This document provides information about a panel discussion on open APIs that was held at Money 2020 Europe in Copenhagen. It introduces the six panel members: André Bajorat, Christophe Chazot, Shamir Karkal, Alex Mifsud, Simon Redfern, and moderator Shikko Nijland. The panel discussed the results of a survey by Innopay on opinions of European experts related to open APIs and banking. The document also includes brief descriptions of Innopay and the services they provide related to payments, digital identity, and e-business.

1. Tomorrow’s transactions today
Planet of the APIs
Money 2020 Europe Copenhagen
André Bajorat, Alex Mifsud, Christophe Chazot, Simon Redfern, ShamirSharkal, Shikko Nijland (moderator)

2. 2 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
Planet of the APIs panel members

3. 3 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
Planet of the APIs panel members
André Bajorat
CEO
figo GmbH
Christophe Chazot
Group Head of Innovation
HSBC
Shamir Karkal
Head of Open Platform
BBVA
Alex Mifsud
CEO & Co-founder
Ixaris Systems
Simon Redfern
CEO & Founder
Open Bank Project
Shikko Nijland
Managing Partner
Innopay

4. 4 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
Innopay set out a short survey on Open API amongst European experts

5. 5 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
Five statements have been selected by the experts for the panel discussion

6. 6 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
1. Open Banking will be the new normal for customers in 2020
European experts
André
Christophe
Shamir
Simon
Alex
C
D
Panel
C
D
D
Source: Innopay Open API survey 2016 (n=78)

7. 7 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
2.Winner will be the one who owns the customer data and therefore can
control the open business model
European experts
André
Christophe
Shamir
Simon
Alex
DD
DD
D
Panel
D
Source: Innopay Open API survey 2016 (n=78)

8. 8 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
3. Banks will become the new Bigtech
European experts
André
Christophe
Shamir
Simon
Alex
Panel
C
DD
D
D
Source: Innopay Open API survey 2016 (n=78)

9. 9 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
4. Open APIs only have real added value for customers when they can
control their own data and when they control who gets access to it
European experts
André
Christophe
Shamir
Simon
Alex
Panel
C D
C
C
D
Source: Innopay Open API survey 2016 (n=78)

10. 10 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
5. Payment Initiation & Account Information Services (PSD2) are just the start;
General Data Protection Regulation will really open up data inside banks
C
André
Christophe
Shamir
Simon
Alex
European experts Panel
CC
D
D
Source: Innopay Open API survey 2016 (n=78)

11. 11 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
6. Banks should stick to their core competencies (trust and reach) and
buy/acquire the innovation they need
European experts
André
Christophe
Shamir
Simon
Alex
C
CD
Panel
D
D
Source: Innopay Open API survey 2016 (n=78)

12. 12 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
To receive the results of the survey and conclusions of this session, subscribe
to Innsider newsletter
Many thanks to our API panel Subscribe to Innopay Innsider
Or subscribe via: innopay.com/innsider

13. Tomorrow’s transactions today
Short introduction of Innopay

14. 14 Innopay – Innovation experts in Payments, Digital Identity and E-Business. November 2015 © Innopay BV. All rights reserved.
Innovation experts in Payments, Digital Identity and E-Business
• Founded in 2002
• Partners: Shikko Nijland & Douwe Lycklama
• Offices in Amsterdam (HQ) and Frankfurt
• 30 consultants plus International network of
associated experts
• Three core practices: Payments, Digital Identity and
E-Business
• Strategy, co-creation and transformation
• Geographical focus on EU
• Member of a.o. EBA, ECP and EPCA (see picture left)
• Founding member of Holland Fintech
Moscow
Warsaw
Budapest
Milan
Rome
Malta
Frankfurt
Amsterdam
Paris
London
Copenhagen
Source: EPCA (2015)
Zurich
Riga

15. 15 Money 2020 Planet of the APIs - April 2016. © Innopay BV. All rights reserved.
Our service portfolio ensures clients can count on us throughout the whole
digital journey
Innovation Services
Core practices
Strategy
Co-creation
Transformation
Payments Digital
Identity
E-Business Sample clients
• Market and product assessment
• Multi-sided platform design
• Vendor and solution selection
• Co-creation of products and services
• Developing platforms for co-creation
• Building co-creation capabilities
• Content-based project management support
• Opportunity based operating model improvement
• Digital change and migration management

16. Tomorrow’s transactions today
Looking forward to hear from you!
Shikko Nijland
Shikko@innopay.com
+31 6 53 74 14 65