API Flexibility vs Standard Governance
Standardise core APIs with configurable optional services to satisfy COBIT governance principles while accommodating diverse fintech partner requirements.
CyberTRIZ analysis · Banking contradiction OB021 · one of 8,235 worked contradictions published by CyberTRIZ.AI
Regulations
Business Context
Different fintech providers require different API capabilities, while banks seek standardized governance and simplified maintenance.
Banking TRIZ Resolution
Offer standardized core APIs with configurable optional services instead of developing completely customized interfaces for every partner.
Recommended Principles
Principle 1 - Segmentation
Principle 6 - Universality
Principle 40 - Composite Materials
Expected Outcome
Better flexibility
Easier maintenance
Lower development effort
TRIZ principles applied
P1 SegmentationP6 UniversalityP40 Composite Materials