White Papers Archives

Monitoring the Untestable – A White Paper from APImetrics

APImetrics has just published Monitoring the Untestable, a new white paper that focuses on the Catch-22* at the heart of PSD2 and open banking: if you don’t actively monitor your production environment with synthetic transactions, you have no idea whether your bank’s APIs are truly compliant at any given moment. But banks are often reluctant (with good reason) to allow testing in the live environment. As we've said, to manage your APIs, you must monitor them. But if you are only passively monitoring your APIs, you are not monitoring them – which means you are not managing them. So, it's important to actively monitor [...]

2020-07-21T08:41:35-07:00By Paul Cray|Cloud, Enterprise IT, Fintech, IT and Cloud, News, Opinion, Sectors, Uncategorized, White Papers|

PSD2, APIs and Performance, and Quality Monitoring

PSD2 (Payment Services Directive 2) is about to revolutionize the provision of payment and banking services within the European Single Market. All banks will be mandated to expose APIs that allow authorized third parties secure access to account information for making payments and carrying out other kinds of banking and financial transactions. Banks will have to compete with a whole host of new entrants into the payment services markets. They include well-known global companies such as Amazon and PayPal, as well as highly innovative fintech startups. Because PSD2 is enabled through APIs, it will be vital for companies exposing [...]

2018-03-14T09:40:58-07:00By David O'Neill|White Papers, Fintech|

PSD1 (Payment Service Directive): Show Me The Money

The European Single Market came into being in the early 1990s, but was in many ways more of an aspiration than a process. It wasn't just that there were a lots of vested interests that didn't necessarily want to see all of the friction removed from trans-border transactions. There were also a lot of practical and emotional reasons why people might be reluctant to obtain goods and services from countries on the other side of the continent. This was particularly the case in payment and related financial services, which was why the EU introduced the first Payment Service Directive in [...]

2017-09-13T05:45:27-07:00By David O'Neill|White Papers, Fintech|

Defining a Quality Standard for SaaS and Cloud Services

The world is increasingly reliant on APIs to drive mobile apps, services and corporate operations. But how do you measure the quality of the APIs you use or depend on? APImetrics have been working on this problem for over 2 years, looking at the different factors that impact API and Cloud quality. And we came to realize that the classically used metrics don't really answer the question of actual quality of service. You need more than the server uptime or server-side response latency you're delivering or receiving from a supplier. To simplify this process, APImetrics have developed the CASC Score [...]

2017-04-11T11:34:50-07:00By David O'Neill|White Papers|

OAuth – The Standard That Isn’t

This White Paper is published jointly from APImetrics and OAuth.io - a copy can be downloaded from here. Please feel free to comment or contact us to ask questions.APImetrics, WA, USAand OAuth.io, USAThe idea behind OAuth is simple - a standard way to enable access to protected resources (like a social network), so a user can sign into a web service, and, via a secure exchange of tokens, an app or 3rd party can access that service. All happening without the developer ever seeing the user’s username or password. However, in reality, there is a lot of variation between implementations [...]

2020-07-15T13:46:18-07:00By David O'Neill|White Papers|