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The article focuses on operators can identify individuals using their personally identifiable information (PII) such as name, address, or date of birth and other identifiers. It mentions selling user data to third parties, or sending targeted ads and tracking tools, such as cookies, pixels, device and browser fingerprinting, application programming interfaces (APIs), and software development kits (SDKs). It also mentions need to raise consumer data privacy concerns.

The article provides updates on the financial technology (fintech) industry as of July 2016. Topics include part of the emerging banking application program interface (API) space that is being mapped out by the fintech community on the Fintech Genome, most active Insutech conversations on the Fintech Genome, and one of the largest underserved segments in the U.S.

In the article, the author discusses the opportunities for entrepreneurs in the blockchain economy as cited in the book "The Blockchain Economy." Also cited are the capital fundraising through initial coin offerings (ICO) in the Ethereum network, the impacts of blockchain in various markets, and the sharp decline in the cost of creating a minimum viable product (MVP) due to introduction of open application programming interfaces (API) and decentralised development teams.

There are now many ongoing efforts to develop low-cost, open-source, low-power sensors and datalogging solutions for environmental monitoring applications. Many of these have advanced to the point that high quality scientific measurements can be made using relatively inexpensive and increasingly off-the-shelf components. With the development of these innovative systems, however, comes the ability to generate large volumes of high-frequency monitoring data and the challenge of how to log, transmit, store, and share the resulting data. This paper describes a new web application that was designed to enable citizen scientists to stream sensor data from a network of Arduino-based dataloggers to a web-based Data Sharing Portal. This system enables registration of new sensor nodes through a Data Sharing Portal website. Once registered, any Internet connected data-logging device (e.g., connected via cellular or Wi-Fi) can then post data to the portal through a web service application programming interface (API). Data are stored in a back-end data store that implements Version 2 of the Observations Data Model (ODM2). Live data can then be viewed using multiple visualization tools, downloaded from the Data Sharing Portal in a simple text format, or accessed via WaterOneFlow web services for machine-to-machine data exchange. This system was built to support an emerging network of open-source, wireless water quality monitoring stations developed and deployed by the EnviroDIY community for do-it-yourself environmental science and monitoring, initially within the Delaware River Watershed. However, the architecture and components of the ODM2 Data Sharing Portal are generic, open-source, and could be deployed for use with any Internet connected device capable of making measurements and formulating an HTTP POST request. [ABSTRACT FROM AUTHOR]

In the article, the author discusses updates in the banking industry, particularly the proposed open banking system. Also cited are the Accenture report on open banking, how open banking could increase by 10 times the number of application programming interfaces (API) and the move by DBS Singapore to open its API to become the biggest bank API platform.

The article features Insurtech Asia Association founder George Kesselman and his startup company Anapi, which aims to build the future of the insurance industry. Also cited are Kesselman's brief career history including his work with insurance firms Prudential Plc, AXA and AIG, and Anapi's efforts to develop an application programming interface (API)-first insurance technology (InsurTech) that will cater to digital ecosystems.

In the article, the author discusses the expanded application programming interface (API) of Clearcover and the power of incidental insurance. Also cited is his conversation with Clearcover chief executive officer (CEO) Kyle Nakatsuji discussing topics like his career trajectory, his co-founding of the firm American Family Ventures, and insurance technology (InsurTech) in the insurance industry.

In the article, the author discusses developments in the banking industry, particularly on the open banking movement to compel banks to relinquish their ownership of data. Also cited are the move by banks to open up their application programming interfaces (API), the use of technologies like machine learning and predictive analytics in proprietary intelligence, and the efforts by the Competitions and Market Authority (CMA) to compel banks to open up their customer data.

The author offers insights on the launch of the FintechRevolution application programming interface (API) ecosystem, a consortium of companies that support and connect developers with financial APIs, by Xignite. Topics discussed include its open API offering, the concept of API program in foreign exchange trading, and the distinction between private and open APIs.

The article presents an update on the financial technology (fintech) industry as of November 8, 2019. It mentions the potential of stablecoins as a store of value and as a means of payment. The year-on-year growth of business-to-business (B2B) fintech company Square for the second quarter declined to 25%. The importance of open banking regulation, better application program interface (API) product, and use of data to create services for consumers to innovate banking is emphasized.

The article discusses a digital publishing symposium sponsored by the software company Adobe Systems held in New York City in May 2014. Topics discussed include enhancement to Adobe's Digital Publishing Suite (DPS) software, integration of DPS with Salesforce.com, a cloud-based customer relationship management program, and designing an application program interface (API) to enable DPS to interface with a range of customer relationship management programs.

The article offers insights on establishing a full stack bank without a license or a core system. Topics discussed include offering a mobile wallet that can accept and make payments like a checking and a current account, entering into a partnership with a payment bank licensee, and obtaining access to lending marketplaces through their application program interface (API).

The article focuses on opening up access to bank data sets. Topics discussed include the need of Australia to embrace Open Data and Open application program interfaces (APIs), Midata as an example of a government led initiative that empowers financial literacy and will drive competition in the most basic of all banking services, and how Australia's largest banks National Australia Bank and Westpac Banking Group made the investment.

The article offers information on wiki on Fintech Genome which features chronological story on banking application program interface (API).

In the article, the author discusses updates in insurance technology (InsurTech), particularly the operation of startup firm Root Insurance and the use of open application programming interfaces (API) to unbundle insurance stack. Other topics include developments in reinsurance, and the three layers of auto insurance stack.

In the article, the author discusses updates on open and private application programming interfaces (API) in the banking industry. Also cited are the private API introduced by Deutsche Bank, the support by Mastercard to blockchain research by software developers, and the data API used by U.S. mutual funds and exchange traded funds (ETF).

In the article, the author discusses updates in the adoption of open application programming interfaces (API) in the financial services industry, particularly in the wealth technology (WealthTech) segment. Also cited are the activities in the financial, payments and electronic commerce (e-commerce) categories, and the operation of companies like Saxo Bank and financial technology (fintech) firms like Addepar.

The article discusses some progress made in Australia to get Application Programming Interfaces (API) from a major institution made publicly accessible to the fintech community. Topics covered include the National Australia Bank's (NAB) of APIs for fintech startups, a plan by the Productivity Commission increase customer access to data, and an announcement by Starling Bank that it was opening the doors on open banking.

In the article, the author discusses updates in the financial services industry, particularly the developments in application programming interfaces (API) for financial planning and advice. Also cited are the API of planning and advice technology provider Evalue, and the move by the British Financial Conduct Authority (FCA) to change the definition of regulated advice to fight poor sales practices.

In the article, the author presents updates on the business model in the financial services industry. Also cited are the shift to a horizontal stack from a vertical stack in areas like payments, trade finance, foreign exchange and wealth management, the developments in application programming interfaces (API), and the operation of mega and smaller banks.

The author examines the release of an open banking readiness index by Finastra. Topics discussed include the performance of the banking industry in Asia, the dominance of DBS in two dimensions set up by Finastra for open banking readiness assessment, the criteria to enlist into the index, and the need for standardization across application programming interfaces.

The author offers insights on application programming interface (API) innovation in the banking industry in the emerging and frontier markets. Topics discussed the common knowledge that innovation flowed from the West to the rest of the world, a partnership built by Yodlee with an API marketplace in South Africa called Limitless Technology, and the focus of the Monetary Authority of Singapore on API innovation.

The author focuses on the financial technology (fintech) companies that belong to the 2012 Y Combinator Accelerator batch of bitcoin firm Coinbase. The significance of the success of Y Combinator companies to the fintech industry is emphasized. He points out his previous speculation that Coinbase will be successful in a bitcoin application programming interface (API). Among the firms in the 2012 batch that included Coinbase are crowdfunding firm Crowdtilt and health insurance Eligible.

The author examines the impact of Open Application Programming Interface (API) on finance. Topics discussed include the concept of Open APIs, the usefulness of the services exposed by Open APIs, the impact of API on software development, and the development and maintenance costs associated with APIs.

The author reflects on the trend in software as a service (Saas) models for banking and re-bundling in 2019. There was an increase in Saas model adoption and application program interface (API). It emphasizes the need to consider if a Saas cloud offering improves the ability to offer advice. Also noted is the investment of Tencent in the startup Truelayer that leverages API with the payment services directive (PSD2) and open banking regulatory frameworks in Europe.

The article focuses on the role of insurance technology (insurtech) in sector growth in United Arab Emirates in 2019. According to Oasis Insurance Group founder and owner Sridhar Subbaraman, true penetration of insurtech concerning sales and distribution occurred in 2019 through the firm. Oasis Insurance believes that the use of application program interface (API) will allow ease of connections with legacy systems. Also cited is the creation of financial technology sandboxes in the country.

The article presents an update on the financial technology (fintech) industry as of August 23, 2019. It mentions the changes in the stance of central banks about digital currencies. Also noted is the fintech trend in re-bundling using application program interface (API) based relationships. It cites the emergence of the early wage access (EWA) fintech market.

The article presents an update on the financial technology (fintech) industry as of October 4, 2019. It mentions the lack of action of the U.S. to efforts to undermine the reserve-currency status of the dollar. The digital asset class was affected by the liquidity of the U.S. dollar. The major banks in Australia are planning to release product application program interface (API) publicly. The customer perspective on the topics discussed at InsurTech Connect (ITC) 2019 is said to be lacking.

The article looks at the adoption of application program interface (API) by asset managers in the securities industry in 2019. Twenty-two API for client asset managers were released by BNP Paribas Securities Services in September. Also noted are the benefits of data streamed in the first API of BNY Melon and plans of RBC Investor and Treasury Services to develop API for the post-trade process. It emphasizes the need for a business model that will encourage the industry to scale API development.

The article examines the approach of the Sidetree protocol to decentralized identity. It mentions the focus of the protocol on creating scalable decentralized public key infrastructure (DPKI) networks. It cites the inability of large technology companies to control the protocol due to its open source nature. Also noted is the need for a representational state transfer (REST) application program interface (API) for application developers to create chain-specific adapters to profit from Sidetree.

The author features the financial services company Stripe and its Stripe Treasury banking as a service (Baas) offering for Internet businesses. Founders John and Patrick Collison revealed that they do not intend to seek a banking license. It mentions the partnership of Stripe with Goldman Sachs and Evolve Bank for the Stripe Treasury application programming interface (API). Majority of companies using Stripe are small firms.

The article presents an update on the financial technology (fintech) industry as of December 11, 2020. Financial historian Niall Ferguson points out the dominance of bitcoin in the Covid-19 monetary revolution in an article. It mentions an increase in public interest in the Stripe Treasury banking-as-a-service application programming interface (API) offering. Also noted is the end of the annual review sessions of business and technology teams.

The article discusses the lessons presented by the banking-as-a-service strategy (BaaS) to the insurance-as-a-service (IaaS) approach to the ecosystem opportunity in the insurance industry in 2021. It explains the importance of platform and BaaS to open banking strategies. Among the services offered by BaaS platforms are application programming interface (API), industry adaptations, and standardized product templates. The necessity for operational process integration in IaaS success is noted.

The article reports that the integration with applications sitting behind corporate firewalls is being planned by New York-based IntraLinks Inc. through its broadened adoptability which is based on application programming interfaces (APIs). A major customer segment for IntraLinks is represented by financial services firms. The independent provision of virtual data rooms is being led by IntraLinks.

The article offers information related to digital publishing as of December 14, 2015. Topics discussed include the registration opening of the Digital Public Library of America (DPLA) for the DPLAfest 2016, the DPLA webinar on the Application Programming Interface (API) on February 11, 2016, and the partnership of EBSCO Information Services and Worldreader to bring nonfiction content to children and their families in sub-Saharan Africa and India.

The article emphasizes the significance of emergent financial technology (fintech) to banks. The role of application program interface (API) and the programmable web in the ability of emergent fintech startup companies to generate network effects is mentioned. Also noted are the competitive advantages of banks in creating an integrated financing plan for consumers. The need for banks to build a user experience that integrates various services is cited.

In the article, the author discusses technological updates in the banking industry, particularly on the adoption of open application programming interfaces (API). Also cited are the move by governments worldwide to urge banks to make customer data available to third parties, and the initiatives by banks like ASB Bank and CBW Bank.

The article offers news briefs in the global financial technology (fintech) sector. Among the topics are the launching by equity crowdfunding player Crowd Valley of a digital back office and open application programming interface (API) for online investing and lending applications, the proposed tax on robots, and the move by the Australian government to ease the requirements for new banks.

The author presents an analysis of the global financial technology market for the week ended November 13, 2016. Topics discussed include open application programming intefaces (API) for financial services, the investment of banks in open API hubs, communication with the use of open APIs by Root Insurance.

The article focuses on the trend in bank application program interface (API) in 2015. Fidor Bank entered into a partnership with the German bitcoin marketplace to enable customers to send and receive bitcoin payments directly from bank account to another bank account. The companies offering bank services as an API are Figo and the Open Bank Project. Also noted is the emergence of the API as a standard growth strategy for consumer-facing ventures.

The article focuses on the significance of the license as a service model introduced by Fidor Bank in Germany in 2014. The significance of the status of Fidor as a regulated bank to its expansion in Europe and other countries is noted. It mentions the use of application program interface (API) by the bank to offer all its capabilities. The API is expected to benefit other financial technology (fintech) ventures.

The article features the small and medium enterprise (SME) financial technology (fintech) companies who received remediation fund from the Royal Bank of Scotland (RBS) in June 2019. The remediation funding scheme of RBS was created in response to the financial crisis. It describes the payments-as-a-service operation of Form3 that aims to address payment gaps in the loans of businesses. Also cited are the advantages of the application program interface (API) of Codat.

The article reports on the launch of an application program interface (API) that aggregates the first Product API available from major Australian banks by technology company Adatree in October 2019. The first Open Banking application program interface (API) released publicly by the banks conform to the API standards built by Data61. It mentions the appeal of data provided by the Adatree API to those who are seeking access to real-time insights on banking data.

The article focuses on the decision to make the Bud open banking application program interface (API) aggregation and insights platform available to financial technology (fintech) small and medium enterprises (SME) in Australia in 2019. Among the investors in Bud are ANZ, HSBC and Goldman Sachs. The platform allows SME to streamline their access to open banking services. Also noted is the utility switching journey service offered by Bud.

The article reports on the 9.3-million-euro funding raised by small and medium enterprise (SME) lending marketplace Funding Xchange in November 2019. The round of funding was led by Downing Ventures and Gresham House Ventures. It cites the significance of the integration of Funding Xchange with financial technology (fintech) lender iwoca. Also mentioned is the benefit of application program interface (API)-enabled acquisition compared with direct acquisition.

The article presents an update related to extensible business reporting language (XBRL) as of July 2020. The U.S. Federal Deposit Insurance Corp. is planning to remove quarterly bank reports. The use of XBRL reports in explainable artificial intelligence (AI) for bankruptcy prediction was demonstrated at the Eurofiling Innovation Day. Calcbech application program interface (API) will make Earnings Press Release and 8-K forms available several minutes after publication.

The article offers an outlook for the rebundling phase of equity crowdfunding and its effect on the financial technology (fintech) industry. It describes the processes involved in unbundling and rebundling innovation to offer a better customer experience. Banks are expected to face competition from those who use application programming interface (API). According to the author, the full effect of equity crowdfunding will be evident from 2025 to 2030.

The article discusses various developments associated with the financial technology industry. Topics discussed include fintechs that enable integrations via Application Program Interfaces, fintechs offerings on open-source technologies for developing integration enablers to work with other Fintech and with tech companies embedding financial offerings. It is also noted that the cost of serving a customer at Webank is as low as 50 cents due to use of open-source technology.