture and future outlook.
- 01. Executive Summary & the Global Open Banking Landscape
- 02. Regulatory Mandates: PSD2, CMA/OBIE, CDR, AA, FDX & more
- 03. Comparative Analysis of Regional Open Banking Models
- 04. Open Banking Reference Architecture (Layered Design)
- 05. API Architecture Deep Dive: REST vs. GraphQL, API Lifecycle
- 06. Developer Portal Architecture & TPP Onboarding
- 07. OAuth 2.0, OpenID Connect & FAPI Security Profiles
- 08. Strong Customer Authentication (SCA) Flow Patterns
- 09. Fraud Detection Integration & Canonical Data Models
- 10. Legacy Core Banking Integration Strategies
- 11. Cloud-Native Infrastructure & Scalability Design
- 12. Regional Implementation Patterns: EU, UK, India & More
- 13. Advanced Topics: Decentralized Identity & Blockchain
- 14. Conclusions: From Compliance to Platform Strategy
Global Coverage
One report, every major Open Banking regime — compared technically, not just legally.
“These advancements will be crucial for financial institutions to remain competitive and navigate the ever-changing landscape of the global financial markets.”
— From the report’s working white paper
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Global Open Banking Technology Infrastructure and Architecture
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