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API.expert Monthly Banking API Analysis: March | Cluster of Failures

This Month’s Banking API HighlightsBank of Ireland in the Open Banking API – UK – Open Data category takes the overall title this month with a CASC score of 9.73.HSBC in the Open Banking API – UK – Open Data category takes the overall title again in March with a median latency of 88 ms, down from 91 ms in February.B (bank) in the Open Banking API – UK – Production category takes the overall wooden spoon with a CASC score of 4.15.We take a good, hard look at just what went wrong with the Lloyds Group Open Banking Open Data API on 13 [...]

By |2021-04-15T13:41:45-07:00April 8th, 2021|Fintech, Monthly Report|0 Comments

Fintech API Ratings Summary: November 2020

Something of interestHSBC languishes at the bottom of the Open Banking – UK – Open Data category of Fintech APIs this month, as it so often does. The API has a 100% pass rate and is blisteringly fast. So why does it find itself in the Amber Zone?  It does have the highest percentage of outliers at 2.91%. The CASC score is all about consistency. And the HSBC API might be fast, but it is not consistently fast.If we look at the average latency in November for a couple of example endpoints we will see the issue. For the HSBC [...]

By |2020-12-16T06:25:09-08:00December 16th, 2020|Monthly Report, Fintech|0 Comments

Authentication in Open Banking APIs

Open Banking APIs are, by necessity, secure. In the United Kingdom, an entity wishing to make a call to a UK financial service provider must be a trusted TPP (Third Party Provider). The exact model is different in other geographies, but the fundamental idea is similar – the TPP will be given access to a certificate that proves who they are and credentials that allow for secure mutually authenticated communication between their servers and the institution they are connecting to. This all has to take place before an individual user can get to the authentication stage that we’re all familiar [...]

By |2020-11-20T10:25:48-08:00November 17th, 2020|Fintech|0 Comments

APIs and the U.S. 2020 Election

The big 2020 election in the USA is ending today! And even though not all of us are in the U.S., there’s a lot of interest all round the world.When the results start coming in, people are going to want accurate information fast. News providers like television channels and websites will be publishing the information about the winners and losers and the latest tallies of votes. But where do the news providers get their information from?Of course, in 2020, the most reliable way of getting information is programmatically via a REST API. So if you are a website, you can [...]

By |2020-11-03T08:36:23-08:00November 3rd, 2020|News, Government|0 Comments

API Performance Analysis: Hitting the Mainstream

Here at APImetrics, we've been at the cutting edge of API performance analysis for over four years now. So we tend to forget how far things have come in just a short period of time. This was brought home to me just today by a thought piece in Forbes on the API economy. This point in particular leapt straight off the screen at me: APIs have become so essential to businesses that 85% consider web APIs and API-based integration fundamental to their business strategy and continued success. Five years ago, we were still having conversations with our clients about why [...]

By |2020-07-09T14:15:46-07:00May 1st, 2019|News, Fintech, Opinion|0 Comments

Healthcare API Economy: Long Overdue

  This week, Don Rucker MD, the National Coordinator for Health IT, proposed a healthcare API economy. This is something that's long overdue, especially in the USA, and shadows the changes that the banking sector, and before that the telecommunications sectors have gone through. However, it has its own unique risks and challenges that need to be carefully considered as the move happens. If you build healthcare APIs they might not come One of the many challenges for the telecommunications sector was that they were slow to adopt the right technologies. The innovations they wanted to be part of ended [...]

By |2019-02-16T09:54:18-08:00February 16th, 2019|News, Enterprise IT, Opinion|0 Comments

APIs and the Cloud: An Impact Study

In their recent white paper, ThousandEyes concludes that all the clouds offer good choices from the perspective of network performance with solid backbones for data transfer. But that’s only part of the story. When we started with our unique multi-cloud approach, we assumed that there wouldn’t be much difference between different clouds when they’re used to call APIs. The fact is, they’re all VERY different. How we analyze performance Our product makes a series of calls to API endpoints. We use the same security (OAuth, OAuth+JWT, etc.) as a TPP (Third-Party Payment) provider or ASIP (Account Service Information) provider [...]

By |2018-11-15T09:50:42-08:00November 15th, 2018|News, Fintech, IT and Cloud, Opinion|0 Comments

Free Puppy!!! (AKA Free Software Is Rarely Free)

We do that! It really doesn’t matter what ‘that’ is. It could be API monitoring, it could be networking monitoring, it could be security services. It could be one of a dozen things. But the sales team for your infrastructure vendor is sure they do it or have a module for it, and they’ll do it for you for free as part of the large contract you’re signing with them. This offer of free software (or security or whatever) reminds me of two common problems. Problem one: the ‘free puppy problem’ Somebody gives you a free puppy. That’s great! You [...]

By |2020-07-07T09:31:58-07:00October 30th, 2018|Opinion, Enterprise IT, Fintech|0 Comments

Top of the APIs: Which CMA9 Bank Was Summer Champion 2018?

The APImetrics Insights CASC (Cloud API Service Consistency) score lets you know the performance and quality of an API at a glance. It also lets you instantly compare any API with any other API. Not all APIs are identically comparable, so the usefulness in comparing two APIs depends on the nature of the APIs. In the case of Open APIs for UK CMA9 Banks, we can make direct (or almost direct) comparisons. That's because each of the CMA9 banks exposes APIs that do exactly the same things – with two caveats: Some banks have more ATMs or branches than others The [...]

By |2018-10-23T12:15:31-07:00October 17th, 2018|API Update, Fintech, Monthly Report, News|0 Comments

Brought Low by a Humble Bug in the Google+ People API

I remember when Google+ was a thing. And then when it was a thing again. Both those periods were a long time ago. But it was still a shock to see that Google+ is soon to be shuttered for good – and to learn that it was brought low by a humble bug in the Google+ People API. We've said it before: you've got to keep on monitoring your APIs once they are in production. In the case of Google+, it looks as though the bug arose through Google+ People API's interaction with a change in the Google+ codebase. The [...]

By |2018-10-18T11:16:51-07:00October 17th, 2018|API Update, Enterprise IT, Opinion|0 Comments