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The acronym for 'Application Programming Interface', which is a set of protocols and tools for integrating different software applications with each other.
API-based technologies that allow customers to access banking services through other applications are commonly referred to as Open Banking.
The process of verifying the identity of a user or company (referred to as identity verification or identity authentication).
Automated investment services, such as robo-advisors, that use algorithms to manage investments on behalf of users, often offered via digital investment platforms or digital wealth management services.
To establish a bank, a legally recognized banking license is required. There are various preliminary requirements for obtaining a banking license, ranging from minimum capital requirements to an extensive business plan. These requirements vary depending on the jurisdiction in which the business operates.
Products and services offered by banks, including current accounts, credit cards, loans, and investments.
A business model that allows third-party companies to offer banking services using a bank's infrastructure, commonly referred to as Banking as a Service (BaaS).
Company that holds stakes in various financial institutions.
A graphical representation of market price movements in technical analysis.
The management of a company's cash flows, commonly referred to as cash flow management.
A digital financial institution that challenges traditional banks by offering innovative and flexible services is commonly referred to as a digital bank or challenger bank.
A set of rules, processes, and behaviors that guide the management and operation of banking and fintech companies.
The practice of analyzing large amounts of data to identify patterns and trends, used for making informed decisions.
A decentralized financial system that uses blockchain technologies to enable financial transactions between users, without the need for intermediaries.
The process of using digital technologies to provide banking services.
A digital representation that identifies an individual online, such as name, address, and password.
A platform that connects users, businesses, service providers, and financial infrastructure into one coordinated operating environment.
The integration of financial services such as cards, accounts, payments, or wallet features into non-bank applications and platforms.
Government-issued money such as USD, SGD, or MYR that is used as legal tender and is not backed by a physical commodity.
The use of technology to improve, automate, or expand financial services for consumers, businesses, and platforms.
A technology layer that helps route payment requests between merchants, platforms, processors, and service providers.
The process of moving and reconciling funds across markets, currencies, or partners after payment activity has occurred.
A wallet experience where parts of the technical infrastructure are managed by a service provider on behalf of a user or business.
A payment flow that combines digital assets, fiat currency, cards, accounts, or partner rails to support real-world transaction needs.
The process of confirming a user's or business's identity before allowing access to financial products or regulated services.
The process of providing payment cards or card-related services through licensed issuers and approved program structures.
The process of designing the steps a user takes through onboarding, verification, payment, wallet, or card experiences.
The legal territory where financial services are offered, regulated, reviewed, or restricted based on local rules.
A compliance process used to verify a company, its ownership, business activity, and eligibility for financial services.
A compliance process used to verify an individual's identity before providing access to financial products or transaction services.
A record of balances, transactions, and account activity used to track movement of funds or digital assets.
The availability of funds or assets that can be converted or moved efficiently within supported transaction flows.
A business that accepts payments for goods or services through online, offline, card, wallet, or account-based channels.
An account or wallet feature that supports holding, displaying, or transacting in more than one currency where available.
A connected group of issuers, processors, partners, platforms, and payment providers that support transaction acceptance and routing.
A wallet model where users control their own private keys and remain responsible for asset access and security.
A supported process for converting digital assets into fiat value through approved service providers and compliance checks.
A supported process for converting fiat value into digital assets through integrated payment methods and service providers.
A payment-focused financial ecosystem that connects digital assets, wallets, cards, accounts, and real-world payment utility.
The infrastructure or network used to move money between parties, such as card networks, bank transfers, or partner settlement systems.
A payment method where a user scans a QR code to initiate a supported wallet, bank, or payment app transaction.
An estimated rate, fee, or price shown before a conversion, transaction, or service application is confirmed.
A conversion bridge between fiat currency and digital assets, commonly split into on-ramp and off-ramp flows.
The transfer of money from one person, business, or country to another, often across borders.
The completion stage of a transaction where funds are moved, confirmed, and recorded between participating parties.
A digital asset designed to maintain a relatively stable value, often by referencing fiat currency or other reserve assets.
A digital representation of value, access, or utility that can exist on a blockchain or digital asset network.
The management of company funds, liquidity, balances, settlements, and financial operations across accounts or platforms.
The assessment of a user, business, or partner before approving access to a financial product, service, or program.
The practical use of a financial product or digital asset, such as payments, transfers, card spending, or settlement.
An account-like service that may support receiving, identifying, or managing funds through approved banking partners where available.
A digital payment card that can be used for supported online transactions without requiring a physical card.
A digital tool that helps users view, manage, store, or move supported balances, assets, and payment methods.
A business model where wallet infrastructure is provided to companies so they can launch wallet-related features more efficiently.
A cross-border payment flow that moves value between countries, currencies, partners, or financial networks.
A structured data format sometimes used by financial systems to exchange payment, reporting, or settlement information.
The total transaction or payment volume recorded from the beginning of the year up to the current reporting date.
The return generated from a financial product or asset, subject to product structure, risk, and regulatory requirements.
A security approach where every access request is verified continuously instead of being trusted by default.
A cryptographic method that can prove information is valid without revealing the underlying information itself.
