@Tem (optemization.com) I can speak on API for banking/paying/subscriptions — I built a company around the time Stripe came out (more or less doing the same thing) but did not take it to market as we used it internally in another company. The complexities inside banking/ACH/creditcards is insane. Honestly, it’s the definition of insanity. Banks and cards are very difficult to work with because their tech is absolute shit. So APIs that make that easy… very valuable. (Happy to share more of my experience there, just DM me)
I don’t think the finance/fintech note is exclusive or even a bias. It’s more business as a whole. Consumers rather use interfaces, so I would be comfortable drawing the line of a bias towards businesses. API tools are all about ease of use: providing a better UX than dealing with the terrible tech underneath it. Think of API’s as more access to information than a programming interface. If you are intereseted in building an API as a business I have a friend, Travis, that would love to chat more building the company Saasify.sh who has a lot of experience in this topic.