The PSD2 directive has come into force and opened a new scenario of liberalization of the financial sector in Europe. In this new context, several protagonists take on a specific role in the relationship between banks, services providers, European regulatory institutions and customers.

Some weeks ago we took part in the World Open Banking Dialogue in London. There we heard first-hand how banks around the world are helping to consolidate the open banking concept, while we also had the opportunity to set out BBVA's vision of the phenomenon. 

We have interviewed one of the members of the winning team of the BBVA prize in the hackathon that took place at the South Summit 2018.

A large part of the user authentication protocols in the new digital age –both proprietary solutions in the hands of companies such as IBM or Oracle and open solutions like OpenID and OAuth 2.0– are based on application programming interfaces (APIs). 

Software professionals are a restless breed of Internet users, and conventional means of online communication, such as blogs, are rarely their favorite means of sharing concerns and insights. However, there are some excellent blogs out there on APIs, many of them on corporate sites. Below is a selection of the best blogs to keep up with all the latest regarding these software tools.  

Using an optimal credential or authentication system is vital to ensure the security of an application programming interface. OAuth 2.0 has become the basic security protocol for mobile APIs development and for providing credentials to launch native applications. The basic HTTP access authentication method does not guarantee the same level of security.

 How much does a 30 year old woman spend on restaurants, at which times and on which days of the week? What is the average bill for a meal in zip code 28100? If I close a road to traffic, will people's consumer habits change? What impact does a big event like World Pride have? Where do my buying customers come from? Where do they go? These are just some of the questions answered by PayStats.

Every day new international companies begin using APIs to improve their business and offer new services. We discuss the alliance between Dolby and Google Analytics APIs.

Slack, the communication platform for companies, integrates different services into a single messaging application, all thanks to its API. Any developer can use it to create a bot that responds to the user’s requests by means of a chat. It already has an army of these small programs and the family continues to grow.

In recent years, the United Kingdom has become one of the strongest supporters of open banking worldwide. It all started when HM Treasury decided to create a working group on this matter in 2015; then, one and half years ago, an entity was created to handle the transition; and, in January 13, 2018 standards were implemented and the UK is now at the forefront of open banking.