[crowcroft]

> The future doesn’t look like an API, it looks like better and better files.

Would be curious what the author thinks of initiatives like Open Banking, which don't seem to be a big topic in the US, but are in the EU and Canada at the moment.

My expectation is that banks should be abstracting away the 'under the hood' part, and so the future would look like an API.

[svapnil]

Open Banking imo === the ISO20022 standard. It already is an "API," just in a format that most web developers aren't used to