aplonAPI empowers you to explore the Future of FinTech APIs ... today. Learn more about the product & discover how you can rapidly enter the APIs era, using our production grade API Management Framework. aplonAPI allows you to become PSD2 compliant and start deploying innovative Open Banking / Banking as a Platform services & solutions

1. aplonAPI
Product Presentation

2. aplonAPI explained
WHAT? WHO? WHY? HOW?
aplonAPI Architecture,
Functionalities & Features
Should be interested in
using aplonAPI
aplonAPI Value proposition
& tangible benefits
To get started
with aplonAPI

3. › aplonAPI™ by Payment Components Ltd, is a modern, PSD2 compliant API Management
Framework.
› It allows Companies to Build, Manage & Distribute their own APIs.
› PaymentComponents ltd is an established global Financial Technology (FinTech) leader
providing diverse solutions to – among others – JP Morgan, Credit Suisse, Citigroup,
Computer Associates, Hellenic Seaways, Interamerican (part of the ACHMEA group).
› aplonAPI means “Simple API”. aplon means Simple in ancient Greek. Simplicity is embedded
in our DNA and is the basis of our corporate mantra “If it’s not simple, It’s Wrong!”. With
aplonAPI we try to bring this approach to the complex & ever evolving world of FinTech APIs.
WHAT?
is aplonAPI

4. WHAT?
Architecture Overview

5. WHAT?
3 main pillars

6. WHAT?
PSD2 Compliant out of the box – These are the PSD2 APIs

7. WHAT?
SWIFT, SEPA & ISO20022 APIs. Automate the validation of your financial messages (Optional APIs)

8. › Banks (EU), seeking a solution to establish PSD2 compliance
› Forward thinking Banks, in the process of establishing a Banking as a Platform (BaaP)
technology stack, to deliver next generation FinServ & FinTech Services
› Banks, looking to establish a flexible API layer as a means to decouple legacy systems from
the fast paced & agile development of internal tools and applications.
› Financial Institutions & FinTechs, seeking a solid, tested & production grade API
Management Platform, as the basis for building their innovative & disruptive ideas.
WHO?
Should be interested in using aplonAPI

9. WHY?
The PSD2 era is here – you must take a decision regarding your strategy

10. WHY?
The Payment Services Directive 2 (PSD2) in EU is an Open Banking catalyst & a global benchmark
› On November 16, 2015, the Council of the European Union passed PSD2. Member states will have two years to
incorporate the directive into their national laws and regulations. 2018 is the milestone year for PSD2 going live.
› In short, PSD2 enables bank customers, both consumers and businesses, to use third-party providers to manage their
finances.
› The new rules aim to better protect consumers when they pay online, promote the development and use of innovative
online and mobile payments, and make cross-border European payment services safer.
› Banks, are obligated to provide these third-party providers access to their customers’ accounts through open APIs.
This will enable third-parties to build financial services on top of banks’ data and infrastructure.
› AISP (Account Information Service Provider) are the service providers with access to the account information of
bank customers. Such services could analyze a user’s spending behavior or aggregate a user’s account information
from several banks into one overview.
› PISP (Payment Initiation Service Provider) are the service providers initiating a payment on behalf of the user. P2P
transfer and bill payment are PISP services we are likely to see when PSD2 is implemented.
› In September 2016, Smart Money People estimated that PSD2 had placed a 4% premium on FinTech valuations.

11. › Become a Banking as a Platform (BaaP) Champion through the use of PSD2 APIs!
› Use the framework to actively participate in the booming FinTech (R)evolution, in a structured & controlled way, with our API
management system.
› Become PSD2 ready today (typical project duration from kick off to go live is 3 months)!
› Connect with the FinTech Innovation Community & expand the Value Added Services you provide to your Customers
› Build your own APIs & offer your Banking as a Platform (BaaP) Services (e.g. P2P payments / loans, PFM aggregator,
streamlined CX) to your Clients
› Decouple your legacy systems from fast paced FinTechs.
› Explore PSD2 APIs in a safe & manageable environment.
WHY?
aplonAPI Value proposition & tangible benefits

12. WHY?
aplonAPI got a 5-star rating, in the Configo Financial APIs Index
Source: https://configo.io/financial-api-index/

13. WHY?
360° of FinTech Solutions & Services

14. 1. Reach out & let us know that you’re interested
2. We’ll setup a live demonstration of the system in Action
3. We’ll provide you with accounts in www.aplonapi.com so you can test the system yourselves
4. Let’s define the final project SOW
5. Kick off Deployment (typical project timeline from kick-off to go live is 3 months)
HOW?
To get started with aplonAPI?

15. Who we are
A quick summary
A privately held, fast growing technology company, founded in 2014,
with clients in 5 continents and offices in Athens & London,
continuously innovating for the Financial Services sector.
We are a unique amalgam, bonding over 25 years of experience &
deep Financial Services understanding, expertise in developing
mission critical Financial systems and the latest trends in FinTech
innovation for Banks, Corporates and FinTechs.

16. Empowering FinTech endeavors globally
Trusted by

17. Global resellers network
Partnerships / Resellers Geo footprint

18. People love our inspirational content
Global Thought Leaders

19. Thank You
64 Princes Court , 88 Brompton Road , Knightsbridge, London SW3 1ET, United Kingdom | Tel. : +44 2071172538 | www.paymentcomponents.com
@paymentcomp