Open Banking API for Payments - DSP2 Transforming Payments in an assembly game Presentation at Trustech - November 2017

1. Jean-François Delorme
Partner Paiements, DXC Technology
Open Banking API for Payments
Transforming Payments
in an assembly game

2. 2
The World of Yesterday
The classic French Garden style

3. End
users
relationships
Channels
Payment
factories
Bank
The World of Yesterday
An exclusive relationship

4. The World of Yesterday
An exclusive relationship

5. End
users
relationships
Channels
Payment
factories
BANK
The new payment landscape
A fragmented world

6. End
users
relationships
Channels
Payment
factories
3 major causes of fragmentation
in the payments value chain
BANK
Regulations
Technology
Usage
Mobility and immediacy
Seamlessuser experience
Customercentric
KYC / GDPR
Strong authentication
PSD2 – Open Banking
Open BankingAPI
Robotic Process Automation

7. Is The World of Yesterday
falling apart ?

8. November26, 2017
Changes in the payment
framework create a new
playing field
Enabling :
• New hybrid offerings
• New business models
• Strategies and positionings
Transforming Payments
in an assembly game

9. End
users
relationships
Channels
Payment
factories
PSU
PIISP AISP PISPBANK
Traditional
stakeholders
New PSD2
stakeholders
DSP1 stakeholders with
new PSD2 status
Stakeholders…
Payment Service User
Account Information
Service Provider
Payment Initiation
Service Provider
Payment Instrument
Issuers Service
Provider
Third Party Provider
TPP
BANK
ASPSP
Account Servicing
Payment Service
Provider

10. End
users
relationships
Channels
Payment
factories
PSU
PIISP AISP PISP
PSD2Framework…
Payment Service User
Account Information
Service Provider
Payment Initiation
Service Provider
BANK
ASPSP Payment Instrument
Issuers Service
Provider

11. End
users
relationships
Channels
Payment
factories
PSU
API
Interfaces &
technical standards…
BANKB
PIISP AISP PISP
RTSPayment Instrument
Issuers Service
Provider
Account Information
Service Provider
Payment Initiation
Service Provider
BANK
ASPSP
Payment Service User

12. End
users
relationships
Channels
Payment
factories
PSU
PIISP AISP PISP
Payment Service User
Account Information
Service Provider
Payment Initiation
Service Provider
BANK
ASPSP
Existing and efficient
interbank infrastructures…
CSM / Instant Payment
Payment Instrument
Issuers Service
Provider

13. End
users
relationships
Channels
Payment
factories
PSU
PIISP AISP PISP
Payment Service User
Account Information
Service Provider
Payment Initiation
Service Provider
BANK
ASPSP
CSM / Instant Payment
Payment Instrument
Issuers Service
Provider
A new playing field
enabling new
hybrid offerings
Newsagents
Financiere des
Paiement
Electroniques

14. End
users
relationships
Channels
Payment
factories
PSU
PIISP AISP PISP
Payment Service User
Account Information
Service Provider
Payment Initiation
Service Provider
BANK
ASPSP
CSM / Instant Payment
Payment Instrument
Issuers Service
Provider
My
Saving
Account
Program
Manager
A new playing field
enabling new
hybrid offerings
Program
Manager

15. November26, 2017
Changes in the payment
framework create a new
playing field
Enabling :
• New hybrid offerings
• New business models
• Strategies and positionings
Transforming Payments
in an assembly game
API
API

16. What does a sandbox bring
for PSD2 Open Banking ?
Understand and
experiment business
models and technologies,
in application of PSD2 and
Open Banking
Create an agile
collaboration environment,
for development of
offerings and partnerships
with the ecosystem
Contribute to awareness of
digital transformation,
internally and externally
with third parties
Build expertise and
knowledge
Business models
and technology
Agile
environment Awareness Expertise and
knowledge

17. Open Banking Accelerator sandbox
Secure
Customer
Authentication
(DXC
ConfidentID)
Use'Pay
Transaction &
Payment APIs
(AISP / PISP)
Mobile
Banking App
for Payment
Authorisation
Online
Retailer
PFM Service
(AISP / PISP)
Third Party
Bank (Hogan)
Transaction &
Payment APIs
(PSP)
PKI Certificate
Management
Risk Systems
(CA)
Developer
Portal (CA)
API Creator
(CA)
API Management (CA)

18. Use Case

19. 1,00€
10,00
Customer Centric
Use Case
pay-per-use
service offered
by Use'Pay

20. Replace
Connected
Machine
pay-per-use
service
Aggregation &
initiation
Add a new
bank
Finalize
payment
Customer journey to make an online purchase
of a pay-per-use washing machine service

21. Redirection to the Use'Pay web service
Payment confirmation
Stakeholders
& streams
Pay-per-use service
Aggregation &
initiation
CLIENT BANKS
Order a washing machine (and its
consumables) on the online store and
chose the Pay-per-use service
CLIENT
1
2
3
10
4
PSU
ASPSPAccounts
aggregation
Strong
authentication5
6
8
9 7

22. Demo

23. November26, 2017
Changes in the payment
framework create a new
playing field
Enabling :
• New hybrid offerings
• New business models
• Strategies and positionings
Transforming Payments
in an assembly game
API
API