End Users

Data Dictionary

Definition	Users of products and services that have been built using APIs.
Key characteristics of groupings	Individuals/households SMEs Sole traders Enterprises
Reference material	OBIE, European Commission
Platformable’s taxonomy model	We group all private consumers together as “individuals/households” following the broad category level defined by Open Banking Consumer Reports (Reynolds & Chidley) For business groupings, we use the European Commission’s definitions of sole trader, small and medium enterprises and large enterprises (https://ec.europa.eu/growth/smes/business-friendly-environment/sme-definition_en)
Key indicator(s) used in scorecards/ranking	Number of fintech operating per 1 million head of population (ranked into fifths), color-coded into RAG by ranking groups of fifths
How to analyse/calculate	By: Bank, country, region, global
How to display/visualise	Trends line over time Map of the world showing half circles for platforms and bars for products RAG Scorecard for ranking compared with global Bar chart (non-exclusive)
How to use in strategic analysis
How to use in equity analysis