The Banking Industry Architecture Network (bian) Is A Global, Not-for-profit Association Of Banks, Solution Providers, Consultancy Companies, Integrators And Academic Partners, With The Shared Aim Of Defining A Semantic Standard For The Banking Industry Covering All Banking Activity And Almost All Of The Well-known Architectural Layers. Bian's Reference Architecture For The Financial Industry Provides Its Users With A Set Of Building Blocks That, When Used In Different Combinations, Can Support All Of The Functionality And Information A Bank Needs For Both Its Internal Functioning And Its Collaboration With Partners In An Open Finance And Open Api Economy. Bian's Reference Architecture For The Financial Industry Is Freely Available On The Bian Website.