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Picture by Kuster & Wildhaber Photography, flickr
THE OPEN DATA MOVEMENT IN FINTECH:
THE BIGGEST CHANGE IN CONSUMER BANKING...
@LarsMarkull
2
› Banking Service Provider “figo” (www.figo.io)
› Responsible for FinTechs and Developer on
our API
› Backgro...
Banking in the past
Online banking users Banks
Bank 1
Bank 2
Bank n
Bank BBank A
Customers
Products
Making change happen:
PSD2 by European Union
Third party
services
Bankin
g apps
Financ
e
Payme
nt
Risk

mgmt.
Third 

Party
Provider
AIS
PIS
DCS
DCS
DCS
PSD2: Access t...
What does that mean?
#Innovators
010010101001010100101010010101010101010100100101010010101001010
0010010101000101010101010010101010010100100101010010101001...
What does that mean?
#Banks
Bank BBank A
Customers
Products
Displaced,
diminished &
disintermediated
Proof
of
conce
ptStep 1 Step 2 Step 3 Step 4
Account
aggregati
on
Open
API
Banking
App
Store
Curated developers, 

partner services and 

bank own services
Bankin
g apps
Financ
e tool
Paymen
t
Risk

mgmt.
Service
On...
Lars Markull
E-Mail:
Mobile:
lm@figo.io
+49 151 50 580 510
Address
figo GmbH
Burchardstr. 21
20095 Hamburg
Web
www.figo.io
@fi...
"The Open Data Movement in FinTech: The Biggest Change in Consumer Banking?", Lars Markull, Head of Business Development a...
"The Open Data Movement in FinTech: The Biggest Change in Consumer Banking?", Lars Markull, Head of Business Development a...
"The Open Data Movement in FinTech: The Biggest Change in Consumer Banking?", Lars Markull, Head of Business Development a...
"The Open Data Movement in FinTech: The Biggest Change in Consumer Banking?", Lars Markull, Head of Business Development a...
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"The Open Data Movement in FinTech: The Biggest Change in Consumer Banking?", Lars Markull, Head of Business Development at Figo

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"The open data movement in FinTech: The biggest change in consumer banking", Lars Markull, Head of Business Development at Figo

YouTube Link: https://www.youtube.com/watch?v=RslYJuk9xt4

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About the author:
Lars Markull is Head of Business Development at figo. figo is offering a banking API which enables every developer to implement financial features into its own service. Lars is actively involved in the FinTech space and is a strong supporter of APIs in the financial industry.

Published in: Data & Analytics
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"The Open Data Movement in FinTech: The Biggest Change in Consumer Banking?", Lars Markull, Head of Business Development at Figo

  1. 1. Picture by Kuster & Wildhaber Photography, flickr THE OPEN DATA MOVEMENT IN FINTECH: THE BIGGEST CHANGE IN CONSUMER BANKING? November 2015 Berlin Data Natives
  2. 2. @LarsMarkull 2 › Banking Service Provider “figo” (www.figo.io) › Responsible for FinTechs and Developer on our API › Background: Traditional banking and in #FinTech since 2012
  3. 3. Banking in the past
  4. 4. Online banking users Banks Bank 1 Bank 2 Bank n
  5. 5. Bank BBank A Customers Products
  6. 6. Making change happen: PSD2 by European Union
  7. 7. Third party services Bankin g apps Financ e Payme nt Risk
 mgmt. Third 
 Party Provider AIS PIS DCS DCS DCS PSD2: Access to bank accounts Bank 1 Bank 2 Bank n ASPSP ASPSP ASPSP Online banking users Banks
  8. 8. What does that mean? #Innovators
  9. 9. 010010101001010100101010010101010101010100100101010010101001010 001001010100010101010101001010101001010010010101001010100101010 Jane Doe User
 identification Investing services B2B
 tools Account switching tools Comparis on Account
 aggregati v Payment services € Financial
 forecast Algo
  10. 10. What does that mean? #Banks
  11. 11. Bank BBank A Customers Products
  12. 12. Displaced, diminished & disintermediated
  13. 13. Proof of conce ptStep 1 Step 2 Step 3 Step 4 Account aggregati on Open API Banking App Store
  14. 14. Curated developers, 
 partner services and 
 bank own services Bankin g apps Financ e tool Paymen t Risk
 mgmt. Service Online banking users Bank Bank branded Banking App Store Open API Service Service Bank 
 system
  15. 15. Lars Markull E-Mail: Mobile: lm@figo.io +49 151 50 580 510 Address figo GmbH Burchardstr. 21 20095 Hamburg Web www.figo.io @figoAPI Let’s change the way we bank today together!

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