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Lessons from using APIs
to transform a niche
FinTech into a retail brand
Presenter: Ian Pender
October 2022
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.a pida ys .globa l
Want to talk at one of our conferences?
apidays.typeform.com/to/ILJeAaV8
2
Flagstone
 The UK’s leading cash deposit platform
 Provides access to:
– Hundreds of accounts
– Exclusive and market-leading interest rates
– Up to 50 banking partners.
3
Ian Pender
 Lead Principal Engineer at Flagstone
 I have been
– An architect at Huddle
– Consultant with a variety of technical
roles and industries
4
eSynergy
 eSynergy is a technology consultancy that accelerates business value for its clients.
 Working with enterprises and scale-ups in highly regulated industries, eSynergy build scalable platforms,
products, and services.
 Practices include Platforms & Cloud, Data, and Business & Tech Agility
5
01
I. Low confidence in IT
delivery
Historic issues with delivery
02
II. Lack of public APIs
Internal automation only
03
III. Monolithic system
Slow release cadence and high team
coupling
A niche Fintech with
common challenges
6
A serendipitous
opportunity
 A hard-to-sell plan to build again
 And then an opportunity arose
 Lesson 1 : The right idea sometimes needs to
right time
7
A pioneering API is
built
 December trials, January live
 A new business channel
 Lesson 2 – Some ridiculous targets are worth
stretching for
8
Transformation of the
company
Confidence in IT and new opportunities started
broader changes within the company…
 Tribes, and later squads more aligned
 Apps attached, more segments migrated
 Productisation of APIs
 Lesson 3 – a company can be transformed when
relationships change and trust rebuilt
9
Increasing automation
and integration
New opportunities and greater alignment allowed
greater efficiencies:
 AISP / PISP licenses (dormant) used
 Compliance
 Internal systems
 Lesson 4 – increasing the use of APIs greatly
improved margins, automation and engagement
10
Bank integration
 HSBC API
 Accurately and unique funding options
 Technology - delivering clear client benefit
11
Future
 Partner integration via API
 Deepening supply-side APIs
 Partner banks?
 Events
 Lesson 5 – without increasing integration on the
supply-side – there’s a limit to automation
12
Close
 Fintechs without external APIs are losing
opportunity, and falling behind
 Holistic change - tech and business
transformation together
 Change is limited without full vertical automation
13
Questions ?

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apidays London 2022 - Lessons from using APIs to transform a niche FinTech into a retail brand, Ian Pender, Flagstone

  • 1. Lessons from using APIs to transform a niche FinTech into a retail brand Presenter: Ian Pender October 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.a pida ys .globa l Want to talk at one of our conferences? apidays.typeform.com/to/ILJeAaV8
  • 3. 2 Flagstone  The UK’s leading cash deposit platform  Provides access to: – Hundreds of accounts – Exclusive and market-leading interest rates – Up to 50 banking partners.
  • 4. 3 Ian Pender  Lead Principal Engineer at Flagstone  I have been – An architect at Huddle – Consultant with a variety of technical roles and industries
  • 5. 4 eSynergy  eSynergy is a technology consultancy that accelerates business value for its clients.  Working with enterprises and scale-ups in highly regulated industries, eSynergy build scalable platforms, products, and services.  Practices include Platforms & Cloud, Data, and Business & Tech Agility
  • 6. 5 01 I. Low confidence in IT delivery Historic issues with delivery 02 II. Lack of public APIs Internal automation only 03 III. Monolithic system Slow release cadence and high team coupling A niche Fintech with common challenges
  • 7. 6 A serendipitous opportunity  A hard-to-sell plan to build again  And then an opportunity arose  Lesson 1 : The right idea sometimes needs to right time
  • 8. 7 A pioneering API is built  December trials, January live  A new business channel  Lesson 2 – Some ridiculous targets are worth stretching for
  • 9. 8 Transformation of the company Confidence in IT and new opportunities started broader changes within the company…  Tribes, and later squads more aligned  Apps attached, more segments migrated  Productisation of APIs  Lesson 3 – a company can be transformed when relationships change and trust rebuilt
  • 10. 9 Increasing automation and integration New opportunities and greater alignment allowed greater efficiencies:  AISP / PISP licenses (dormant) used  Compliance  Internal systems  Lesson 4 – increasing the use of APIs greatly improved margins, automation and engagement
  • 11. 10 Bank integration  HSBC API  Accurately and unique funding options  Technology - delivering clear client benefit
  • 12. 11 Future  Partner integration via API  Deepening supply-side APIs  Partner banks?  Events  Lesson 5 – without increasing integration on the supply-side – there’s a limit to automation
  • 13. 12 Close  Fintechs without external APIs are losing opportunity, and falling behind  Holistic change - tech and business transformation together  Change is limited without full vertical automation