BBVA has open banking APIs available across multiple countries: - BBVA API Market in Spain allows third parties to access accounts, payments, loans and other services. - In the US, BBVA offers a Banking-as-a-Service platform called Open Platform that allows white label integration of payments and banking services. - Other countries with BBVA APIs include Mexico, Turkey, and Spain. BBVA learns lessons from running API marketplaces including the need for continuous delivery, lambdas warmups, and adopting a DevOps philosophy. Governance is also important to consider for security, performance, compliance and costs.