apidays LIVE Singapore 2021 - Digitisation, Connected Services and Embedded Finance April 21 & 22, 2021 Embedding finance into the customer journey Justin Xiao, COO, South East Asia & Australia at Railsbank

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Anyone can “Fintech”
Embedded Finance in the Consumer Journey
Justin Xiao
COO Railsbank SE Asia & Australia

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2 | RAILSBANK CONFIDENTIAL
COPYRIGHT 2020 RAILSBANK TECHNOLOGY LIMITED
Embedded
Finance
Consumer
Experience
Prototype,
Launch,
Scale

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Open banking is only really about two
core services.
- Account data
- Payment initiation
Embedded finance is about so much more.
Open Banking +
- Issuing cards
- Issuing accounts
- Currency conversion
- Collecting money
- And so much more as a tool for business
model transformation.

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Anyone can be a merchant - Amazon, eBay
Anyone can be a taxi driver - Uber, GoJek, Grab
Anyone can be a journalist - Twitter
Anyone can be an investor - Robinhood
Anyone can create movies - YouTube, Vimeo
Anyone can be a hotel owner - AirBnB
Anyone can run a data centre - AWS
Anyone can be a telco - Twilio
Technology
has totally
democratised
many
industries.

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Anyone can be
a fintech.
We believe that:
“Embed finance with 5 lines of code”
Think of empowering any business to embed financial
services directly into your own customer experience and
customer journeys.
e.g. supermarket, property agents, food delivery, airport,
employee benefits and many more.

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APIs are the building blocks that
bring to life any financial
use-case that you want to embed
in your customer experience.
Neo Bank
Salary advancing
Micro savings
Farming COOP
Gig worker payroll
Wealth manager
Rewards scheme
Brand engagement
Micro lending

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We free
You focus on
your product
your UX and
your consumer
journey.

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Onboard
Manage
Card
Spend Earn Pay Optimize Get Help
Apply and use instantly Spend confidently, manage effortlessly and earn more
Manage
Settings
Best in class support
Consumer Journey

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SingLife
● InsurTech Use Case
● Digital-only Insurer
● Live in Singapore and partnering to expand
across Asia
Wagestream
● Earned Wages Access Use Case
● Salary disbursements for corporates like
Holiday Inn, Novotel, Bupa
● Live in UK and partnering to expand into
Asia

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10 | RAILSBANK CONFIDENTIAL
COPYRIGHT 2020 RAILSBANK TECHNOLOGY LIMITED
MVP in a Box

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Railsbank supports you
as a 24x7 utility that
manages and operates
the complexity and risk
of running financial
services.

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Any Questions.