TPT #20 GIROAPI

In this episode, we host Jens Holeczek, the leader of the German giroAPI project to discuss this initiative and its differentiation from SPAA. The conversation explores the broader scope of giroAPI, its current status, and the commercial model that underpins it. We also compare the governance structures of giroAPI and SPAA, emphasizing the need for collaboration. The episode concludes with reflections on the future of these initiatives and the importance of their harmonization and convergence. giroAPI websites: https://www.giroapi.com & https://www.giroapi.de SPAA website: https://www.europeanpaymentscouncil.eu/what-we-do/other-schemes/sepa-payment-account-access SPAA podcast: https://youtu.be/-wwcKPXG3FY Chapters 00:00 Introduction to giroAPI 03:11 Differentiating giroAPI and SPAA 06:20 The Berlin Group involvement 09:09 Current Status of giroAPI 15:18 Commercial model of giroAPI 18:17 Fallback Remuneration 21:05 National vs European Approach 24:00 Governance differences 27:07 Final Thoughts and Future Directions