Evolution of Open Banking and Open X

Modern banking maturity levels are considered as follows: 

Traditional Banking: Includes cores activities such as retail and private banking, corporate banking and investment banking. 

Digital Banking: Depending on a bank´s digital maturity, provides an omnichannel experience for the customers.

Open Banking: Corresponds to bank´s ability to leverage an ecosystem of third parties and interact with them using Application Programming Interfaces(APIs)

Open X: Relates to bank´s ability to leverage data and create a shared marketplace by effectively collaborating with FS and non-FS firms, resulting in a seamless experience for the customers

to read the full report click here 


  • Capgemini and Efma
  • Open Banking, Open X, FinTech

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