BOOK
Open Banking gets talked about a lot.
Few understand its real structure.
And even fewer monetize it.
This book answers the questions financial executives have been asking for years without finding concrete answers.
THE THREE QUESTIONS
None of the three is answered by a trend.
How much does it cost to expose an API?
Is sharing financial information profitable?
How do you build a business model on data without breaching current regulation?
THE TWO FORMULAS
The book presents them. The portal runs them.
Chapter 4 develops them: Pt for the price of an API, Pi for the price of information, and the combined Pfinal = Pt + Pi. Each one has its open model here, with the calculator on top and the inputs editable.
THE CONTENTS
Seven chapters and sixteen annexes.
The annexes are half the argument: each one analyses a specific rule, with its statute number, country by country.
Introduction to Open Banking
Open Banking Regulation in Latin America
Five regulatory annexes: the Open Finance Law in Brazil, the Fintech Law (Law No. 21,521) of Chile, External Circular 004 of 2024 on Open Finance in Colombia, the Fintech Law in Mexico, and Bill 1584/2021 of Peru.
Enabling Technologies of Open Banking. APIs: Definition, Types, and Best Practices
Value Generation in the Financial Industry
This is where the formulas live: Pt for the price of an API, Pi for the price of information, and the combined Pfinal = Pt + Pi.
Impact on Non-Financial Sectors
Financial Inclusion and Open Banking
Three endpoint annexes: the Digital Account Creation Process, the Microcredit Creation Process and the Payment Solution Process.
The Future of Open Banking in Latin America: Trends and Opportunities
Eight data-protection annexes, one per country: Argentina, Brazil (LGPD), Chile (Law No. 19,628), Colombia (Law 1581 of 2012), Ecuador, Mexico, Peru (Law No. 29733) and Uruguay (Law No. 18,331).
THE TWO EDITIONS
Each language has its own.
Not one translation shipped inside the same file: two editions, each with its own ISBN and its own record.
| Edition | Published | Pages | ISBN | |
|---|---|---|---|---|
| EnglishKindle | May 2026 | 285 | 979-8196805851 | View the edition ↗ |
 SpanishKindle | April 2026 | 324 | 979-8254630692 | View the edition ↗ |
CLOSING THESIS
This is not a book about trends. It is a guide for decisions.
José Ñáñez · Strategy, technology and operating models in regulated industries.