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Smart Banking:
Real Time Driven
1
2
Real Time Banking Today
3
Account opening
Money Transfer Card locking
Balance Statement
4
Account opening
Money Transfer Card locking
Balance Statement
5
Account opening
Money Transfer Card locking
Balance Statement
6
Account opening
Money Transfer Card locking
Balance Statement
7
Account opening
Money Transfer Card locking
Balance Statement
8
Banking “Innovation”
‘No Grandma ...
listen, email is not
a scanned letter!’
Steve Jobs
10
Re-think banking from ground-up
NUMBER26
1 bank account
1 MasterCard
1 app
Our experience is designed for
real time mobile first experience
11
12
Account opening
Open your bank account online in less than
8 minutes
… every day from 8am - midnight
… including verifi...
13
Money Transfer
14
Intelligent push notifications inform you about
… successful card & bank transactions
… fraud attempts
… insufficient f...
15
Block your card & report it as stolen
Set whether you want to pay abroad
… or online
… allow cash withdrawal or not
Rea...
16
Technology
17
Re-think banking from ground-up
NUMBER26
1 bank account
1 MasterCard
1 app
Our experience is designed for
real time mobile first experience
18
19
Account opening
Open your bank account online in less than
8 minutes
… every day from 8am - midnight
… including verifi...
20
Money Transfer
21
Intelligent push notifications inform you about
… successful card & bank transactions
… fraud attempts
… insufficient f...
22
Block your card & report it as stolen
Set whether you want to pay abroad
… or online
… allow cash withdrawal or not
Rea...
23
EC2ELB
SQL
No-SQL
Lambda
Machine Learning
Event Processing
24
Create smarter banking
25
Identify transactions which should be linked
Clustering: Too many false positives
Vector Space Modelling allows better
...
26
Linking transactions
27
Linking Transactions
Linking transactions helps you to keep track
of your finance
E.g. you order 10 items and return 9 ...
28
Simplifying the financial transaction overview
You’ll see all related transactions
in just one screen
… making it easy ...
Linking transactions architecture
Async Inflow
functions for
real time linking
grouped
transactions
29
Event based trigger
30
Categorizing transactions
Where did I
spend all this
money?
Person To Person
(Money Beam)
Person To Merchant
(Bank Transaction)
31
32
Simplifying the financial transaction overview
Grouping your expenses automatically
into useful spending clusters
… mak...
To Person
Use reference text
State of the art NLP techniques to
parse, tokenize, lemmatise texts to
extract sense.
Semanti...
To Merchant
Merchants play a vital role. If you spend
money at “Vapiano”, we know instantly.
How can you teach a machine t...
Linking and categorizing transactions
Async Inflow
machine learning for
categorizations
functions for
real time linking
gr...
36
What’s to come?
37
Our Vision
Build world’s best
bank experience
in every way
38
Our goals
Innovation leader
by user focus.
Building a
Smart Fintech-hub
Expansion to become the first
pan-European bank
70 people - 20+ nationalities
39
Top 25 global payment companies
-CB Insights Christian Rebernik@number26.de
Top 100 hotte...
Prochain SlideShare
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"Smart Banking- Real Time Driven at Number26", Christian Rebernik, CTO at Number 26 GmbH

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"Smart banking: Real Time Driven Processing at Number26", Christian Rebernik, CTO at Number 26 GmbH

YouTube Link: https://www.youtube.com/watch?v=Hg-Uu0nzd0U

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About the Author:
Christian was born in Vienna, Austria and studied economics and informatics in Vienna. Before he joined NUMBER26 in the position of CTO, he founded his own company and worked as a CTO for Zanox, Parship and Immobilien.net. On top of this Christian acts as a Mentor and Coach to several startups during their founding phase and he consulted the United Nations World Food Programme in the creation of the Share the Meal app.

Publié dans : Données & analyses
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"Smart Banking- Real Time Driven at Number26", Christian Rebernik, CTO at Number 26 GmbH

  1. 1. Smart Banking: Real Time Driven 1
  2. 2. 2 Real Time Banking Today
  3. 3. 3 Account opening Money Transfer Card locking Balance Statement
  4. 4. 4 Account opening Money Transfer Card locking Balance Statement
  5. 5. 5 Account opening Money Transfer Card locking Balance Statement
  6. 6. 6 Account opening Money Transfer Card locking Balance Statement
  7. 7. 7 Account opening Money Transfer Card locking Balance Statement
  8. 8. 8 Banking “Innovation”
  9. 9. ‘No Grandma ... listen, email is not a scanned letter!’ Steve Jobs
  10. 10. 10 Re-think banking from ground-up
  11. 11. NUMBER26 1 bank account 1 MasterCard 1 app Our experience is designed for real time mobile first experience 11
  12. 12. 12 Account opening Open your bank account online in less than 8 minutes … every day from 8am - midnight … including verification checks, risk scoring, whitelist/blacklist
  13. 13. 13 Money Transfer
  14. 14. 14 Intelligent push notifications inform you about … successful card & bank transactions … fraud attempts … insufficient funds or exceeded limits Transparency
  15. 15. 15 Block your card & report it as stolen Set whether you want to pay abroad … or online … allow cash withdrawal or not Real Time Control
  16. 16. 16 Technology
  17. 17. 17 Re-think banking from ground-up
  18. 18. NUMBER26 1 bank account 1 MasterCard 1 app Our experience is designed for real time mobile first experience 18
  19. 19. 19 Account opening Open your bank account online in less than 8 minutes … every day from 8am - midnight … including verification checks, risk scoring, whitelist/blacklist
  20. 20. 20 Money Transfer
  21. 21. 21 Intelligent push notifications inform you about … successful card & bank transactions … fraud attempts … insufficient funds or exceeded limits Transparency
  22. 22. 22 Block your card & report it as stolen Set whether you want to pay abroad … or online … allow cash withdrawal or not Real Time Control
  23. 23. 23 EC2ELB SQL No-SQL Lambda Machine Learning Event Processing
  24. 24. 24 Create smarter banking
  25. 25. 25 Identify transactions which should be linked Clustering: Too many false positives Vector Space Modelling allows better grouping into logical groups - represent each transaction as feature vector (d1, d2, q) - Find the closest vector (lesser angle between two vectors) for a query transaction vector (q) in terms of cosine similarity - Similarity score quantifies the likelihood of linking multiple transactions together
  26. 26. 26 Linking transactions
  27. 27. 27 Linking Transactions Linking transactions helps you to keep track of your finance E.g. you order 10 items and return 9 of them How can you make sure you received a refund for all of them?
  28. 28. 28 Simplifying the financial transaction overview You’ll see all related transactions in just one screen … making it easy to follow up … and to understand your spendings and income
  29. 29. Linking transactions architecture Async Inflow functions for real time linking grouped transactions 29 Event based trigger
  30. 30. 30 Categorizing transactions
  31. 31. Where did I spend all this money? Person To Person (Money Beam) Person To Merchant (Bank Transaction) 31
  32. 32. 32 Simplifying the financial transaction overview Grouping your expenses automatically into useful spending clusters … making it easy to analyze … and to understand your spendings and income
  33. 33. To Person Use reference text State of the art NLP techniques to parse, tokenize, lemmatise texts to extract sense. Semantic sense leads to smart categorization Based on a lexical database and translation engines, it is possible to find near exact sense from the texts. Examples: “Yufka for 2” => Food “Nudeln” => Food “debit from a doctor” => Health “Babyoel” => Children “Taxifahrt” => Cars 33
  34. 34. To Merchant Merchants play a vital role. If you spend money at “Vapiano”, we know instantly. How can you teach a machine to categorized it as “Bar and Restaurant”? Using the Machine Learning - Learn Model on card transactions - Train model - Test model on bank transactions Tested methods to determine the transaction category on F-1 score - Naive Bayes 0.57 - Supported Vector Machines 0.80 - Multiclass logistic regression: 0.9 Best Result: multiclass logistic regression 34
  35. 35. Linking and categorizing transactions Async Inflow machine learning for categorizations functions for real time linking grouped and categorized transactions 35 Event based trigger
  36. 36. 36 What’s to come?
  37. 37. 37 Our Vision Build world’s best bank experience in every way
  38. 38. 38 Our goals Innovation leader by user focus. Building a Smart Fintech-hub Expansion to become the first pan-European bank
  39. 39. 70 people - 20+ nationalities 39 Top 25 global payment companies -CB Insights Christian Rebernik@number26.de Top 100 hottest European startups 2015 -Wired Top 25 hottest German startups -Gründerszene

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