API Openness vs Cybersecurity

Deploy API gateways and Zero Trust segmentation to satisfy open-banking access obligations while meeting NIS2 network security requirements simultaneously.

CyberTRIZ analysis · Banking contradiction OB001 · one of 8,235 worked contradictions published by CyberTRIZ.AI

Regulations

EU_NIS2 ISO_27001 MITRE_ATTACK OWASP_SAMM NIST_RMF

Business Context

Open Banking requires banks to expose secure APIs to external providers while protecting critical banking systems from unauthorized access and cyberattacks.

Banking TRIZ Resolution

Separate external API exposure from internal banking platforms using API gateways, Zero Trust architecture, network segmentation, and continuous threat monitoring.

Recommended Principles

Principle 24 - Intermediary

Principle 30 - Flexible Shells and Thin Films

Principle 39 - Inert Atmosphere

Expected Outcome

Stronger API security

Lower cyber risk

Safe Open Banking adoption

TRIZ principles applied

P24 IntermediaryP30 Flexible Shells and Thin FilmsP39 Inert Atmosphere

Controls that address this (22)

EU_NIS2-CTRL-001 - Daily safeguarding reconciliationoperational · critical priority · Daily reconciliation between safeguarded customer balances, core ledger balances and safeguarded bank accounts. Variances above EUR 100 must EU_NIS2-CTRL-002 - Critical ICT incident reportingoperational · critical priority · All major ICT incidents impacting payment services, customer data or availability must be classified within 4 hours and reported under DORA EU_NIS2-CTRL-003 - GDPR breach notification workflowoperational · critical priority · Personal data breaches must be assessed within 12 hours and reported to the Belgian DPA within 72 hours where risk to data subjects exists.