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WSO2 Open Banking
Digital Transformation through PSD2
Seshika Fernando
Head - Financial Solutions
OPEN TECHNOLOGY FOR AGILE DIGITAL BUSINESS
2
Build internal and
external developer
ecosystems with an
API marketplace.
Man...
Payment Services Directive 2
EU Directive that applies to
all Banks operating in the EU
that regulates payment
services th...
Pain Points
Security cannot
be compromised
especially for
customer data
Lack of clear
guidance on
implementation
Average l...
Open Banking: Changing the way we transact
Banks expose their customer payment and account data, with customer consent, to...
Compliance Requirements
● API Specification
○ API Definitions
○ Secured API invocation
○ API Usage Monitoring
● Strong Cus...
● API Specification
○ API Definitions
○ Secured API invocation
○ API Usage Monitoring - Per Business unit, per PISP, per c...
Process Flow
Credits to Dinosoft Labs from Noun Project
Checkout
Item
Login Page
2 Factor Authentication
Customer Consent
...
Demo
Open Banking: The opportunities
Bank A
Bank B
Bank C
Merchant Bank A
Consolidated
customer account and
payment info across...
Step 1
Comply
Expose data securely
Step 2
Reclaim Loyalty
Become TPP
Step 3
Digitally Transform
Offer services beyond bank...
WSO2 Open Banking
● API Manager
● API Security + SCA
● API Analytics
● API Monetization
PSD2 Compliance
● API Integration
...
Other Financial Solutions
● Fraud Detection
● Real-time Risk Management
● Stock Market Surveillance
Thank You!
WSO2 Open Banking: Digital Transformation Through PSD2
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WSO2 Open Banking: Digital Transformation Through PSD2

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If you are a financial institution in Europe, you would be in one of three places when it comes to PSD2: ready to take PSD2 by the horns, making some progress with compliance but still trying to understand the big picture, or unsure of where to start.

The good news is that it doesn’t matter where you’re at. WSO2 Open Banking offers a solution that addresses all compliance requirements. It doesn’t stop there. It can open up your business to broader revenue generation opportunities through PSD2 in the context of digital transformation.

Join Seshika Fernando, head of financial solutions at WSO2 as she explores

The role of PSD2 in redefining banking as we know it.
The core capabilities of WSO2 Open Banking including the WSO2 API Management platform that enables opening APIs in a secure and controlled manner.
How WSO2 Open Banking can support your technology infrastructure for capabilities beyond banking.
A demonstration of the solution - https://wso2.com/solutions/financial/open-banking/

Publié dans : Technologie
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WSO2 Open Banking: Digital Transformation Through PSD2

  1. 1. WSO2 Open Banking Digital Transformation through PSD2 Seshika Fernando Head - Financial Solutions
  2. 2. OPEN TECHNOLOGY FOR AGILE DIGITAL BUSINESS 2 Build internal and external developer ecosystems with an API marketplace. Manage identity, security, and privacy across your digital business. Make mobile and IoT devices integral to your digital business. Create real-time, intelligent, actionable business insights and data products. Platform enable your digital business with “micro-services” and “micro-integrations”.
  3. 3. Payment Services Directive 2 EU Directive that applies to all Banks operating in the EU that regulates payment services throughout the EU, with a compliance deadline of January 2018
  4. 4. Pain Points Security cannot be compromised especially for customer data Lack of clear guidance on implementation Average length of IT projects is more than time left to comply
  5. 5. Open Banking: Changing the way we transact Banks expose their customer payment and account data, with customer consent, to Third party Payment Providers (TPPs) via APIs. TPP PISP/AISP Bank A Bank B Bank C Merchant Now PSD2 Bank A Bank B Bank C Merchant
  6. 6. Compliance Requirements ● API Specification ○ API Definitions ○ Secured API invocation ○ API Usage Monitoring ● Strong Customer Authentication ○ 2 Factor Authentication (SMSOTP, FIDO, Duo, MePin) ○ Adaptive Authentication ○ Consent Management ● Incident Reporting ○ Security Incident Reporting [Transactions affected,server downtime,Economic Impact,Reputational Impact] ○ Finding an Incident - Anomaly Detection
  7. 7. ● API Specification ○ API Definitions ○ Secured API invocation ○ API Usage Monitoring - Per Business unit, per PISP, per customer group Compliance Requirements - 13th Jan 2018 ● API Specification ○ API Definitions ○ Secured API invocation ○ API Usage Monitoring ● API Manager ● API Security + SCA ● API Analytics ● API Monetization WSO2 Open Banking
  8. 8. Process Flow Credits to Dinosoft Labs from Noun Project Checkout Item Login Page 2 Factor Authentication Customer Consent Initiation payment info 1 2 3 4 PISP 302 5 Token 6 Payment Complete 7 Settlement
  9. 9. Demo
  10. 10. Open Banking: The opportunities Bank A Bank B Bank C Merchant Bank A Consolidated customer account and payment info across multiple Banks TPPTPP
  11. 11. Step 1 Comply Expose data securely Step 2 Reclaim Loyalty Become TPP Step 3 Digitally Transform Offer services beyond banking 2019 20202018 Plan beyond 2018
  12. 12. WSO2 Open Banking ● API Manager ● API Security + SCA ● API Analytics ● API Monetization PSD2 Compliance ● API Integration ● Federated Authentication ● Fraud Detection ● API Analytics ● Dashboards TPP Provider ● Web/Mobile App Suite ● Insight Sales ● Required Integration Digital Transformation
  13. 13. Other Financial Solutions ● Fraud Detection ● Real-time Risk Management ● Stock Market Surveillance
  14. 14. Thank You!

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