As the mobile money ecosystem has grown, it has shifted away from P2P into increasingly diverse use cases creating new revenue streams. As new industry verticals try to plug into the ecosystem, APIs can help accelerate integrations. However, direct integration with third parties is not yet the norm. To understand this gap, the Lab conducted research to explore the challenges and opportunities presented by partner integrations via Open APIs. This report covers commercial models, integration challenges and ways in which Open API strategies for seamless partner integrations can be improved.