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Presentation title / 1
BBVA open banking experience
May 2019
01
02
The beginnings
BBVA footprint
03 BBVA API_Market
04 BaaS in the US
05 Learned lessons
01The beginnings
Talking about our first datathons “Innova
Challenge” (in 2013 & 2014) ...
… or talking about Simple’s
acquisition and the subsequent
migration from Bancorp core-
banking to BBVA Compass’ APIs
We could start ...
02BBVA footprint
Presentation title / 6
SPAIN
Customers
Accounts
Cards
Payments
Loans
Notifications
Alipay
Business Account
Business Notifications
PayStats
SEL
USA
Identity
Accounts
Cards
Move money
MEXICO
Accounts
Loans Auto
Locations
BBVA offers several API products across the world that could be consumed by third parties
● BBVA API_Market
● BBVA Open Platform in US for BaaS
TURKEY
Accounts
Payments
Funds
Why open banking?
Better digital solutions
Faster Time to Market
Beyond
PSD2
03BBVA API_Market
● Dashboard
● CRUD Apps
● API statistics calls
● Technical documentation
● Integrated console
“Your API and documentation was
the best one that we used so far.
Congratulations for you and your
team for that.”
Our customers say...
Web Portal
BBVA customer introduces his online
banking user and password in the
BBVA Connect process
The customer enables a,b,c
permissions to the third party,
always in the security
environment of BBVA
eCommerce
Tech Stack
t
CI & DEPLOY
DEV
OTHER
PROJECT MANAGEMENT
LOGS &
MONITORING
DB
FRONT
APIs Architecture
tt Armadillo/Rhino
PayStats Data
BUSINESS INTELLIGENCE
ETL
RabbitMQ
Amazon
S3
MONITORING
CloudWatch ElasticSearch
Other providers
Kibana
MySQL
MICROSERVICES
(Retail, Business, Sel
Notifications…)
(routing, filters,
metrics...)
Core banking
BBVA
Notifications
Amazon NLB
Continuous Delivery
t
Idea, Design Code Build & Test QA, Integrate DeployIdea, Design Build & TestCode
Integration,
QA
Deploy
04BaaS in the US
t
❏ An authentic white label experience for third parties
❏ The third party has control of the user experience
❏ Open Platform allows and facilitates the integration
❏ Of white label payments and complementary banking services
❏ In existing user interfaces and backend processes
What is Banking-as-a-Service?
t
Our Story
We are entering the third phase of our evolution -- establish a leadership position
20172016 2018 2019
● VISA Partnership
t
Our Services
Open Platform Portal
Open Platform Tech Stack
t
CI & DEPLOY
DEV
OTHER
PROJECT MANAGEMENT
LOGS &
MONITORING
DB
FRONT
CloudWatch Athena
CodeBuild CodePipeline CloudFormation
Open Platform APIs Architecture
t
Armadillo
Amazon
S3
MONITORING
CloudWatch
Lambdas
GRAPI &
Core banking
API GatewayWAF
Open Platform
Web Portal
KMS Parameter Store
Kinesis
Firehorse
Athena
Continuous Deployments
t Idea, Diseño Build & TestCódigo Entorno Dev Deploy Pre, sbx, Pro
CodeBuild CodePipelineGithub CloudFormation
05Learned lessons
Lambdas warmups
Faster deployments
DevOps philosophy
Presentation title / 25
GOVERNANCE (BUSINESS)
GOVERNANCE (IT)
P
L
A
T
F
O
R
M
Load Balancing
HA Tolerance, Scaling
Provisioning
Service Discovery
Security
Health
Monitoring
Logging
Platform Requirements
● Security
● Performance
● Compliance
● Cost optimization
● Business requirements
Global Strategy
Thank you!
David Ramos Lehnhoff
david.ramos.lehnhoff@bbvaop3n.com
DavidRamosLeh
api.market.support@bbva.com
bbvaapimarket.com
bbvaopenplatfom.com

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APIdays Zurich 2019 - The experience of BBVA API Market David Ramos Lehnhoff, BBVA

  • 1. Presentation title / 1 BBVA open banking experience May 2019
  • 2. 01 02 The beginnings BBVA footprint 03 BBVA API_Market 04 BaaS in the US 05 Learned lessons
  • 4. Talking about our first datathons “Innova Challenge” (in 2013 & 2014) ... … or talking about Simple’s acquisition and the subsequent migration from Bancorp core- banking to BBVA Compass’ APIs We could start ...
  • 6. Presentation title / 6 SPAIN Customers Accounts Cards Payments Loans Notifications Alipay Business Account Business Notifications PayStats SEL USA Identity Accounts Cards Move money MEXICO Accounts Loans Auto Locations BBVA offers several API products across the world that could be consumed by third parties ● BBVA API_Market ● BBVA Open Platform in US for BaaS TURKEY Accounts Payments Funds
  • 7. Why open banking? Better digital solutions Faster Time to Market
  • 10. ● Dashboard ● CRUD Apps ● API statistics calls ● Technical documentation ● Integrated console “Your API and documentation was the best one that we used so far. Congratulations for you and your team for that.” Our customers say... Web Portal
  • 11. BBVA customer introduces his online banking user and password in the BBVA Connect process The customer enables a,b,c permissions to the third party, always in the security environment of BBVA eCommerce
  • 12. Tech Stack t CI & DEPLOY DEV OTHER PROJECT MANAGEMENT LOGS & MONITORING DB FRONT
  • 13. APIs Architecture tt Armadillo/Rhino PayStats Data BUSINESS INTELLIGENCE ETL RabbitMQ Amazon S3 MONITORING CloudWatch ElasticSearch Other providers Kibana MySQL MICROSERVICES (Retail, Business, Sel Notifications…) (routing, filters, metrics...) Core banking BBVA Notifications Amazon NLB
  • 14. Continuous Delivery t Idea, Design Code Build & Test QA, Integrate DeployIdea, Design Build & TestCode Integration, QA Deploy
  • 16. t ❏ An authentic white label experience for third parties ❏ The third party has control of the user experience ❏ Open Platform allows and facilitates the integration ❏ Of white label payments and complementary banking services ❏ In existing user interfaces and backend processes What is Banking-as-a-Service?
  • 17. t Our Story We are entering the third phase of our evolution -- establish a leadership position 20172016 2018 2019 ● VISA Partnership
  • 20. Open Platform Tech Stack t CI & DEPLOY DEV OTHER PROJECT MANAGEMENT LOGS & MONITORING DB FRONT CloudWatch Athena CodeBuild CodePipeline CloudFormation
  • 21. Open Platform APIs Architecture t Armadillo Amazon S3 MONITORING CloudWatch Lambdas GRAPI & Core banking API GatewayWAF Open Platform Web Portal KMS Parameter Store Kinesis Firehorse Athena
  • 22. Continuous Deployments t Idea, Diseño Build & TestCódigo Entorno Dev Deploy Pre, sbx, Pro CodeBuild CodePipelineGithub CloudFormation
  • 25. Presentation title / 25 GOVERNANCE (BUSINESS) GOVERNANCE (IT) P L A T F O R M Load Balancing HA Tolerance, Scaling Provisioning Service Discovery Security Health Monitoring Logging Platform Requirements
  • 26. ● Security ● Performance ● Compliance ● Cost optimization ● Business requirements
  • 28. Thank you! David Ramos Lehnhoff david.ramos.lehnhoff@bbvaop3n.com DavidRamosLeh api.market.support@bbva.com bbvaapimarket.com bbvaopenplatfom.com