The document presents the 9th Report on IT Architectures in Banks, focusing on Open Banking and its implications in the banking sector. It analyzes future scenarios for Open Banking, the business drivers, organizational and architectural levers. The impact of the PSD2 Directive and the opportunity for a cultural transformation within banks are discussed. Various use cases and concrete examples of banks adopting innovative solutions through APIs and integrations with third parties are presented. Finally, the report includes a decision tree to support strategic decisions regarding the implementation of Open Banking.
