To evolve, banks are transforming their organizations into digital ecosystems by disaggregating highly specialized services to a variety of environments such as the cloud, on-premises, and software as a service. They also realize they must tap into the innovation that is happening around them by becoming digital platforms that serve the larger market through FinTech partnerships. Application Programming Interfaces (APIs) are the key to making that platform approach happen by bridging the boundaries inside and outside these traditional banking organizations.