There are different types of ecosystems: Imagine a tropical rainforest on one side of the spectrum and a structured English garden on the other. In one, you design and enforce rules – resulting in a predictable but also more constrained system. In the other, you let things emerge organically, resulting in a more prolific, but also more intricate and even chaotic system. When it comes to finances, people tend to prefer the English garden with its predictability and are willing to accept some rules and constraints.

Continue to read the full blog on How open banking ecosystems emerge.

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Open Banking Ecosystems: How they emerge

Also published on Medium.

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Matthias Biehl

As API strategist, Matthias helps clients discover their opportunities for innovation with APIs & ecosystems and turn them into actionable digital strategies. Based on his experience in leading large-scale API initiatives in both business and technology roles, he shares best practices and provides both strategic and practical guidance. He has stayed a techie at heart and at some point, got a Ph.D. Matthias publishes a blog at, is the author of several books on APIs, and regularly speaks at technology conferences.