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APIs as the New Interchange: Innovation Toll or Open Banking Roadblock?
APIs as the New Interchange: Innovation Toll or Open Banking Roadblock?
JPMC is charging for APIs—should access to consumer data be a public good or a bank-owned asset?JPMorgan Chase’s move to charge for API access is reshaping the landscape of open banking in the U.S.
Join NYPAY and PayCLT for this live virtual debate in which industry leaders will take opposing sides on
whether API monetization is inevitable or antithetical to consumer data rights. The audience will vote
before and after the discussion to see which side changed more minds. Timed with the CFPB’s renewed
Section 1033 rulemaking and Plaid’s recent agreement to pay JPMC for access, this session explores how
monetization, regulation, and market power will define the next phase of open banking.
Will banks establish APIs as a new revenue stream—or will free access become a competitive
differentiator in a future shaped by agentic commerce and data-driven automation?
Agenda
November 24th, 2025
6:00 pm
Welcome
6:05 pm
Discussion Starts
7:00 Pm
Discussion Ends & Zoom Networking Session Begins
7:30 pm
Event Ends
Speakers
Meet Our Speakers
Mark Bechhofer
Co-Founder & Chief Commercial Officer, Quiltt
Deborah Baxley
Partner, PayGility Advisors; Board Member, NYPAY
Gary Stein
Managing Director, North American Payments Leadership, Accenture; former Consumer Financial Protection Bureau
Christienne Genaro
Board Member, NYPAY
Nick Rosenberg
Executive Vice President, Chief Business Development Officer at Metropolitan Commercial Bank
This Event is Free
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