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Head of Financial Solutions, WSO2
Digital Transformation in the Guise of a
Regulation - PSD2 and Open Banking
Seshika Fern...
No One Really Wants To Do Banking
3
4
Go on Vacation
5
Build that Dream Home
6
Educate Children
Banking is the Means to an End
Payment Services Directive 2
EU Directive that applies to
all banks operating in the EU
that regulates payment
services th...
Mandates Banks to
- securely expose
- customer Account and Payment data
- with customer consent
- to regulated third parti...
PSD2 Explained
Bank A
Bank B
Bank C
Now
PSD2 Explained
Bank A
Bank B
Bank C
Merchant
Now
TPP
PISP/AISP
PSD2
Bank A
Bank B
Bank C
Merchant
• Competitive dynamics
• Business model and identity
• Customer relationships
• Revenue
Banks’ Worst Nightmare
Further Com...
‘Consolidated Customer Financials’
Digital Transformation - Market Expansion
Bank A
Bank B
Bank C
Merchant
Consolidated customer
account and payment
info acr...
Digital Transformation - New Revenue Streams
Consolidated customer
account and payment
info across
multiple Banks
Bank A
B...
Becoming a
Part
of Customer
Lifestyles
• Vision: Regulation vs. Business Opportunity
• People: Concern for Compliance & IT vs. All
• Culture: Take nothing for gr...
Technology
WSO2 Open Banking
● API Manager
● API Security + SCA
● API Analytics
● API Monetization
PSD2 Compliance
● API Integration
...
Seamless Journey to Customer’s End Goal
TPP
????
The Many Guises of Digital Transformation
wso2.com
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking
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[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking

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Digital transformation opportunities present themselves in many forms. Changes in customer behavior, the shift in social norms, the rise and collapse of certain industries, regulatory measures could all potentially be a digital transformation opportunity. Banks who viewed PSD2 and Open Banking as an imminent threat are now looking at it as a catalyst for digital transformation. This keynote will explore the role of PSD2 in redefining the financial industry.

Publié dans : Technologie
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[WSO2Con EU 2017] Keynote: Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking

  1. 1. Head of Financial Solutions, WSO2 Digital Transformation in the Guise of a Regulation - PSD2 and Open Banking Seshika Fernando
  2. 2. No One Really Wants To Do Banking
  3. 3. 3
  4. 4. 4 Go on Vacation
  5. 5. 5 Build that Dream Home
  6. 6. 6 Educate Children
  7. 7. Banking is the Means to an End
  8. 8. 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
  9. 9. Mandates Banks to - securely expose - customer Account and Payment data - with customer consent - to regulated third parties - via APIs
  10. 10. PSD2 Explained Bank A Bank B Bank C Now
  11. 11. PSD2 Explained Bank A Bank B Bank C Merchant Now TPP PISP/AISP PSD2 Bank A Bank B Bank C Merchant
  12. 12. • Competitive dynamics • Business model and identity • Customer relationships • Revenue Banks’ Worst Nightmare Further Commoditized
  13. 13. ‘Consolidated Customer Financials’
  14. 14. Digital Transformation - Market Expansion Bank A Bank B Bank C Merchant Consolidated customer account and payment info across multiple Banks TPPTPP
  15. 15. Digital Transformation - New Revenue Streams Consolidated customer account and payment info across multiple Banks Bank A Bank B Bank C Merchant TPP
  16. 16. Becoming a Part of Customer Lifestyles
  17. 17. • Vision: Regulation vs. Business Opportunity • People: Concern for Compliance & IT vs. All • Culture: Take nothing for granted, keep innovating • Technology Recipe for Digital Transformation Ingredients
  18. 18. Technology
  19. 19. WSO2 Open Banking ● API Manager ● API Security + SCA ● API Analytics ● API Monetization PSD2 Compliance ● API Integration ● Fraud Detection ● API Analytics ● Dashboards TPP Provider ● Web/Mobile App Suite ● Insight Sales ● Required Integration Digital Transformation http://wso2.com/solutions/financial/open-banking/
  20. 20. Seamless Journey to Customer’s End Goal TPP ????
  21. 21. The Many Guises of Digital Transformation
  22. 22. wso2.com

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