apidays LIVE India 2022: Accelerating India’s digitisation with APIs May 11 & 12, 2022 Architecting the Open Finance technology stack Adi Vora, Co-founder & Chief Product and Technology Officer at Ayoconnect ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

1. Architecting the Open Finance
technology stack
India
API Days
May 2022

2. 2022 SERIES OF EVENTS
New York
JULY
(HYBRID)
Australia
SEPTEMBER
(HYBRID)
Singapore
APRIL
(VIRTUAL)
Helsinki & North
MARCH
(VIRTUAL)
Paris
DECEMBER
(HYBRID)
London
OCTOBER
(HYBRID)
Hong Kong
AUGUST
(VIRTUAL)
JUNE (VIRTUAL)
India
MAY
(VIRTUAL)
APRIL (VIRTUAL)
Dubai & Middle East
JUNE
(VIRTUAL)
Check out our API Conferences
www.apidays.global
Want to talk at one of our conferences?
apidays.typeform.com/to/ILJeAaV8

3. Open Finance API’s & major use-cases
Open a bank account in-app Check out via BNPL service Get a branded debit card
Pay parking and transit in-app Instant insurance quotes Multiple financial accounts in 1 view
Powered by

4. SEA’s largest API platform
Subscription
Payments
Digital
products
Account
opening
Utility payment
Account Statement
& Balance
Phone top-up
Direct Debit
Income
Data

5. Surakarta
Banks Emerging Tech
Financial Institutions Large Tech Local Champions Government
+12 more +103 more
+16 more +12 more +30 more +... more
Our clients are local household names

6. How Open Finance API’s change the digital landscape
Provide tech stack & access
Provide core product infrastructure
Ayoconnect Full Stack Open Finance API’s
Capabilities: Embedded Financials Products, Payments & Open Banking
Banks
Partnering with non-FS becoming a necessity to reach customers
Underserved/unbanked will experience FS the first time through EF
Better customer experience and engagement
• ~2-3 interactions/mth with a bank
• 15-30 interactions/mth with digital ecosystems
Unbanked individuals in SEA, representing 1/3 of
population.
Non-insured individuals even higher.
Underserved SMEs in SEA, representing 2/3 of
total SMEs
Countries’ population
on digital ecosystem
platforms
30-50%
~5-10x
~200Mil
~50Mil
Monetise customer base Volume Stickiness
Economics for non-FS are meaningful
Especially in SEA, where profitability of tech companies is low–
FS is a higher margin product to help them monetize customer base
Fintechs & other
Companies

7. High Level Architecture

8. High Level Network Flow

9. Tech Stack

10. adivora@ayoconnect.id
Thank you
ayoconnect.id/careers