This paper looks at the challenges of extending existing banking structures to accommodate the new demands of Digital platforms. Specifically, Open Banking and the additional capabilities that are essential to properly support a digital bank. This paper is intended for executive and leadership teams in banking organisations to understand what Open Banking might mean to them.


Observations and recommendations documented in this white paper are based on our opinions, experience, and research. They are as objective and representative as we can reasonably be, however Responsiv makes no representation as to accuracy or fitness for purpose. Once you have chosen a course of action, it should be thoroughly evaluated to ensure its fitness for purpose.

About Responsiv

Responsiv Solutions is a UK based company that specialises in delivering business integration across the enterprise, including API management, Business Process Automation, and Digital-SOA platforms. We work across many industries, including Retail, Financial Services, and Government.
Responsiv are able to provide fully commissioned solutions that include all the software and professional services needed to deliver an integration platform to support your business plan and grow with your business.

Richard Whyte

Richard Whyte

Richard Whyte has been building enterprise IT solutions for over 20 years. He is known for creating innovative practical solutions that provide a strong foundation for future development, whilst solving immediate problems. Previously the European CTO and Principal Architect for IBM Systems Middleware at IBM, he has an MBA, a degree in Statistics and Computing, is a Chartered Engineer, a Chartered IT Professional, and Fellow of both the Institute of Technology and the British Computer Society.