The unbundling of financial services has been much discussed in FinTech circles – customers turning to apps for services, like Paypal for payments and Personal Capital for wealth management. Trends show that in the year ahead, rebundling will begin much like the media and commerce sectors. As a result, individual banking transactions will become interwoven in the fabric of our daily lives, and banks will become the anchors that encourage partnerships with startups, foster cross-industry initiatives, and facilitate exchange directly with and among consumers.

Creating an innovation platform and transforming core banking systems will be paramount to enabling this, and APIs will continue to power growth for some of the world’s leading startups.