APIs as the New Interchange: Innovation Toll or Open Banking Roadblock?

APIs as the New Interchange: Innovation Toll or Open Banking Roadblock?

JPMC is charging for APIs—should access to consumer data be treated as a public good or as a bank-owned asset?

JPMorgan Chase’s move to charge for API access is reshaping the U.S. open banking landscape.

Join NYPAY and PayCLT for this virtual debate, where industry leaders will take opposing sides on whether API monetization is inevitable or antithetical to consumer data rights. The audience will vote before and after the discussion to see which side changed more minds. Timed with the CFPB’s renewed Section 1033 rulemaking and Plaid’s recent agreement to pay JPMC for access, this session explores how monetization, regulation, and market power will define the next phase of open banking.

Will banks establish APIs as a new revenue stream—or will free access become a competitive differentiator in a future shaped by agentic commerce and data-driven automation?


Annual Sponsor
Lithic - https://www.lithic.com/

Event Sponsor
https://www.payclt.com/


Moderator
Deborah Baxley - Partner, PayGility Advisors; Board Member, NYPAY
  / deborahbaxley  


Speakers
Christienne Genaro, Board Member, NYPAY
  / christiennegenaro  

Nick Rosenberg
Executive Vice President, Chief Business Development Officer at Metropolitan Commercial Bank
  / nick-rosenberg-a2255a21  

Gary Stein
Managing Director, North American Payments Leadership, Accenture; former Consumer Financial Protection Bureau
  / gary-stein-7b7337  

Mark Bechhofer
Co-Founder & Chief Commercial Officer, Quiltt
  / markbechhofer