Host to host vs API bank integrations - api

Banks are now offering payments to be made via APIs and no longer needing to use their host-to-host (h2h) file transfer (connect direct or SFTP) integrations to make payments. The key benefit outlined is that it is a simpler way to integrate.
I am not familiar with host-to-host intergration effort but I wanted to understand how is this a benefit on the API method? as I understand for both the connectivity methods h2h or API there is still integration involved. Does this translate to less effort required in terms of integration with APIs and as a result less development resources required?

Host-to-Host and API method shared same principle, which is synchronize information between our ERP and Bank system. The difference is API method usually based on the call that we request to the bank in real-time (e.g. checking balance, request payment transfer, etc.).
While H2H will be based on batch of information sent between our ERP and Bank System within designated time (e.g. every 15 mins, or else). Both will have integration involved, but for API usually will have deeper integration compared to H2H in our past experience.

Related

Mulesoft best practices for API-led connectivity , is it okay to invoke System API directly from the client application(be it web/mobile)

The main reason for this question is to understand/reasons behind the best practices over the usage of system APIs. If the System API itself good enough to be serve the purpose of my client application, do we still need to write an experience API to invoke the system API indirectly, or break the rule, just invoke the system-API directly from the client application. As sometimes , it is overhead/numerous API calls over the network.
System API is to unlock or expose the system asset(back end data). Now, one could write the system API in such a way that it fetches the data from system database, does the required processing, for instance convert the table rows to JSON format and then does some enrichment & trimming of fields and expose it to the customer A. This is a course grained approach. Now, another customer B requires similar data but needs some fields that were already trimmed by you to serve Customer A who wanted only few fields of the many fields that you picked from System(database). You'll have to write a separate course grained API for Customer B.
Also, in the future if the backend SYSTEM is replaced with a new SYSTEM, one would have to re-write/update both the API's for each customer A and customer B.
This course grained approach would solve your problem each time, but architecturally having a fine grained approach of breaking down a large service into multiple layers of experience, process and system API's would enable re-use, reduce work effort, increase time to market, lower total cost of ownership and allow applying the required separate policies(Security, sla's etc) for each of the clients through experience API layer. You can now better scale your integration landscape.
A fine grained approach increases usage of resources such as network, diskspace(more logging) etc but its a trade-off to all the many advantages you get. Again, the decision to go with either of the approaches should align with the current circumstances of your ecosystem, so it all depends.

Mule API Led Connectivity Design Approaches for Experience API

As part of our journey towards API-led Connectivity, we have to group our resources (i.e. API endpoints) into multiple Mule applications for the experience APIs.
In order to have meaningful names for the Mule applications while maintaining the maximum re-usability, rather than associating the consumer names with the application names (which makes the experience API tightly coupled with the current application landscape), we propose to have Mule application names to reflect the essence of the business.
The list of the options are as follows. Which one do you think is more ideal? What approach have you used in your organization?
based on Channel/Consumer
A dedicated experience API for a consumer such as WEB, CRM, Mobile etc.
uri examples:
www.example.com/example-**web**-application/v1/
www.example.com/example-**crm**-application/v1/
www.example.com/example-**mobile**-application/v1/
Pro's: - applying channel specific policies is easier, management becomes easier, smaller outage window
Con's: - reusability reduces and chances of duplication of objects across api's increases
based on Business Domain
Company data model is used. Eg - Customer, Product, Payment etc.
uri examples:
www.example.com/example-**customers**-application/v1/
www.example.com/example-**products**-application/v1/
www.example.com/example-**payments**-application/v1/
Pro's: - promotes reusability, channel agnostic, same api can be used across different consumers.
Con's: management might get complex, larger outage window, multiple consumers might be impacted
based on Customer Journey
This approach is tied to the customer's lifecycle with the organization. Eg - Prospective Customer --> Lead --> Engage --> Payments --> Customer Retain
uri examples:
www.example.com/example-**prospect**-application/v1/
www.example.com/example-**lead**-application/v1/
www.example.com/example-**engage**-application/v1/
Pro's: channel agnostic, same api can be used across different consumers.
Con's: can get increasingly big and further breakdown might still be required
Thanks.
As far I understand your question; you would like to know what URIs to be using for the endpoints of the experience APIs, right?
Based on a recent blog entry from mulesoft (July 12 2017).
Experience APIs are:
Experience APIs are the means by which data can be
reconfigured so that it is most easily consumed by its intended
audience, all from a common data source, rather than setting up
separate point-to-point integrations for each channel. An Experience
API is usually created with API-first design principles where the API
is designed for the specific user experience in mind.
Based on the examples from MuleSoft and my understanding, the experience APIs are created for one given "experience"; web, virtual reality, mobile, etc...
You are trying to create an API for a given special experience to make the consumption of the API easy for this specific client.
According to my understanding the main goal on this level is not the re-usability. You focus on re-usability on the System API and Process API level, but the Experience APIs are supposed to make the life of the developers of the different clients easier by providing exactly the interface and data they need so they don't have to communicate directly with the system and process APIs, but they get a tailor-made API, suiting exactly their special needs.
Since the experience API is tailor-made for the special experience / channel / client-application; I think respresenting this in the URI is a good idea.

What is the difference between System API and Process Api

Kindly, can anyone differentiate between System api and Process api?
Please provide answer in Generic terms, as i am unable to find on internet.
A system api abstracts from an existing system. It talks to the system in the language of the system (e.g. SOAP, direct Java calls, SAP calls, etc.). To the outside world it offers a clean API (usually REST with http and json). When you do a good job implementing your system api, you can exchange your existing system with a different/new one without changing the api of your system api to the outside world: Just implement a new system api with different adapter logic.
A process api should talk REST on "both ends". It calls one or several system apis to do its job. The process api orchestrates different jobs.
When you need more information, do a search with "api led connectivity"
A System API is a layer you build on top of a system, which handles all system specific connection quirks and settings. It then exposes these resources and it's logic in a standard format (usualy REST but you're free to choose something else like SOAP) to the rest of your API's. Like Roger Butenuth states:
"When you do a good job implementing your system api, you can exchange
your existing system with a different/new one without changing the api
of your system api to the outside world: Just implement a new system
api with different adapter logic."
A process API is where you keep your logic and orchestration, it does not 'talk' to end systems directly but instead connects to system API's to get it's data.
A process API should idealy only talk REST on both sides and can aggegrate data from multiple systems.
An example of a complex process API would be an "items you've ordered" API which takes in a user id as it's input, then talks to the system API of a CRM system to get the id used by the "order history system API".
However this API might only return a list of orders without any article information besides an article id. So our Process API then enriches this list with Article information fetched from "article information system API" with the id from the list.
I know it's out of the scope of the question, but for the sake of completeness i'l shortly explain the third variant as well:
An Experience API can be seen as a doorway into your API network, every (type of) client has different information needs and can communicate in different protocols.
It is the Experience API's responsibility to provide ALL the information required by a client in a format they support.
This takes the responsibility away from a client to know where the information needs to be fetched from.
(Customer info from CRM, Order info from proprietary sys one, Article info from article DB)
This concept of design has as a bonus that if when for example, the mobile app your company is making, gets some new functionality which requires extra data.
You can update the "mobille app experience api", which would leave your "superexpensive IBM Experience api" unchanged. Cutting down on development costs as you don't need to implement any changes in your other api consumers which would be the case had you had only one api.
I think the main difference is where you are implementing business process and rules/logics.
System API, within the scope of your design, are atomic APIs which will be used to construct higher level API (experience APIs). Process API is the orchestration layer where you can use Mulesoft flows to implement business process or logic.
System APIs do the heavy lifting work of CRUD operations.
Process APIs focus on business logic
System API's are underlying all IT designs are center frameworks of records that are regularly not promptly accessible because of its many-sided quality and network concerns. APIs give a method for concealing that many-sided quality from the client while uncovering information and giving downstream protection from any interface changes or legitimization of those frameworks.
Process APIs exemplify the fundamental business forms that cooperate with source and target frameworks or channels through an arrangement of framework APIs. For instance, in a buy arrange process, there is some rationale that is regular crosswise over items, geologies and retail channels that can and ought to be refined into a solitary administration that would then be able to be called.
And you will get some more clarity from this article https://dzone.com/articles/api-the-backbone-of-the-software-industry-know-how
System API and Process API will be part of API led connectivity.
System API is like awrapper service to either a main data base or saas platform
Process API involves application logic to validate search or query parameters

Should I consider rate limiting my REST APIs?

I am in the process of creating a product where users can use both a mobile app and browser. The APIs are exposed as REST calls. As of now these REST APIs will not be called by any third party.
Should I consider rate limiting API calls?
Short answer, yes. There are libraries out there for doing it. But if the question is just whether or not it should be done, then IMHO yes.
I have done this for personal projects and for previous employer, its not that hard. Just yesterday a friend told me how he inadvertently brought down a 3rd party service his employer was using. He made his company's services faster which lead to more requests to the 3rd party service and brought it down. So his web services were rate limiting the 3rd party service by being slow. If the 3rd party service had rate limiting this would have been avoided.
Rate limiting is important to protect downstream resources, like DB's. If you do not protect these resources you might run into an unrecoverable outage due to a spike in traffic.
Its important that you prioritize the development and deployment of this compared to the other things your new product will require... e.g. might not be needed for versions 0.x.

API call request limit

I have been looking into various different APIs which can provide my the weather data I need in JSON format. A lot of these API's have certain limits such as: in order to get more requests per minute, you need to pay more money per month so that your app can make more API requests.
However, a lot of these API's also have free account which five you limited access to them.
So what I was thinking is, wouldn't it be possible for a developer to just make lots of different developer accounts with an API provider and then just make lots of different API keys?
That way, they wouldn't have to pay anything as they could stick with the free accounts. Whenever one of the API keys has reached the maximum daily request calls, the developer could just put a switch statement in their code which gets their software to use a different API key.
I see no reason why this wouldn't work from a technical point of view... but, is such a thing allowed?
Thanks, Dan.
This would technically be possible, and it happens.
It is also probably against the service's terms, a good reason for the service to ban all your sock puppet accounts, and perhaps even illegal.
If the service that offers the API has spent time and money implementing a per-developer limit for their API, they have almost certainly enforced that in their terms of service, and you would be wise to respect those.
(relevant xkcd)