Lay of the land and the road ahead

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This presentation is from Apigee's Open Banking & PSD2 Summit in London on 19th May 2016. This presentation sets the scene on the state of the union on PSD2 legislation and the role of APIs within this.

Technology

Lay of the Land and
the Road Ahead
Jeremy Light, Managing Director, Accenture Payment Services
Javier Santamaria, Chair European Payments Council & VP Banco Santander
Paul Rohan, Author “PSD2 in Plain English”
Michael Leppitsch, Digital Transformation Strategist, Apigee

Open Banking/PSD2
Jeremy Light
Accenture Payment Services

3

A
Cambrian
Explosion

Copyright
©
2016
Accenture

All
rights
reserved.

4

APIs
outside
Financial
Services

Copyright
©
2016
Accenture

All
rights
reserved.
Copyright © 2016 Accenture All rights reserved.

5

Citymapper

Copyright
©
2016
Accenture

All
rights
reserved.

6

Citymapper

Copyright
©
2016
Accenture

All
rights
reserved.

APIs

Maps
/
Geoloca,on

Googlemaps

OpenStreetMaps

Apple

Transporta,on

TFL
(London)

MTA
(NY)

Merchant
Info

Foursquare

Yelp

Weather

Met
Oﬃce

Taxis/Car
Sharing

Car2Go

Uber

Hailo

Autolib

+ 29 other cities

7

PayPal

Copyright
©
2016
Accenture

All
rights
reserved.

Source: https://developer.paypal.com
PayPal

Developer
APIs

Payment

Sales

TransacQons

Refunds
AuthorizaQons
Captures

Billing

Plans

Orders
Payouts

5 2 1 4 2 14 5 4

8

API
Value
Chain

Copyright
©
2016
Accenture

All
rights
reserved.

Data,

Func?ons,

Products,

Services

Expose
Systems
Publish
APIs

Embed,

Combine

Produc?on
Consump?on

Service
Providers

Third
Par?es,

Developers

Apps,

Devices

Digital
Business

Models

Value
Crea,on

Value
Ampliﬁca,on

Customer
Connec,vity

9

Open
Banking
API
Consump?on

Copyright
©
2016
Accenture

All
rights
reserved.

Merchant
Apps

Corporate/SME
Portals

Wealth
Management

Personal
Financial
Management

Comparison
Apps

Insurance
Brokers

Estate
Agents

……..

£538.06

Ac?ons

10
Copyright
©
2016
Accenture

All
rights
reserved.

Known
Unknown

Known

Unknown

PSD2

Banking
&
Payments
IT
and

Processes

EBA
RT
Standards

Governance

Liability

New
Business
Models

Merchants

GAFAA

?

AccreditaQon

CMA/OBWG

Security

RedacQon

INTERNAL
-‐
PREPARATION
EXTERNAL
-‐
COLLABORATION

MARKET
FUTURE

11
Panel: Lay of the Land and
the Road Ahead
Jeremy Light
Managing Director,
Accenture Payment Services
Javier Santamaria
Paul Rohan
Michael Leppitsch
Author “PSD2 in Plain
English”
Chair European Payments
Council & VP Banco
Santander
Digital Transformation
Strategy, Apigee

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Lay of the land and the road ahead

1. Lay of the Land and the Road Ahead Jeremy Light, Managing Director, Accenture Payment Services Javier Santamaria, Chair European Payments Council & VP Banco Santander Paul Rohan, Author “PSD2 in Plain English” Michael Leppitsch, Digital Transformation Strategist, Apigee

2. Open Banking/PSD2 Jeremy Light Accenture Payment Services

6. 6 Citymapper Copyright © 2016 Accenture All rights reserved. APIs Maps / Geoloca,on Googlemaps OpenStreetMaps Apple Transporta,on TFL (London) MTA (NY) Merchant Info Foursquare Yelp Weather Met Oﬃce Taxis/Car Sharing Car2Go Uber Hailo Autolib + 29 other cities

7. 7 PayPal Copyright © 2016 Accenture All rights reserved. Source: https://developer.paypal.com PayPal Developer APIs Payment Sales TransacQons Refunds AuthorizaQons Captures Billing Plans Orders Payouts 5 2 1 4 2 14 5 4

8. 8 API Value Chain Copyright © 2016 Accenture All rights reserved. Data, Func?ons, Products, Services Expose Systems Publish APIs Embed, Combine Produc?on Consump?on Service Providers Third Par?es, Developers Apps, Devices Digital Business Models Value Crea,on Value Ampliﬁca,on Customer Connec,vity

9. 9 Open Banking API Consump?on Copyright © 2016 Accenture All rights reserved. Merchant Apps Corporate/SME Portals Wealth Management Personal Financial Management Comparison Apps Insurance Brokers Estate Agents …….. £538.06

10. Ac?ons 10 Copyright © 2016 Accenture All rights reserved. Known Unknown Known Unknown PSD2 Banking & Payments IT and Processes EBA RT Standards Governance Liability New Business Models Merchants GAFAA ? AccreditaQon CMA/OBWG Security RedacQon INTERNAL -‐ PREPARATION EXTERNAL -‐ COLLABORATION MARKET FUTURE

11. 11 Panel: Lay of the Land and the Road Ahead Jeremy Light Managing Director, Accenture Payment Services Javier Santamaria Paul Rohan Michael Leppitsch Author “PSD2 in Plain English” Chair European Payments Council & VP Banco Santander Digital Transformation Strategy, Apigee

12. Thank You

Lay of the land and the road ahead

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