101 Digital has been at the forefront of Digital Banking Innovation, helping some of the most well-known banks such as Commonwealth Bank of Australia, Barclays Bank UK and more recently, Santander Bank build and launch innovative Digital Banking and Marketplace platforms to the market. In this brief presentation, we will cover some of the Digital Banking & Marketplace use cases and how the WSO2 platform has been instrumental in delivering the solutions.

1. Building the Next
Generation Digital
Platforms
Rana Peries
Director & Co-founder 101 Digital

2. Digital Trends – evolution of neo-banks
2

3. Digital Trends – evolution B2B e-Commerce
3

4. vs
Omni Channel Ecosystem
Bank
Compare Loans
Moving Services
Compare Properties
Property Market Info
Legal Services
Builders & Designs
AppInternet Banking Mobile BankingPaper / Forms
Bank
Source: MIT Sloan - Thriving in an Increasingly Digital Ecosystem
http://sloanreview.mit.edu/article/thriving-in-an-increasingly-digital-ecosystem
Digital Trends – ecosystem business models are rapidly
evolving
4

5. A SME platform that allows small
businesses to manage their
personal finances and cashflow
combined with invoice financing
Case study – SME invoice financing platform
5

6. SME invoice financing - accelerated delivery through
partnerships
6

7. On-board
Business
Perform KYC
& KYB
Check
affordability
& credit limit
Establish
Loan
Account
Verify
applicant
identity
Drawdown
Loan
Make
Repayments
Service
Requests
company-info-se
rvice
credit-rating-ser
vice
verification-servi
ce
banking-service
affordability-ser
vice
Capture
Invoice(s)
loan-app-serviceaccount-service
On-board
User
doc-service
company-info-ad
apter
credit-rating-ada
pter
banking-adapterID verification
adapter
Global replication with local partners – integration using WSO2
request-service
7

8. SME ecosystem – Halo Pay powered by Barclays (Absa)
8

9. Employment Health Education Household Transport Others…
Marketplace Services
(identity, product catalogue, product comparisons, relationships, recommendations)
Banking Platforms
APIs APIsAPIs APIs
Bank Integration Partner Integration
Partner Platforms
Marketplace Platform - enabling ecosystem business models
9

10. Marketplace Platform – enabling global business models
10

11. APIs
Security & Privacy
Data Model / Customers
Product Catalogue
Recommendations
AppsMarketplaceIntegration
Bank Integration Partner Integration
Bank 1 Bank 2 Business Partners Technology Partners
Use Cases Analytics
Bank Apps Third Party Mobile apps and Web apps
Use case 1 Use case 2 Use case 3 Reporting
Reporting
Analytics
Payments Loans Deposits
Risk KYC AML
Payments Loans Deposits
Risk KYC AML
SMS Push Chat
Social USSD OTP
Insurance Healthcare
Funeral Cover Education
App 1 App 2 App 3 App 1 App 2 ….. …..
Marketplace Platform – framework for rapid product
development
Sales / Acquisition ToolsM. Learning / AI
11

12. Marketplace Platform – powered by WSO2
12

13. Open Banking & Marketplace
Platform
APIs APIsAPIs APIs
halo pay Wala AsoribaBoloro
Banking Platforms
Banking APIs Partner APIs
Partner Platforms
…
Many more…
Asia Africa Europe
Marketplace Platform – implemented in Asia, Africa & Europe
13

14. A corporate employee app with
a digital pay-slip and savings /
investment tips. Connects
employees to a Marketplace of
financial wellbeing services
Case study – Corporate employee PFM
14

15. o Experience with digital strategy & business models
o Proven architecture + platform to support your ecosystem business models
o Proven delivery track record
o Our commitment - We will accelerate your ‘time to market’
101 Digital Value Proposition
15

16. Rana
Perieshttps://www.linkedin.com/in/ranaperies
@RanaPeries
rana@101digital.io

17. A Cashflow management
app for SMEs, that combines
Cashflow management with
other banking & payments
functions
Case study – SME payments & cashflow
17

18. BizLoan, works in conjunction
with the Cashflow app to offer
SMEs unsecured business loans
using alternate credit scores,
during Cashflow shortages
Case study – SME personal loans
18

19. A SME App that connects the SME
and their employees to Banking
and Marketplace services (for
salary payments, pre-paid digital
top-ups and payments)
Case study – SME business management
19