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API Infographic by #EnjoyDigitAll

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APIs (Application Programming Interfaces) are software solutions that help communication between applications for mutual exchange of data or services.

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API Infographic by #EnjoyDigitAll

  1. 1. We say that APIs expose their data or services APISAPIs (Application Programming Interfaces) are software solutions that help communication between applications for mutual exchange of data or services. WEAREUNKNOWINGLYUSINGAPISEVERYDAY Braintree Uber Sonos Spotify Remote Control Associated device Minicab Underground Rail Google Maps GPS Citymapper CONCRETELY,HOWDOTHEYWORK? APIs are the interfaces that give access to the data or services we need. Services we are using daily rely on the capacities the APIs offer to deliver improved user experiences. My application API ThetypesofAPIs 2 4 Authentication Provider query Data or service fetching in a structured format Request Data or services offered by the remote provider API Terms of Service GLOSSARY Google Maps online mapping service Braintree helps people exchange money thanks to their phone number only Uber car sharing application Citymapper mobile application for urban transport and route calculation Spotify online platform for music streaming Remote control helps turning smartphones into remote controls Sonos swireless home audio system 1 3 INTERNAL API API dedicated to company internal operations. It enables the use of the company’s data or services in a quick and standard way, with no duplication. PUBLIC API API accessible to all after a simple online contract. It enables third parties to develop applications that interact with your API (source of innovation). PRIVATE API API shared with some corporate partners under certain conditions. It helps generate new revenue streams while ensuring a real-time experience and better security control. TYPESOFDATAACCESSIBLEVIAAPIs ENDLESSPOSSIBILITIES API Clients Theoretical train timetables Client information User identification Cold data Hot data Route details from home to the station Text sending Services Alerts Real-time information Cancellations i SIMPLICITY Thanks to APIs, it is possible to interact with a system with no need to worry about its complexity or its functioning. There’s no need to understand how Google Maps works to use its API and access to its information. SECURITY APIs help make data or functionalities available to third parties without opening access to the source systems. The APIs offer a better security monitoring and management. CONTROL APIs enable to link data access to a license to use called API Terms of Service. The document will define a contract about what the APIs offer and help the emitter control access to that. DEVELOPMENT AND MAINTENANCE The provider can upgrade the API eby enhancing them with offered data or services and make them available at once to all the clients. Similarly, this simplifies the maintenance, for it is directly focused on the API and thus doesn’t impact the clients. PERSONALIZATION Using APIs helps offer bespoke service to the users. INNOVATION Relying on existing services or data helps make the development cycles shorter and modify iterations, which fosters innovation. Making services or data available through APIs encourages external players to make the most of them and offer innovative user experiences. OPPORTUNITIES APIs need to be considered like products, with their value propositions, features, life cycles, and over all their users. The mainstreaming of APIs represents new opportunities that consist in providing data or services thanks to them. STANDARD APIs work according to standards that simplify their implementations. THEADVANTAGESOF USINGAPIs THEBUSINESSMODELOFAPIs CONCLUSION THEAPISAREATTHECOREOFOPENBANKINGANDPLATFORMISATIONOFFINANCE Since September 2019, the European Payment Services Directive (PSD2) has pushed banks to share via APIs the data from their clients’ bank accounts with third-party payment service providers. Today, the finance institutions are using the API technology to provide their clients and partners with new digital services, like insurance and payment services. The implementation of APIs helps to make the banking information systems more agile. It also makes it possible for banks to offer more value to their customers outside of a closed environment, while maintaining the highest level of security. The BNP Paribas Group has implemented the API Store (https://apistore.bnpparibas), a platform that indexes the existing APIs in the different activities of BNP Paribas worldwide. The API Store makes it easier for partners, startups and developers to use the Group API services, for them to develop easily new customer experiences and applications, by relying on the the financial services of the BNP Paribas Group. Such data sharing is possible thanks to the implementation of an API portal that opens their Information System to certified payment service providers that are fitted with an eIDAS certificate. Implementing APIs and opening systems to the outside is a genuine source of opportunities, innovation-, agility-, cost-efficiency- and even business-wise. Such opening should be part of a clearly defined strategy, based on a consistent economic model which takes into account the new possible threats APIs represent for the information system. . DIRECT INDIRECT Freemium Internal ROI The API is available in a free, limited version, and a paid, unlimited version The API accelerates the internal development Driving Traffic The API encourages to use the product Content The API helps getting content Affilitation The API helps acquiring users SaaS The API is indirectly monetized through the portfolio included in the offer Per unit The price depends on the chosen functionalities Pay-as-you-go The price is indexed on the consumption Gradual The price raises with the consumption Sliding scale The price lowers with the consumption APIs often use a double model: for instance, a Freemium model is often used with a quantitative model (pay-as- you-go, gradual or sliding scale). Writing 100% of the applications is not necessary anymore: it is possible to pick up the needed data, functionalities or services in the available APIs, which is time- and money-saving. Be it to add an online payment service, train timetables or geolocation, the development seems like an applicative construction game. Each element interlocks in a standardized and secure manner without interfering with the others. This is a limitless game! MADE WITH LOVE BY Sources : https://www.agencedebord.com/api-definition-utilisation https://www.lafabriquedunet.fr/blog/definition-api/ https://www.journaldunet.com/solutions/expert/67537/les-api--pourquoi-elles-sont-devenues-incontournables-pour-l-innovation.shtml https://www.agefi.fr/fintech/actualites/hebdo/20160915/api-portent-l-innovation-dans-banques-198229 API Business Models (John Musser) Designed by by FOLLOW US ON TWITTER

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