This Landscape Report could also be called Bank APIs. I like the name Programmable Bank because it resonates with Programmable Web.  It implies a Mashup approach to system development. This is fundamentally different to the huge, multi year core banking enterprise system development of the past. This is a big enabler for digital only Challenger Banks and for any consumer-facing Fintech ventures. I have already covered Fidor because their combination of Challenger Bank plus API is revolutionary. This is what could be called Banking As A Service. Fidor is making waves again today with their announcement that Fidor:

http://bankinnovation.net/2015/02/fintech-1000-landscape-report-programmable-bank/