We know what you are thinking : “yet another article about APIs ?” So much has been said and written about the subject that it now seems commonplace. It's no secret that APIs (Application Programming Interfaces) enable the integration of disparate banking systems and services into unified platforms, whose components (microservices) can be added or replaced on the fly as the business grows and the latest innovations are introduced. Today, the majority of banking software uses APIs to exchange data internally and externally, yet this does not mean that banking processes are more efficient, flexible and highly secure.