Resilient Middleware and API-Driven Interoperable Platforms for Open Banking and Large-Scale Enterprise Integration
DOI:
https://doi.org/10.15662/IJRAI.2026.0902001Keywords:
Open Banking, Middleware Architecture, API Management, Enterprise Integration, Microservices, Resilience Engineering, Interoperability, Cloud-Native PlatformsAbstract
The rapid evolution of digital financial services and enterprise ecosystems has intensified the demand for interoperable, secure, and resilient integration platforms. Open banking initiatives, driven by regulatory frameworks and market competition, require financial institutions to expose standardized application programming interfaces (APIs) to third-party providers while maintaining strict security, compliance, and performance guarantees. Simultaneously, large-scale enterprises must integrate heterogeneous legacy systems, cloud-native applications, microservices, and external partner platforms. These dynamics necessitate robust middleware architectures capable of ensuring interoperability, fault tolerance, scalability, and governance.
This research proposes a comprehensive framework for resilient middleware and API-driven interoperable platforms tailored for open banking and enterprise integration scenarios. The architecture integrates service-oriented and event-driven paradigms, API gateways, service meshes, message brokers, identity and access management (IAM), and observability layers. It incorporates resilience patterns such as circuit breakers, bulkheads, retries, idempotency controls, and distributed tracing to ensure system stability under high-load and failure conditions.
The proposed model leverages cloud-native principles, container orchestration, and hybrid-cloud connectivity to support horizontal scalability and high availability. API lifecycle management—covering design, versioning, security enforcement, throttling, and monetization—is embedded within the middleware framework. Standards-based interoperability mechanisms such as RESTful APIs, OAuth 2.0 authorization, and JSON-based messaging enable seamless collaboration among banks, fintech firms, and enterprise partners.
A methodological evaluation framework assesses system resilience, latency, throughput, fault recovery time, compliance adherence, and scalability. Simulation results indicate that implementing resilient middleware patterns significantly reduces downtime, enhances transaction reliability, and improves integration efficiency across distributed enterprise environments.
The research concludes that resilient API-driven middleware platforms are foundational to sustainable open banking ecosystems and enterprise digital transformation. By combining architectural robustness, standardized interoperability, and adaptive scalability, organizations can enable secure data sharing, foster innovation, and maintain operational continuity in increasingly complex digital landscapes.
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