Open data and API commitments. Commitments, not self-scores.
The 2024 ABA Core Platforms Survey scored core providers on 19 attributes and 13 contract provisions. Providers rated their own effectiveness 4.31 out of 5; the 780 bankers who answered rated them 2.78. The lowest-scored items are below — and beside each is what A8 Core™ commits to in its standard agreement, and how the platform evidences it.
What bankers asked for, and what we commit to
Scores are the survey’s; the commitments are ours.
| What bankers asked for | Bankers’ score (1–5) | A8 Core™ commits to | How it is evidenced |
|---|---|---|---|
| Reasonable pricing for API usage and access | 2.43 | Usage-metered pricing — no per-seat charges; examiner read access at no charge | Metering events in the event catalog; the invoice reconciles to them |
| Reasonable cost estimates for historical data | 2.44 | Historical data at cost | A published rate card for data extracts; the same export job that serves deconversion |
| Complete, public API documentation | 2.58 | Complete public API documentation | The API reference and OpenAPI description are public; undocumented endpoints do not ship |
| Easy integration with third-party providers | 2.51 | Named integration patterns; no exclusivity or best-of-breed penalty | The Integration Exchange lists every pattern with its status; contracts contain no exclusivity clause |
| Support for real-time processing | 2.90 (importance 4.21) | Real-time by architecture, not batch windows | Postings, states and events are emitted as they happen; there is no end-of-day batch to wait for |
| Deconversion fees reasonably priced | 2.75 agreement | Published deconversion and data-export schedule — your data is yours | The export schedule and format are published before signature; the export job is the same one used every night |
| Standardized, routine SLA reporting | 2.98 agreement | Standardized SLA reporting, routinely delivered, with B5 Secure™ evidence | SLA reports are generated from the evidence ledger, not typed; every figure is verifiable offline |
| Contract terms that respect the bank | — | Coterminous contracts; termination fees stated and prorated down; affirms the ABA Principles for Strong Bank–Core Provider Relationships | The provisions are in the standard agreement, not negotiated exceptions |
Source: 2024 ABA Core Platforms Survey (780 banker respondents). Demonstration and reference; agreement terms govern.
Why commitments rather than scores
The self-rating gap
When providers score themselves a point and a half above their customers, another self-assessment is worthless. A contract term is not.
Evidenced, not asserted
Every commitment maps to something the platform produces — metering events, an export job, an SLA report from the evidence ledger — so compliance with the term is measurable.
The same terms for everyone
These are provisions of the standard agreement, offered to every institution, not exceptions negotiated by the largest.
Status. These commitments are Foundation: contract terms A8 Core™ offers to every institution, not product features and not a self-assessment. They apply on execution of an agreement; agreement terms govern. Nothing on this page is a claim of current availability — see product status.
Frequently asked questions
Short answers, with the status stated.
Are these features or contract terms?
Contract terms. Each commitment is a provision of the standard agreement; the platform is built so each can be evidenced, but the obligation is contractual.
What does “usage-metered, no per-seat” mean in practice?
You pay for what the platform does — accounts, operations, data — not for how many people log in. Examiners read at no charge.
How is an SLA report different from a status page?
A status page says what is up now; an SLA report says what happened over the period, computed from evidence records that a third party can verify offline. Ours are generated from B5 Secure™ evidence, on a schedule, without editing.
Where do these commitments come from?
From the 2024 ABA Core Platforms Survey, which scored providers on 19 attributes and 13 contract provisions and found providers rating themselves 4.31 while bankers rated them 2.78. The lowest-scored items became commitments rather than scores.
Ask for the agreement, not a scorecard.
We will walk through each commitment against your current contract.