Accelerating on Platform Models thanks to API: Embedded Finance
summary
BNP Paribas outlines concrete embedded finance products delivered as reusable APIs: personal loan API embedded in Allegro (Poland) moves from a bespoke 2019 integration toward an open product for other partners; Acceptor omnichannel payments runs across merchants selling in 21 European countries; Instant Payment for corporates exposes three APIs (confirm beneficiary, initiate instant credit transfer, retrieve status) with beneficiary credited in under 10 seconds and status visible ~50 seconds later. A federated API Store shortens partner time‑to‑market; monetization stays use‑case driven (freemium then usage/tiering).
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chapters (14)
- 0:00Intro
- 0:22Welcome
- 1:45Who are we
- 3:54What opportunity can we see
- 5:33What is an API
- 6:01Role of API in Platform Business
- 10:07Acceptor
- 11:03Direct Debit
- 11:43Instant Payment
- 12:53API Store
- 14:49Use Cases
- 16:27Regulation
- 19:37Monetization
- 22:45Standardization
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