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PSD2: Making it actionable
Webinar Wednesday July 27th, 2016
Overview
What is PSD2
2
What is PSD2?
PSD2 is short for ‘Second Payments Services Directive’, a new
European regulation that says banks have to al...
What is PSD2?
PSD2 will impact how we access our finances
4
Labor intensive task of getting
complete overview of financial...
What is PSD2?
PSD2 will impact how we access our finances
5
‘Account Information Service
Providers’ (AISPs) can offer
dire...
What is PSD2?
PSD2 will impact the flow of payments
6
Consumer
Issuing bank Card Scheme Acquirer
Merchant
Before PSD2
What is PSD2?
PSD2 will impact the flow of payments
7
Consumer
Issuing bank
Merchant
After PSD2 adoption
Parties can act a...
Overview
Impact of PSD2 on banks
“.”8
Impact of PSD2 on banks
PSD2 Timeline: Aiming for Q4 2018
9
December 2015
EBA released discussion
paper on authentication
...
Impact of PSD2 on banks
1. EU sets regulation and defines technical standard
2. EU member states to turn this into nationa...
Impact of PSD2 on banks
PSD2 will change to competitive landscape
11
Impact of PSD2 on banks
Strategy: Proactive vs Reactive
12
§ There is a choice: do you implement the minimum requirements ...
Impact of PSD2 on banks
Proactive banks: move to public API’s
13
API
Overview
Banking API Economy
14
Banking API Economy
Back Office Functions
PRODUCTS
& IT SYSTEMS
Future = Two Speed Architecture
Existing Systems
(Silos)
C...
Banking API Economy
Future = Two Speed Architecture
16
Backend
Digital Customer Experience Platform
SOA / Middleware layer...
Banking API Economy
Opportunity: Build Connected Experiences
Next Generation
Consumer Experiences
PFM, cardlinkedoffers
Wo...
Customer Controlled
Account Aggregation
&
Customer Data Hub
Banking API Economy
Opportunity: Complete Customer View
18
Ban...
Banking API Economy
Opportunity: Integrate FinTech Capabilities
19
API Layer
Connecting to 3rd
parties,
Selecting the best...
Banking API Economy
What is the Business Model / ROI?
20
Revenue-sharing models
(API provider pays developer)
Fee-based mo...
Overview
PSD2 Roadmap
21
PSD2 Roadmap
PSD2 Timeline: Aiming for Q4 2018
22
December 2015
EBA released discussion
paper on authentication
and secure...
PSD2 Roadmap
Build or Buy a solution that enables:
§ Third party Authentication (oAuth + 2FA)
§ Entitlements - Flexible an...
PSD2 Roadmap
1. You don’t have to wait for the regulations to be final. It is
going to happen, and technology selection an...
Overview
The Backbase Vision
25
The Backbase Vision
Mission: We empower Financials to
accelerate their Digital Transformation
26
The Backbase Vision
Raising the Bar – Superior Experience
27
Empowering the Self-Directed Customer
BACKBASE: Omni-Channel Banking
Existing
Systems
PSD2
enabled banks
Customer Experience & Digital Banking Services
OLB Mobi...
The Backbase Vision
BACKBASE: Build Connected Experiences
Open API Layer
Omni-Channel
Digital Banking
Experience
Core Bank...
The Backbase Vision
BACKBASE: Business Model Agility
Scenario 1
Digital CX
Digital
Banking
Core Systems
Scenario 3
Aggrega...
Customer Experience Solutions. Delivered.
The Backbase Vision
31
Forrester Market Wave for
Omni-Channel Banking Solutions
...
Q&A
32
Thank you!
Jouk Pleiter, CEO & Co-Founder, jouk@backbase.com
Jelmer de Jong, VP Product Management, jelmer@backbase.com
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PSD2: Making it actionable

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Financial institutions in Europe are preparing to confront a major legislation revision for the banking industry: the proposal for a revised directive on payment services in the internal market, better known as Payment Services Directive, or PSD2.

PSD2 represents one of the single biggest changes in banking industry history, because it’s the first time banks will be obligated by law to open their infrastructures to third parties. Many banks are concerned about this legislation, feeling exposed and under attack from new entrants. It also enables customers to be in the driving seat when it comes to their finances. Yet, does it need to be a huge threat?
In this special, exclusive webinar, Jouk Pleiter and Jelmer de Jong of Backbase talk about what PSD2 means for the banking industry, and how can banks can prepare for this inevitable change. We are looking at:
What PSD2 actually is
PSD2 and the connection with APIs
PSD2’s impact on banks
New entrants in the banking space
The bank’s fundamental strategic choice: the defensive or offensive strategy
Opportunities to capitalise on.

Publié dans : Business
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PSD2: Making it actionable

  1. 1. PSD2: Making it actionable Webinar Wednesday July 27th, 2016
  2. 2. Overview What is PSD2 2
  3. 3. What is PSD2? PSD2 is short for ‘Second Payments Services Directive’, a new European regulation that says banks have to allow a secure way for customers to authorize a third party provider to have direct access to: § Account and transactional data § Make and authorize payments What is PSD2? 3
  4. 4. What is PSD2? PSD2 will impact how we access our finances 4 Labor intensive task of getting complete overview of financial status across banks. Before PSD2
  5. 5. What is PSD2? PSD2 will impact how we access our finances 5 ‘Account Information Service Providers’ (AISPs) can offer direct insight in all products and transactions across banks. After PSD2 adoption
  6. 6. What is PSD2? PSD2 will impact the flow of payments 6 Consumer Issuing bank Card Scheme Acquirer Merchant Before PSD2
  7. 7. What is PSD2? PSD2 will impact the flow of payments 7 Consumer Issuing bank Merchant After PSD2 adoption Parties can act as ‘Payment Initiation Service Provider’ (PISP) or work with a PISP to simply the flow of transactions and payments.
  8. 8. Overview Impact of PSD2 on banks “.”8
  9. 9. Impact of PSD2 on banks PSD2 Timeline: Aiming for Q4 2018 9 December 2015 EBA released discussion paper on authentication and secure communication June – Sept 2016 (est.) Consultation period on draft RTS*. January 2016 PSD2 is published in the official journal of the European Union January 2017 Deadline for EBA to submit RTS on authentication April 2017 (estimate) EBA RTS adopted by commission October 2018 Deadline for EBA RTS Compliance for ASPS, PSPs and Authorities January 2018 Deadline for member states of the EU to transpose PSD2 as law across 28 member states. 2015 2016 2017 2018 Banks have 18 months to comply to RTS * RTS = Regulatory Technical Standards.
  10. 10. Impact of PSD2 on banks 1. EU sets regulation and defines technical standard 2. EU member states to turn this into national laws 3. Banks to comply before October 2018 (estimate) 1. Third party authentication 2. Third party access to Payments (transaction requests) 3. Third party access to Account information(balances and transaction history) 4. Fees Transparency 5. Fine grained entitlements So, what needs to happen? 10
  11. 11. Impact of PSD2 on banks PSD2 will change to competitive landscape 11
  12. 12. Impact of PSD2 on banks Strategy: Proactive vs Reactive 12 § There is a choice: do you implement the minimum requirements to fulfil PSD2 (reactive) OR do you embrace the change and modify your business model (proactive)? § PSD2 is significant market disrupter and early adopters will shape the market Proactive / Disruptor Bank § First top adopt open APIs § First to welcome 3rd party developers / ecosystem § Accept commoditizationand find new differentiators Reactive / Disrupted Bank § Meet the essential criteria § Rest is business as usual § Have defensive and delay strategy to 3rd party's
  13. 13. Impact of PSD2 on banks Proactive banks: move to public API’s 13 API
  14. 14. Overview Banking API Economy 14
  15. 15. Banking API Economy Back Office Functions PRODUCTS & IT SYSTEMS Future = Two Speed Architecture Existing Systems (Silos) Customer Experience Agility Flexible Customer Journeys API
  16. 16. Banking API Economy Future = Two Speed Architecture 16 Backend Digital Customer Experience Platform SOA / Middleware layer System of Record YearsMonths Employee Applications Partner Apps Customer Apps "Internet of Things" Days Database API EXPOSURE API CONSUMPTION
  17. 17. Banking API Economy Opportunity: Build Connected Experiences Next Generation Consumer Experiences PFM, cardlinkedoffers Work with FinTech Vendors P2Plending,Wallets,New Apps, IoT, etc. Access control, and risk management Reduceriskthrough accesscontrol, metering of enterpriseassets Outside-in Banking CrossBankingAggregation, Multiplecontextualfinancial apps Alternative models in Wealth management Robo-advisorsforaffluent segments Deposits LoansInvestments Payments Third-party services OtherBanks 17 API
  18. 18. Customer Controlled Account Aggregation & Customer Data Hub Banking API Economy Opportunity: Complete Customer View 18 Banks FinTech Apps data data data data data data
  19. 19. Banking API Economy Opportunity: Integrate FinTech Capabilities 19 API Layer Connecting to 3rd parties, Selecting the best offer / service Omni-Channel Digital Banking Platform Core Banking
  20. 20. Banking API Economy What is the Business Model / ROI? 20 Revenue-sharing models (API provider pays developer) Fee-based models (API provider charges developer) Freemium models Fixed Flexible Hybrid (flat fee plus fixed or flexible) Transaction One-time Subscription Duration Quantity Hybrid Transaction Volume Custom Attribute Advance / Arrears Pro-rated /Full amount
  21. 21. Overview PSD2 Roadmap 21
  22. 22. PSD2 Roadmap PSD2 Timeline: Aiming for Q4 2018 22 December 2015 EBA released discussion paper on authentication and secure communication June – Sept 2016 (est.) Consultation period on draft RTS*. January 2016 PSD2 is published in the official journal of the European Union January 2017 Deadline for EBA to submit RTS on authentication April 2017 (estimate) EBA RTS adopted by commission October 2018 Deadline for EBA RTS Compliance for ASPS, PSPs and Authorities January 2018 Deadline for member states of the EU to transpose PSD2 as law across 28 member states. 2015 2016 2017 2018 Banks have 18 months to comply to RTS * RTS = Regulatory Technical Standards.
  23. 23. PSD2 Roadmap Build or Buy a solution that enables: § Third party Authentication (oAuth + 2FA) § Entitlements - Flexible and fined grained access control § API versioning and management § Fraud and penetration monitoring § Developer tools (SDKs, sandboxes, documentation) § Align on -- or select, an clearly defined API standard PSD2 Ready – Shopping List 23
  24. 24. PSD2 Roadmap 1. You don’t have to wait for the regulations to be final. It is going to happen, and technology selection and implementation can already start today. 2. You don’t have to limit the scope to PSD2. Be open and creative in what APIs and services to enable for 3rd party developers and partners to find new business models and mutual benefits. 3. Experiment. Get in a ‘lean startup’ approach to this, with smart technology to see what works and sticks. Be open. PSD2 Roadmap 24
  25. 25. Overview The Backbase Vision 25
  26. 26. The Backbase Vision Mission: We empower Financials to accelerate their Digital Transformation 26
  27. 27. The Backbase Vision Raising the Bar – Superior Experience 27 Empowering the Self-Directed Customer
  28. 28. BACKBASE: Omni-Channel Banking Existing Systems PSD2 enabled banks Customer Experience & Digital Banking Services OLB Mobile Seamless Omni-Channel Journeys Retail Banking Business Banking Wealth Management The Backbase Vision Digital Banking API Layer – INTEGRATE & EXPOSE FinTech Providers Open APIs
  29. 29. The Backbase Vision BACKBASE: Build Connected Experiences Open API Layer Omni-Channel Digital Banking Experience Core Banking PSD2 Enabled Banks
  30. 30. The Backbase Vision BACKBASE: Business Model Agility Scenario 1 Digital CX Digital Banking Core Systems Scenario 3 Aggregator Banking Services Aggregator PSD2 enabled banks Fintech Providers Fintech Providers Scenario 4 Omni-Channel Omni-Channel Banking Platform PSD2 enabled banks Fintech Providers Fintech Providers Core Systems Scenario 2 New Digital Built-for-Digital Banking Platform Lean Core
  31. 31. Customer Experience Solutions. Delivered. The Backbase Vision 31 Forrester Market Wave for Omni-Channel Banking Solutions Jost Hopperman “Backbase leads the Pack” ü Broad business capabilities, ü Rich customer experience, ü Very solid technology ü Very solid architecture Recognized as Innovation Leader
  32. 32. Q&A 32
  33. 33. Thank you! Jouk Pleiter, CEO & Co-Founder, jouk@backbase.com Jelmer de Jong, VP Product Management, jelmer@backbase.com

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