61 a new dynamic approach .
In a very real way , the APIs that banks create represent their brands as much as their mobile apps or even brick-andmortar branches do . APIs are the way their brands will interact with third parties and in many cases , the way the end user will experience the bank ’ s services . If its API programme doesn ’ t continue a legacy of trust , a bank is likely to face significant challenges .
Crucially , legacy banks need to stop relying on historic loyalty and support from their customers to ensure their continued success . The time to accelerate is now : millennials are already beginning to challenge the accepted wisdom of banking in-branch – and who is to say that by the time the next generation comes around that this will still be accepted wisdom ?
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