specification: FinOps Framework
specificationVersion: '1.0'
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
provider: Heartland Financial USA
providerId: heartland-financial-usa
publisherName: UMB Financial Corporation (acquired Heartland Financial USA)
serviceCategory: Banking / Financial Services
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified_note: >-
  2026-09-14 reconciliation — removed the fabricated api.htlf.com service reference. HTLF was
  fully absorbed into UMB Financial (acquisition closed 2025-01-31, brand conversion completed
  October 2025) and publishes no API, so there is no billing surface to align to FOCUS. This
  file is retained as a historical stub and asserts no HTLF pricing.
modified: '2026-05-05'
reconciled: false
tags:
  - Banking
  - Financial Services
  - FinOps
  - FOCUS
notes: HTLF was acquired by UMB Financial Corporation; no public API pricing or invoice surface exists.
  FinOps for any HTLF / UMB integration is governed by a bilateral partner contract. Meters and billing
  model are placeholders; consumers should align FinOps to the actual invoice line items in their
  executed agreement.
description: 'FOCUS-aligned FinOps stub for Heartland Financial USA. No public billing surface exists;
  fees are bilateral and bank-grade.'
sources:
  - https://www.umb.com/
billingModel:
  pricingCategory: Bilateral / Negotiated
  billingFrequency: Per Agreement
  billingCurrency: USD
  chargeCategories:
    - Purchase
    - Usage
    - Adjustment
focusColumns:
  ServiceName: Heartland Financial USA
  ServiceCategory: Banking / Financial Services
  ProviderName: Heartland Financial USA
  PublisherName: UMB Financial Corporation
  InvoiceIssuerName: UMB Financial Corporation
  PricingCategory: Bilateral
  PricingUnit: varies
  BillingCurrency: USD
  ChargeCategory: Usage
principles:
  - name: Visibility
    description: Use the executed partner agreement's reporting and reconciliation schedule to track
      consumption and fees. No public usage API is exposed.
  - name: Allocation
    description: Allocate fees against the consuming product line through the bilateral invoice; reference
      partner_id or account_id columns where supplied.
  - name: Optimization
    description: Renegotiation and product fit are the primary cost levers; HTLF/UMB does not publish
      tiered price breaks.
  - name: Accountability
    description: Assign a relationship owner who handles the bilateral contract, fee schedule, and
      compliance attestations.
domains:
  - name: Understand Usage and Cost
    capabilities:
      - Allocation
      - Reporting and Analytics
  - name: Quantify Business Value
    capabilities:
      - Planning and Estimating
      - Budgeting
  - name: Optimize Usage and Cost
    capabilities:
      - Licensing and SaaS
  - name: Manage the FinOps Practice
    capabilities:
      - Invoicing and Chargeback
      - Intersecting Disciplines
meters:
  - name: partner_fees
    description: Negotiated partner fees per the bilateral agreement
    unit: varies
    aggregation: sum
    dimensions:
      - service
      - partner_id
apis: []
# 2026-09-14: the former apis[] block named a "Heartland Financial USA API" at
# https://api.htlf.com. That host returns NXDOMAIN and was a 2026-04 bulk-sweep placeholder,
# never a base URL Heartland Financial USA published. It has been removed from apis.yml and
# from this artifact rather than carried forward as a fabricated service.
unitEconomics:
  - name: Cost per Transaction (per agreement)
    metric: partner_fees / transactions
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com