Salah Abu-Msameh
Founder & CEO, Digitinary
Founder of Digitinary, focused on digital transformation, APIs, and Open Banking / Finance across the region's financial and enterprise companies.
Articles by Salah Abu-Msameh
- The Silent Cost of Slow Partner Onboarding
Locking down developer portals to control partner onboarding feels safe, but it quietly costs institutions time, revenue, and partnerships. Here is a better way to balance security and access.
- API, API Gateway & API Management: The Difference Many Organizations Still Get Wrong
In many of our meetings, we still hear "API" used to mean the gateway, and "the gateway" used to mean the whole management strategy. Here is the difference between the three, and why it matters more than it sounds.
- Large Financial Institutions as an API Platform: Why the Shift Can't Wait
Most large financial institutions see only about 60% of their customers use them for the full relationship. Here is why the answer is not a better product, but becoming an API platform, and why agentic AI makes that shift urgent.
- Your Infrastructure Will Fail Your Open Banking (and BaaS) Project — And You Have Not Noticed Yet
Most Open Banking projects pass compliance on time by fixing the API layer. But the legacy middleware carrying that traffic underneath was never built for it. Here is why that gap gets expensive, and what the right architecture looks like.
- Beyond Compliance: Open Banking as a Real Strategic Opportunity
Most institutions ask how to comply with Open Banking. The more useful question is how to turn it into a competitive advantage. Here is what mature markets like the UK already show about the payoff of building the foundation early.
- The Hidden Bumps in Open Banking Implementation: From Compliance to Banking-as-a-Service
Becoming Open Banking compliant is not the finish line, it is where a bigger challenge starts. Here are the three hidden bumps institutions in the region keep hitting on the way to Banking-as-a-Service.
- Open Banking in the Region: Opportunity for Some, Burden for Others
Across our meetings with banks in the region, most still see Open Banking as a compliance task, not a growth platform. Here is what separates the banks leading this shift from the ones about to be left behind.
- Open Banking as a Compliance Checkbox: What It Really Costs Financial Institutions
Fintech is not competing with banks, it is built on top of them. Here is what a financial institution quietly loses when it treats Open Banking as a compliance requirement instead of a growth platform.