White paper
UK Open Banking API Performance 2021–2022
Independent measurement of regulated Open Banking APIs across UK institutions.
UK Open Banking regulation requires financial institutions to provide third-party access to customer account data through standardised APIs. Whether those APIs actually meet quality expectations is a question that requires independent measurement to answer.
This report covers API performance data across major UK Open Banking providers for 2021 and 2022 — availability rates, latency distributions, authentication reliability, and quality differences between legacy banks and cloud-native challengers.
It is an independent, data-driven reference for TPPs, regulators, and institutions benchmarking their own performance.
What you will learn
Availability and latency data across UK Open Banking institutions
Authentication reliability patterns in regulated API environments
Performance differences between legacy banks and cloud-native challengers
How UK Open Banking API quality trended across 2021 and 2022