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Open Bank Project API Days API Strat Berlin 2015

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Open Bank Project Talk at API Days Berlin. Includes results from Bank Innovation survey on open banking.

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Open Bank Project API Days API Strat Berlin 2015

  1. 1. Simon Redfern, CEO! simon@tesobe.com! Understanding APIs in Banking
  2. 2. Background •  What is the Open Bank Project" •  Results of Open Banking API Survey" •  @simsysims" •  @iChaib" Agenda @iChaib"
  3. 3. The Open Bank Project The Open Bank Project is an open source API and App Store for banks ! and a developer community around.! 1/ Standard Banking API! 2/ Developer ! Community! 3/ App Store!
  4. 4. How it works OBP API! Bank’s Legacy IT System! Bank’s! Customers! Provided by their bank! OBP App store! 3 2 1 (On different platforms)! Use innovative financial apps! Card-linked offers! Cash management! Accounting!ERP! KYC! CRM! Crowdfunding! jQuery! Savings! Gamification!Data! Visualisation! Advisory! PFM! AML! Anti fraud!Regulation! Financial Institution’s data center / cloud / appliance Operated by the bank
  5. 5. Background Open Banking Research together with Bank Innovation
  6. 6. Distribution of results 133 Responses in one month Universal  Bank   3%   Retail  Bank   38%   Corporate  Bank   14%   Other  Financial   ins;tu;ons   6%   Fintech-­‐startups   23%   Payment  processors   6%   Other   10%   PER  ORGANISATION   Africa   5%   APAC   9%   Europe   58%   La;n  America   5%   North  America   21%   Other   2%   PER  COUNTRY  
  7. 7. Strong appetite for APIs 63% banks either have launched an API initiative or will launch it in 2015
  8. 8. Required for Banking APIs Consensus on Open APIs? Internal Access! 3rd Party! Access! Mgmt! &! Gov! REST! Interface! Open Data! Open! Standards! 88% - required ! 56% - required ! 77% - required ! 60% - required ! 57% - required ! 60% - required !
  9. 9. Expected Benefits 1) Rapid prototyping, 2) Improved customer experience and 3) Reputation - seen as key benefits of an API initiative 25%   20%   16%   18%   11%   11%   4%   17%   32%   37%   39%   28%   34%   27%   25%   11%   43%   44%   46%   54%   54%   62%   71%   72%   0%   20%   40%   60%   80%   100%   120%   Compliance Cost-­‐Reduc2on Be4er  security Be4er  data  control  and  monitoring New  revenue  streams Reputa2onal  -­‐  seen  to  be  innova2ve Improved  customer  service Rapid-­‐prototyping  of  new  services What API benefits are most important to you?! Not  at  all  important  or  slightly  important   Important   Very  Important  or  Extremely  important  
  10. 10. What hinders API initiatives? Culture & security concerns halt API progress What hinders the emergence of an API initiative in your bank?! Corporate Culture / Bureaucracy! Security / Privacy Concerns! Lack of talent / know-how! Budget! Technology! Regulation! Other!
  11. 11. Closing the gap Success stories, education and support from upper management are critical to accelerate API initiatives Success ! Stories! From other banks! Regulation! Hackathons!POC! Business Case! Pressure from competitors! Education! Standardisation! Top management support! Proven Technology! What might accelerate an API initiative in your bank?!
  12. 12. Banks can install our Scala implementation / implement the standard Dual licensed under AGPL and commercial licenses https://github.com/OpenBankProject/ OBP-API/wiki
  13. 13. Simon Redfern, CEO! simon@tesobe.com" @simsysims " www.openbankproject.com" Thank You!

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