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Banking on APIs

June 16, 2023

In 1992, I wrote a paper on the future of application development for Lloyds Bank. My paper described a vision of “end user development” to maximise flexibility and reduce cost of development. In this paper I called for the bank to:

  1. Develop more tools and less applications.
  2. Data access to be separated from applications.
  3. Create applications from services (that returned data or screens).

The first point argued that first we should write “tools” not solutions. For example, we had a standard letters application for generating customer communication; however, this solution was written for specific letter types and didn’t have the concept of templates meaning that new code was written for additional letters.

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