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Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

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Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story

  1. 1. World® ’16 Case Study: Open Banking, APIs and Digital Transformation—the Banco Original Story Guga Stocco, Banco Original David Bressler, CA Technologies DO3X86S DEVOPS
  2. 2. 2 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD © 2016 CA. All rights reserved. All trademarks referenced herein belong to their respective companies. The content provided in this CA World 2016 presentation is intended for informational purposes only and does not form any type of warranty. The information provided by a CA partner and/or CA customer has not been reviewed for accuracy by CA. For Informational Purposes Only Terms of this Presentation
  3. 3. 3 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Abstract Digital transformation is forcing every industry to adapt to emerging technology patterns, with finance and banking at the forefront of change. One way to explore digital transformation patterns is through the lens of customer experience, and how delighting customers can become a north star for successful transformation. In this session, Guga Stocco, head of strategy and innovation at Banco Original, the first and only 100% digital bank in Brazil, and David Bressler, VP, Vertical Markets at CA API Management, share a customer experience playbook for successful digital transformation and the Banco Original story of embracing Open Banking to rethink what it means to be a bank. Guga Stocco Banco Original Head of Strategy and Innovation David Bressler CA Technologies
  4. 4. 4 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Agenda CUSTOMER EXPERIENCE INNOVATION IN FINTECH BANKING STRATEGIES MOBILE, PLATFORM, AGILE 1 2 3 4
  5. 5. 5 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  6. 6. 6 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  7. 7. 7 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Reference Link: Forrester "Does Customer Experience Really Drive Business Success?" Forrester Research, Inc., July 15, 2015
  8. 8. 8 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD This person. This moment. This job.
  9. 9. 9 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD A Great Customer Experience Eliminates Friction
  10. 10. 10 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  11. 11. 11 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  12. 12. 12 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD The Platform Informs the Experience
  13. 13. 13 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD How do we produce MORE, higher QUALITY crafted EXPERIENCES at an increased CADENCE without sacrificing SECURITY? Scale ➟
  14. 14. 14 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Deep Security Identity is key Health history can’t be reset Mobile security models differ from web security models Security as part of the app, in addition to being part of the infrastructure More Software More experiences More target persona More opportunity to engage as a result of having a “computer in your pocket” Crafted with Care The competition are small companies going deep on a single experience Apps are judged very quickly; looks matter What Does This Mean For Market Participants? Everyone is impacted – Providers, Payers, Device Manufacturers, even Large Employers
  15. 15. 15 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD DEVOPS Speed and quality across all stages of application lifecycle Solutions that enable collaboration across both dev and ops End-to-end security covering apps, data and APIs How CA supports your digital transformation Apps APIs BUSINESS INITIATIVE DEV & TEST DEPLOYOPERATE MEASURE PLAN SECURITY Identity management based on analytics delivers a frictionless user experience © 2015 CA. ALL RIGHTS RESERVED. AGILE MANAGEMENT Scalable, enterprise-class SaaS agile platform Most experienced agile coaching and consulting staff in the industry
  16. 16. 16 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD G U G A S T O C C O I N N O V A T I O N
  17. 17. 17 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD FINTECH B U S I N E S S TRANSFORMATION
  18. 18. 18 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD P L A T A F O R M F I N T E C H Building blocks for the future of Finance M O B I L E New way to interact with Financial Services The ability to learn and change fast A G I L E Create Network Effect
  19. 19. 19 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD FINTECH
  20. 20. 20 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD G O R I L A A G A I N S T THE BEES
  21. 21. 21 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD U N I T E D STATES
  22. 22. 22 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD E U R O P E
  23. 23. 23 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD B R A Z I L
  24. 24. 24 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Investor 223 unique investors in Fin Tech in 2010 2 0 1 0 Now, there are 894 Investors see blood 2 0 1 5 YTD Source: http://www.cbinsights.com/business-social-network
  25. 25. 25 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD B A N K I N G S T R A T E G Y S T A R B U C K S
  26. 26. 26 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD B A N K I N G S T R A T E G Y WE CHAT
  27. 27. 27 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  28. 28. 28 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  29. 29. 29 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  30. 30. 30 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  31. 31. 31 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  32. 32. 32 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD MOBILE
  33. 33. 33 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD 1990 2000 2010 2020 PC 100M+ M ob i l e C on s u m e r 10B+ D e s ktop Inte r net 1B+
  34. 34. 34 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD DELETE?
  35. 35. 35 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD B A N K S Bank Centric Mobile ATM Internet Branches Breakage Inflexible Unfair fees Focus = Profit Manager = Sales Capitalization Bonds Cryptocurrency Crowd Funding Open Innovation Digital Payments AI API P2P Startups Fintech Usability Fair fees Frictionless Community Focus = User Manager = Satisfaction BANKING User Centric
  36. 36. 36 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD BANKING IS NECESSARY BANKS ARE NOT! - B I L L G A T E S
  37. 37. 37 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD PLATFORM
  38. 38. 38 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD internet banking mobile banking seamless banking 100% serviços disponíveis no mobile desde lançamento P L A T F O R M This image cannot currently be displayed.
  39. 39. 39 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD 300 years Traditional Banks Friction Internet Banking Service Selection Mobile Banking All Services Seamless Banking Banking everywhere in any device at anytime 20 years 7 years Block Chain 1690 1990 2010 2017 2020 BANKING E V O L U T I O N I N 4 WAVES ...
  40. 40. 40 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  41. 41. 41 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  42. 42. 42 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  43. 43. 43 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD AGILE
  44. 44. 44 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD 20th C E N T U R Y the world is complicated 21th C E N T U R Y the world is complex
  45. 45. 45 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD COMPLICATED COMPLEX > Describe What; dictate How > Focus on details > Coordinate everything centrally > Deliberate tradeoffs > Solution is often reached through a series of algorithms > Describe What but not How > Only key details—the fewer, the better > Limit central coordination to what’s absolutely necessary > Tradeoffs not always foreseeable, and they can shift over time Optimal solution Good enough to learn from and adjust > All the details > Potential side effects > Make sure plan is adhered to > Adjust to make things more efficient > Compliance > Measure results against all desired outcomes > Don’t get attached to any particular course of action > Adjust constantly and learn In planning Goal Focus on During execution
  46. 46. 46 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  47. 47. 47 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD
  48. 48. 48 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Target to Spin at your Maximum Speed! Ideas ProductData Learn Build Measure
  49. 49. 49 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD How to build a minumum viable product How not to build a minumum viable product
  50. 50. 50 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD “Don't tell me the sky's the limit when there are footprints on the moon.” GUGA STOCCO guga@stocco.org
  51. 51. 51 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Questions?
  52. 52. 52 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Must See Demos Protect APIs and Apps with Omnichannel Security CA API Management Theater 3 Orchestrate and Secure APIs & Microservices CA API Management Theater 3 Develop Secure Apps for Banking & Finance CA API Management Theater 3 Deliver Continuously with API Testing CA API Management Theater 3
  53. 53. 53 © 2016 CA. ALL RIGHTS RESERVED.@CAWORLD #CAWORLD Stay connected at communities.ca.com Thank you.
  54. 54. @CAWORLD #CAWORLD © 2016 CA. All RIGHTS RESERVED.54 @CAWORLD #CAWORLD DevOps – API Management and Application Development For more information on DevOps – API Management and Application Development, please visit: http://cainc.to/DL8ozQ

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