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PICTURE BY KUSTER & WILDHABER PHOTOGRAPHY, FLICKR
APIDays Paris
December 16th, 2016
REAL LIFE EXAMPLES ON HOW TO THRIVE
TH...
A FinTech history lesson
First wave: FinTech startups attack (2008-2014)
It was never cheaper to
start a startup. And
regulation provided new
oppor...
Second wave: Banks fight back (2014-2015)
“Let’s be innovative and …
do a hackathon!”
Third wave: Partnerships of banks & startups (2016ff)
Banking with “non-banks” will become the new normal
The result
What is figo providing?
figo opens
financial silos
From more than 

3.200 financial sources 

in Germany & Austria

Future: all SEPA countries
figo enables unified access to all financial sources

Through figo all financial sources looks the same
financial sources
> 3.20...
figo is for everyone
> 1000
are using figo
today
Banks
Payment
Service
Providers
CC-
schemes
Corporates
FinTechs
Credit
Prov...
figo and the first wave
Risk Analysis and
scoring with digital
bank statements

instantly online.
More than
3.200 Banks
Credit

cards
FinTechs
Mee...
Direct verification
makes service
usable instantly
More than
3.200 Banks
Credit

cards
FinTechs
Meet figo verifier: Faster us...
Automated by accessing

bank account data
More than
3.200 Banks
Credit

cards
FinTechs
Meet figo verifier: Account switching...
Monitor, automate
and initiate payments.More than
3.200 Banks
Credit

cards
FinTechs
Meet figo initiator: Initiate payments...
Now figo supports the second wave
The bank as the financial
home - where the user
stays longer
More than
3.200 Banks
Credit

cards
FinTechs
Meet figo aggregat...
What about the third wave?
The problems with “bank as a platform”
Problem on bank side
_No revenue model through XS2A
_No reach to developers & start...
Third partiesConsumer figo XS2A platform for banks
Our XS2A platform is more than just a PSD2 compliance service

figo devel...
One example: How figo brings together the whole industry
www.bankathon.net https://vimeo.com/191671868
ADDRESS
figo GmbH
Gaußstraße 190c
22765 Hamburg
WEB
www.figo.io
@figoAPI
Let’s change the way we bank today!
LARS MARKULL
E-M...
Prochain SlideShare
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figo at API Days 2016 in Paris

A little insights into our development over the recent years and a short outlook for "bank as a platform".

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figo at API Days 2016 in Paris

  1. 1. PICTURE BY KUSTER & WILDHABER PHOTOGRAPHY, FLICKR APIDays Paris December 16th, 2016 REAL LIFE EXAMPLES ON HOW TO THRIVE THROUGH BANKING APIS
  2. 2. A FinTech history lesson
  3. 3. First wave: FinTech startups attack (2008-2014) It was never cheaper to start a startup. And regulation provided new opportunities!
  4. 4. Second wave: Banks fight back (2014-2015) “Let’s be innovative and … do a hackathon!”
  5. 5. Third wave: Partnerships of banks & startups (2016ff)
  6. 6. Banking with “non-banks” will become the new normal
  7. 7. The result
  8. 8. What is figo providing?
  9. 9. figo opens financial silos From more than 
 3.200 financial sources 
 in Germany & Austria
 Future: all SEPA countries
  10. 10. figo enables unified access to all financial sources
 Through figo all financial sources looks the same financial sources > 3.200 Banks Credit Cards Assets/ Broker API Auto Sync Categori -zation Payment Aggrega -tion Notifi- cations HBCIAPISWEBSCRAPING Multibanking in web & app Risk management Scoring User verification Account switching Invoicing tools Use Cases Banks, FinTechs and othersConsumers Customer logs into the online banking with her/his credentials figo inside technology
  11. 11. figo is for everyone > 1000 are using figo today Banks Payment Service Providers CC- schemes Corporates FinTechs Credit Providers Developers
  12. 12. figo and the first wave
  13. 13. Risk Analysis and scoring with digital bank statements
 instantly online. More than 3.200 Banks Credit
 cards FinTechs Meet figo verifier: Digitize loan application processes
  14. 14. Direct verification makes service usable instantly More than 3.200 Banks Credit
 cards FinTechs Meet figo verifier: Faster user on-boarding
  15. 15. Automated by accessing
 bank account data More than 3.200 Banks Credit
 cards FinTechs Meet figo verifier: Account switching services
  16. 16. Monitor, automate and initiate payments.More than 3.200 Banks Credit
 cards FinTechs Meet figo initiator: Initiate payments directly in your service
  17. 17. Now figo supports the second wave
  18. 18. The bank as the financial home - where the user stays longer More than 3.200 Banks Credit
 cards FinTechs Meet figo aggregator - Multibanking & account aggregation
  19. 19. What about the third wave?
  20. 20. The problems with “bank as a platform” Problem on bank side _No revenue model through XS2A _No reach to developers & startups _No on-boarding process for new partners Problem on FinTech side Not all account types included_ Too many different banks & technology_ XS2A is not an ‘all purpose tool’_ VS.
  21. 21. Third partiesConsumer figo XS2A platform for banks Our XS2A platform is more than just a PSD2 compliance service
 figo developer network Easy access Account Information
 Service (AIS) API Compliance Partner Management Hosting & Security API Management Payment Initiation 
 Service (PIS) API Core Banking Service
 A Fintech B OTHER PARTNER PSD2 COMPLIANT
 XS2A-PLATTFORM 
 FOR BANKS Platform stack used by the bank
  22. 22. One example: How figo brings together the whole industry www.bankathon.net https://vimeo.com/191671868
  23. 23. ADDRESS figo GmbH Gaußstraße 190c 22765 Hamburg WEB www.figo.io @figoAPI Let’s change the way we bank today! LARS MARKULL E-MAIL: MOBILE: TWITTER: LM@FIGO.IO +49 151 50 580 510 @LARSMARKULL

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