apidays LIVE JAKARTA - Connecting the Digital Stack APIs as Products in payments, telecommunications and Data-as-a-Service Zuber Khatib, Managing Partner, RAACOM

1. APIs as Product in Telco,
Payments and Data Solutions
API Days LIVE – Jakarta
September 2020

2. ZUBER KHATIB
Senior Business & Technology Consultant
Former Business Development Advisor at APIGATE (API
Aggregator Platform) Payment Gateway - XENDIT
Certified Technical & API Documentation Writer
Specialized in Payments, API Platforms and Data
Solutions & Consulting

3. Telco Digital
Payments Platform

4. Network of Mobile Operators
API Platform
Digital
Merchants
Monetization
Communication
Identification
Data-as-service
DCB Wallet Voucher
VoiceA2P messages
Video
Information LBS Data Provisioning

5. APIs for Telco business
 DCB : For in-app purchases customer use their mobile balance to settle payment. Receive OTP and
confirm payment
 Subscription management : Handles subscriber database, user consent (opt-in, opt-out) and recurring
billing events
 Wallet : Pay for services/purchases through mobile app using QR code. Amount is charged to customer's
wallet account
 Voucher : Merchants generate Voucher code through App and distribute to customers to avail promotions
 A2P : Application-to-Person SMS notification for various services
 2-Factor Authentication : Provides SMS OTP for secure login
 Voice : Mask mobile numbers (Virtual Numbers) for secure interaction between Passenger and Driver
 Video : Online Video consultation and customer support services
 LBS : Fetch the closet service point to schedule vehicle service.
 Geo Tracking : Allows customers to access real-time location details of order with estimated delivery time
 Information & Provisioning : Balance inquiry of favorite streaming service with prompt to extend service

6. Open Bill
Payments Network

11. Financial Data
Platform

12. Tech companies remain
disconnected from financial data
Tedious Bad reviews
1 Download App
2 Sign Up - Name, Address etc.
3 Setup - Currency, Enter Data
4 Login to i-banking
5 Download CSV
6 Upload CSV
7 Clean data
→ Outdated insights
→ Repeat every month
AppBankApp
Limited
Connections
Unreliable
> 5 mins
Duplicated
Transactions
Many Errors

13. One line of code, all financial data
Banks
Wallets
E-commerce
Gig accounts
TelcoS
BRICK
API

16. API Analytics
Gateway

17. VAIA API Analytical Gateway
Scenario
To easily leverage Machine Learning based advanced analytics use cases, an API Gateway
was required for front-line applications to retrieve results from insights.
Benefits from the implemented Solution
 Democratized and simplified use of insights derived from Hadoop solution with API
layer, allowing data access in JSON format
 Safeguard Hadoop cluster with whitelisting APIs allowing restricted access
 Successful use and monetization of API calls to result in Data & Analytics department to
function as profit center

18. Machine Learning Service
Client: Top State-Owned Bank in Indonesia
Technology Stack and Data Flow
 Data is stored in Hadoop Data Lake
 The data is prepped, and data marts are
built-on Cloudera cluster (e.g. Hive
and/or impala)
 The analytics process is modeled using
RapidMiner and run on Spark on
Hadoop.
 The analytics result is stored in HBase
tables, used as API target.
 The user and/or other application can
request access to data through APIs that
are VAIA gateway manages

19. VAIA
With a lot of APIs, ports, and end-point
application to monitor, getting the data in and
out of your data platform and/or Hadoop
clusters can be a management headache.
VAIA, custom-build inhouse solution to
simplify, automate, and making the
management process of your APIs easier. VAIA
is a scalable, API Layer (also known as an API
Gateway) that is built on top of an open source
software. VAIA runs in front of any RESTful API
and is extended through Microservices Plugins,
which provide extra functionality and services.
Custom-built API Management Tools

20. Self-Service Data
Platform

21. AI – Surge: Self Service Data Platform

22. How it works

23. Cost Management API Workflow

24. IntroducingDOJO
YOUR DATAADJUTANT
Automates you Predictive model, choosing the Model suited for your
dataset, such that you focus on identifying business critical information.
Empower your business with DOJO means –
having a team of 7+ Data Engineers & Data Scientists
Automates your Data Quality and
Data Security. With single click fix for
all you data issues, such that you
could focus on Business Logic
Type your Business Logic in Plain “English” – Technical Transformations
have a language
Advice on your datapoints for
accurate and faster analysis
Data Deduplication
Perform a data redundancy
analysis, identify duplicates
© 2020 – PROPRIETARY AND CONFIDENTIAL

25. Thank You
www.linkedin.com/zuberkhatib
+628976195538
mailzuber@gmail.com