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A bank is a financial institution that accepts deposits from the public and creates a demand deposit while Banks offer many different channels to access their banking and other services: -sized enterprises. The bank spent more than two years phasing out screen scraping and migrating companies to the API, which also happened in phases depending on when the bank signed data-sharing agreements. Customers using a third-party app that needs access to Chase will log in and authenticate themselves directly with the bank. ComputerWeekly : IT for financial services Ivanti turns to Cloud Distribution to go two-tier. The concept of channeled surface flow, however, remains central to the definition. 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